Unlike traditional credit cards, BNPL has no hidden fees or credit limits. With the Pay in 4 option, there is no interest or fees. Additionally, this payment method does not impact your credit score. The Monthly Payment option can have an impact on your credit score, but does not have any hidden fees and does not affect the credit limit associated with your credit card. Customers who are trying to make large purchases, often seen in the event industry, may struggle with credit limits, withdrawal limits, and banking restrictions. The BNPL system solves this pain point for consumers and allows them to have the event of their dreams without having the money upfront.