Buy Now, Pay Later (BNPL) has a unique appeal helping fuel its massive growth. However, this growth comes with some troubling side effects for merchants.

As we recently wrote, the growing regulatory scrutiny around the BNPL industry is a positive development for merchants, who have seen their relationships with their customers erode when a BNPL provider harvests their shopper data.

Data harvesting is more than just a privacy or security issue. These apps drive a wedge between merchants and their customers, negatively impacting loyalty and the overall customer lifetime value (LTV) of the relationship.

When we announced our new Installments-as-a-Service platform in May, we knew it would drastically improve merchant performance. Now early results are proving just how much. OCM brand, the first merchant to implement the white-label installments option, has seen total sales increase by 41% and volume of orders increase by 54% compared to the previous version of Splitit the company used for the past two years.

Want to know which BNPL service to choose? Read our take on the differences between Splitit and Sezzle.

Want to know which BNPL service to choose? Read our take on the differences between Splitit and Klarna.

The recent news regarding the CFPB’s plans to regulate BNPL lenders similar to credit card companies will have a sweeping impact on the industry. While we will have to wait and see the long-term impact and what the enforcement will look like, this is a significant step in the right direction to protect consumers and merchants alike.

There are many ways to add BNPL to your transactional flow. Our white-label offering means we can integrate it as a seamless part of your brand.

Take a look at four key ways that BNPL is impacting buyer behavior, from the discovery stage to the final point of conversion.

Calling all luxury fashion retailers. BNPL is for you and here’s how you do it.

Legacy BNPL’s are beginning to clutter checkout sections. Splitit offers merchants the ability to hold the power through the white label solution.

From one-off big-ticket items to lifestyle brands, BNPL helps people budget for large purchases. Attract new customers and see better results when using BNPL to fund big-ticket items.