Buy Now Pay Later Alert
Buy Now Pay Later (BNPL) is a form of credit payment that allows you to split transactions into smaller, interest-free installments and repay them over time. Typically, it requires a down payment of 25%, and the remaining three are due in two-week intervals. BNPL is commonly referred to as a “Pay in 4”, “Split pay”, and “Buy Now Pay Later”. Most BNPL lenders provide this payment option without running a hard credit check on you.A BNPL account, once created for you, may reflect on your credit report. BNPL lenders also provide longer-term loans, which may include interest toward monthly payments. BNPL lenders can offer loan terms as high as 72 months. Due to legal requirements, loan rates, terms, and amounts differ in some US states. You can be charged late fees, overdraft fees, or interest on unpaid balances depending on the charges/fees structured by BNPL lenders.
Why did you receive this Alert?
We monitor the transactions on your linked financial accounts and alert you if a payment is made to any of the BNPL lenders below. These are some of the significant BNPL lenders we monitor in your transactions:
United States
United States
- Affirm
- Afterpay
- Klarna
- Pay In 4 (by PayPal)
- PayBright (acquired by Affirm)
- Zip (formerly Quadpay)
- Sezzle
- Splitit
- Sunbit
- Affirm
- Afterpay
- PayBright (acquired by Affirm)
- Klarna
- Zip (formerly QuadPay)
- Sezzle
- Splitit
If you do not recognize this payment
This might be a fraudulent transaction, and you should take action as outlined below:
- If you did not make the transaction, contact the BNPL lender to report the fraud. (Links provided below).
- Inform your financial institution/bank and file a chargeback dispute.
- File a police report and retain a copy of your case as proof.
- Reach out to our member services department at 1-800-LifeLock(543-3562) if you are not able to resolve this issue with the BNPL lender or financial institution/bank.
BNPL Lender support pages
United States
- Affirm/PayBright: https://helpcenter.affirm.com/s/article/report-unauthorized-activity
- Afterpay: https://help.afterpay.com/hc/en-us/articles/900003088646-I-think-my-account-has-been-hacked
- Klarna: https://www.klarna.com/us/customer-service/how-can-i-report-a-fraud-attempt/
- PayPal: https://www.paypal.com/us/security/report-fraud
- QuadPay/Zip: https://help.us.zip.co/hc/en-us/articles/360032261751-I-ve-received-a-transaction-on-my-account-that-I-have-not-authorized-
- Sezzle: https://shopper-help.sezzle.com/hc/en-us/articles/360046235932-I-don-t-recognize-an-order-on-my-account-
- Splitit: https://www.splitit.com/legals/platform-agreement/usa-legal-terms/
- Sunbit: https://sunbit.com/contact-us/
- Affirm/PayBright: https://helpcenter.affirm.ca/s/article/report-unauthorized-activity-ca?language=en_US
- Afterpay: https://help.afterpay.com/hc/en-ca/articles/900003088646-I-think-my-account-has-been-hacked-
- Klarna: https://www.klarna.com/ca/customer-service/how-can-i-report-a-fraud-attempt/
- QuadPay/Zip: https://help.ca.zip.co/hc/en-ca/requests/new
- Sezzle: https://shopper-help.sezzle.com/hc/en-us/articles/360046235932-I-don-t-recognize-an-order-on-my-account-
- Splitit: https://www.splitit.com/legals/splitit-shopper-terms-conditions/canada/
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DOCID: v20230517201217886
Operating System: Android;Mac;Windows;iOS;Windows 10 in S Mode
Last modified: 06/10/2024
Operating System: Android;Mac;Windows;iOS;Windows 10 in S Mode
Last modified: 06/10/2024