Nov 15 2021 11:42 AM - last edited on Dec 10 2021 04:36 PM by MissyQ
“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.
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.
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!
Nov 16 2021 07:19 PM - edited Nov 16 2021 07:20 PM
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.
Nov 16 2021 07:44 PM
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.
Nov 16 2021 08:28 PM
Nov 17 2021 07:00 AM
Nov 17 2021 07:25 AM
Nov 17 2021 08:50 AM
@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.
Nov 17 2021 10:03 AM
Nov 17 2021 12:57 PM
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.
Nov 17 2021 01:00 PM
Nov 17 2021 01:06 PM
@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.
Nov 17 2021 01:25 PM
Nov 17 2021 01:51 PM
Nov 17 2021 02:20 PM
@jordanspringer The original poster's comments were removed because responses to those violated our community guidelines: https://techcommunity.microsoft.com/t5/articles/microsoft-edge-insiders-community-guidelines/m-p/221....
Nov 17 2021 03:51 PM
Nov 17 2021 06:31 PM
@mehua This will be considered as a very cheap strategy to earn money. Whoever wants to shop can always go for it the other way either through extension or through website. What's the benefit of integrating it in the browser. Already edge has lot's of crap services like shopping add-on, collection service which always keeps running. These consume a lot many resources aren't useful for many people. I don't use collections at all. For me this service shouldn't run but this always runs like a monster self-awakened every minute or so.
I would love to see them as on-demand service. Looks like introducing so many services would want to you make a separate services.msc console for microsoft edge.