A confluence of factors in our COVID economy have come together to make Buy Now, Pay Later (BNPL) installment options attractive for consumers. Merchants, of course, are drawn to anything that resonates with shoppers and has the potential to provide a competitive advantage and corresponding sales lift. The challenge for merchants lies in selecting the right BNPL partner that fits well with their products, technology, and shopper demographic while implementing BNPL in a way that drives new sales rather than simply increasing the cost of sales.