BNPL Provider #1: Buy now, pay later with no late fees or surprises.

BNPL Provider #2: Financial wellness is a tap away.

BNPL Provider #3: The smooothest & safest way to get what you want today, and pay over time.

BNPL Provider #4: Financially empowering the next generation.

BNPL Provider #5: Buy anything, anywhere in 4 payments.

Catchy, right? The other 79 million+ Buy Now Pay Later users would have to agree with you.

Buy Now Pay Later, commonly referred to as BNPL, is objectively a good, relatively financially responsible way to get what you want now without doling out crap tons of money to get it right now. (The pay-in-four model has been widely adopted by BNPL providers, allowing consumers to split purchases into four equal installments to be paid every other week with only 25% due at checkout.)

That’s why it’s exploded in popularity over the past couple of years. Before COVID-19, BNPL was known and used by relatively few. But when shopping from the comfort, safety, and convenience of your own home became the new norm, so did BNPL.

To be exact, the dollar amount spent through BNPL loans (commonly referred to as Gross Merchandise Volume, or GMV) increased by 1,092 percent from 2019–2021, according to a recent report by the Consumer Financial Protection Bureau. That’s an increase of about $22.2 billion. 🤯

Many BNPL providers touted services with no fees, no interest, and no credit score damage. Compared to their credit card counterparts, BNPL took the cake.

For consumers, it became easier and easier to pay with BNPL where you wanted, when you wanted, with relatively little financial consequences. Or so you thought.

These days, if you’re anything like the average consumer, you’re juggling dozens of BNPL payments from different providers, for different amounts, on different schedules, out of different accounts, with different terms and conditions, and different fee schedules.

Hyperventilating yet? Breathe. 🧘🏼‍♀️We’ve got this.

Introducing Cushion BNPL Connect

BNPL Connect is one small (yet crucial) component of Cushion Bill Pay.

Let’s be honest: We buy things with BNPL because we can. We deal with the endless providers, endless installment amounts, endless payment dates, and endless terms and conditions because we have to.

Hear me out — what if you didn’t have to anymore? What if managing your BNPL was, dare we say, easy?

With Cushion’s BNPL Connect, all of your BNPL payments — including Afterpay, Klarna, Affirm, Sezzle, Zip, and more — are brought under one roof. Easy.

Track everything in one place

Just paying your bills is stressful enough. Add on managing them? I’d rather trip up the Grammy stairs while accepting an award from Harry Styles.

No more remembering individual logins, what you owe and to whom, or keeping track of when installments are scheduled to come out of your account.

Affirm, Afterpay, Klarna, PayPal, Sezzle, Zip, all of them — they’re side-by-side with BNPL Connect.

Avoid fees and penalties

Cushion has spent the past four years refunding millions of dollars worth of fees on our customers’ behalf. We know a thing or two about fees.

What do you say we get rid of them? 😏

By consolidating all of your BNPL payments in one place, you can see what’s due and when in case you need to move some money around.

Or, you know, in case you need to pause a payment. WHAT? 👀WHO SAID THAT?

Pause payments

WE DID! 🙋🏼‍♀️ Afraid your next installment will overdraft your account? Pause your payment from your BNPL Connect page with your Cushion Card.

Yes, you may need to make arrangements to settle up in the future, but this will buy you some time.

We don’t stop at giving you more visibility into your BNPL payments — we give you full control.

See your future

Some call it “financial forecasting.” We call it magic. ✨

Actually we call it a calendar view where you can see ahead, what you’re spending, and to whom so you can structure your next budget accordingly.

Sounds simple, but tell that to the Excel budgeting spreadsheet that I haven’t touched since 2018.

In Conclusion

BNPL Connect is built to give you full visibility and control of your Buy Now Pay Later loans.

  • Track everything in one place
  • Avoid fees and penalties
  • Pause your payments
  • See your future

And BNPL Connect is just the tip of the iceberg with Cushion Bill Pay.

Last Updated on September 11, 2023