Forum Discussion
MicrosoftIntroducing Buy now, pay later in Microsoft Edge
“Buy now, pay later,” or BNPL, lets shoppers break their purchases into equal installment payments, often interest-free, which can allow shoppers to get their purchase upfront, instead of having to wait until it’s paid in full.
Usually, BNPL is offered in specific ecommerce websites like Target, Walmart. But now, Microsoft partners with 3rd party Zip (previously Quadpay) to offer a BNPL payment option at browser level. It means any purchase between $35 - $1,000 you make through Microsoft Edge can be split into 4 installments over 6 weeks.
On top of coverage, we also aim to 1) meet you where you are. 2) simplify the application process.
Meet you where you are:
When you are in checkout page, you can find BNPL option right when you enter credit card number
For some shoppers, you can also find BNPL option right when you enter checkout page.
Simplify application process:
Applying BNPL could take time, you need to sign in with zip every single time. With BNPL in Edge, you can simply link your Microsoft account with your zip account with one click and then bypass sign in from Zip side. It can expedite the application process for you.
BNPL is currently available in Microsoft Edge Canary and Dev channels and will be available by default to all users in Microsoft Edge release 96. If you experience any issue while using this feature, please let us know through Microsoft Edge by pressing Shift+Alt+I on a Windows device or going to Settings and more … > Help and feedback > Send feedback.
You can read more on the FAQ support article. Please also join us here on the Microsoft Edge Insider forums or Twitter to discuss your experience or send us your feedback through the browser! We hope you enjoy this exciting new feature and look forward to hearing from you!
This sounds like an awful idea that will only be seen as a shameless cashgrab are/or bloat by media outlets. I beg you reconsider pushing this to live. The negative press this feature is going to receive isn't worth it.
- So you just want people to use credit cards that cause a cycle of debt. With Zip this won't happen. I'm really happy with this feature
- Why not use debit cards that's like the default in europe.
- Absolutely nonsense. If you can't afford stuff, you need to wait until you can and plan accordingly. There's too much easy credit which leads to increasing debt and often ends with people being charged increasing interest rates. This has nothing to do with providing a useful service, and just about profiteering from vulnerable consumers.
- couldn’t agree more
I made an account just to respond.
Please, please stop bloating the browser with these revenue grabs. It's like you're recapitulating the worst IE browser extensions from the 90s/00s and installing them by default. If this continues I'll have to stop recommending Edge anymore, and I've been an Edge supporter for a while.
- This. I've loved Edge since version 1, but when you keep adding all this stuff, I just might happen to return to Chrome again.
Pushing people to buy more than they can afford (i.e. extend risky credit) is not good for consumers nor the health of our economy. Thanks to the vultures on Microsoft's Edge Product Management team, there's yet another excellent reason to www.GetFirefox.com.
- There are lots of ways to offer this. With a browser extension. BUT NOT DEFAULT IN MY BROWSER. I can't ignore the annoying coupons offering. I have to go and tell it to turn off.
- We are not looking for this in a browser.
- No people, just no! Stop this nonsense of bloating the browser.
Instead, why not make an extension and promote BNPL that way? When baked into the browser BNPL isn't a service, it is a disservice. - Please make this an optional add-on and not default. Microsoft is going to get a lot of bad press if this goes live.
Looks like you neglected to mention the $4 flat fee in the article?
On a $35 purchase, that's 11% of the purchase cost spread over one month. Annualized, that's an astounding 250% APY. Even the most predatory credit cards top out at around 40% APY.
All you've done is just baked predatory loans into your browser. Honestly, you should be ashamed.
- Yup, mehua (the original poster from Microsoft) responded in here earlier saying there was no cash grab here, and was trying to defend the initial negative comments, then she deleted all of her comments!
jordanspringer To be fair, I'd suspect she isn't responsible for the business side of things, just given the job of making the feature happen. The revenue stream is probably at the corporate level. I don't know where in the chain the decision to make this feature happen arose from, but they should be the ones taking the heat.
mehua Also made an account just to reply. I love the new Edge and I've been using it since it came out. Seriously, don't support this. No one needs this. BNPL is just an enabler for people who have a problem. No one should finance online purchases that small. This kind of functionality should definitely, 100%, not be in any browser ever. Please don't add to the debt problems people already have.
- 100%. Between actions like this from the Edge team and the recent active forcing of users into Edge as the default browser, I am starting to get the yuck old Microsoft feels. And this is coming from someone who has generally appreciated the Microsoft of the past several years and have enjoyed Windows 10 and 11, and am a regular Edge user! If this makes it to standard production builds I'll likely have to start switching to something else and encourage others to do the same. Keep Edge fast and clean with OPTIONAL additions available. This is a very bad look for the company, and it needs to stop.
- This should be an extension at best. It is not a feature I'm looking for in any browser. Microsoft is a multi-billion dollar company. I doubt whatever Zip is paying you is worth the negative press this will generate.
- This is a terrible bloatware baked directly into to browser.
- This is not a feature that should be native in any browser. It's unwanted bloat and an obvious cash grab. Please reconsider and offer this as an extension if it needs to exist at all.
