Introducing Buy now, pay later in Microsoft Edge

[mehua]

“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 3^rd 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!

[#2]

How much slower will be checkout process with edge checking some unneccesary API? It's not supported in my country and it will only slow me down. At least let me disable it in settings

[#3]

Please mention in detail what is this $4 platform fee. And how will you earn from it?

[#4]

I totally agree with you. If this feature goes live, microsoft edge will again become a legacy browser filled with bloat that nobody asked for.

[#5]

Pull the plug on this feature immediately. This is the slimiest thing I can possibly think of. I'd rather a browser inject more fake ads into a website I'm viewing before predatory lending schemes get added to my browser. I'm not even the target audience to fall for these, but that doesn't mean I don't think it's absolutely disgusting.

[#6]

@mehua If the team has so much time to spare in these unwanted features, why don't you improve the performance of edge.

• Flyouts of bookmarks, favourites, history, downloads, view site information are very slow. They compose themselves in 20 seconds while extensions is a champ.
• The GPU process has started consuming lots of RAM.
• Settings page hangs everytime for 30 seconds I try to open it.
• edge://gpu page hangs for 15 seconds when I open it. And these edge://gpu and settings page both freeze the browser. Why don't you maintain a separate process for them?
• Math solver is a bloat. We aren't kids.
• Alerts and tips is also a bloat.
• Print preview is very slow. Try to improve its performance.
• Search on pdf's is very slow. See how well the google drive app on android searches. Have a look on it.
• Give me the ability in the browser to deep suspend all background tabs. By deep suspend, I mean they shouln't be wokeup and but should remain in ram. Be it video playing tab or any tab for that purpose. or Atleast provide this functionality in the sleeping tabs.
• Web Capture doesn't look professional at all and is very slow. Give it the ability to save file anywhere with any name. With auto clipboard copy option in settings.

I have mentioned so many ideas and you are from the team, you must be knowing a lot more problems.

Work on these, why waste time in providing bloat.

[#7]

@mehua Also make the force block all ads in developer settings perpetual. We won't need any adblockers. 

[#8]

@mehua Also give the option to darken and un-darken any page without actually restarting the browser. You have this provided as a setting in developer settings, but not to regular users.

Provide this as a moon or sun option in the toolbar or tab bar.

[#9]

I can't find the setting to turn this off and it clutters the payment methods I have stored. I know I never want to use this - how do I remove it from the display?

[#10]

Thanks for adding this. So much better than a credit card and so easy. I'm not sure why everyone thinks it is bloatware or expensive, as an extension i could not tell the difference. And I don't pay fees because I pay the minimum balance each month, unlike any other credit card

[#11]

How do I turn this feature off? The first time I see it will be the last time I use edge.

[#12]

I love it. Amazing feature. I don't know why everyone is upset. If you don't want to use it you don't need to. Also, it will allow me to get more Christmas presents for my Family at any store I want. Awesome!!!

[#13]

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

[#14]

Nobody wants this baked into the browser, least of all regulators. Microsoft seems to be going backwards with this and the ridiculous controversy over default browser settings in W11. I like Edge and would recommend it, but Microsoft is just looking desperate here.

[#15]

Why not use debit cards that's like the default in europe.

[#16]

@mehua This all feels extremely unnecessary for a browsing experience. I don't want it. I don't even want the shopping and discovery features y'all have pushed out. These kinds of things should be separated into extensions. I am way more interested in a lightning fast browser that uses minimal resources while being secure. Edge on Mac is getting heavier and heavier.

Please stop turning all these things on by default, or at least give us an option for a "Core" experience that is basic browsing features plus the security enhancements. As it stands right now, I spend about 5-6 minutes making sure that all the extra crap is disabled whenever I set up Edge on a new computer or move between channels.

[#17]

@Jp12345 The fact that it's is in the browser code means that even if I'm not using it adds to the size of the browser and slows down viewing web pages. They already have a mechanism called extensions which allow people to optionally add things like this. Most people want a browser that loads and displays web pages as fast as possible and doesn't consume all of the memory on their machine. 

[#18]

Why do you put this in the browser? It's bloat, unnecessary, and downright a terrible, awful idea. Continue like this, and Edge will turn into a Christmas Tree with too many ornaments. What next? A built in VPN where you harvest user habits and sell them to the highest bidder?

[#19]

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.

[#20]

@kabforks 

I think the next feature they are going to add will be Payday Loans in Edge, because why not.

[#21]

You're starting to overdo these third-party integrations and services. This is just sleazy, Edge is on the verge of feeling dirty to use. Edge is not just any random browser, it's the (increasingly hard to change) default of the most important desktop OS in the world. That comes not just with benefits, but with responsibilities towards your users as well. This isn't the way. Don't ruin a great browser by taking these unnecessary cash grabs too far. Stop it before Edge becomes known for being adware trash.