Do you know what is buy- now-pay-later ? Pay later services are similar to credit card. They offer interest-free credit for a specific number of days, but the repayment is directly linked to your savings bank account for direct debit. Pay later service is mostly offered by e-commerce services like Amazon, Flipkart, Swiggy, Bigbasket, etc.
https://www.creditmantri.com/article-what-is-a-pay-later-service-can-a-pay-later-purchase-impact-my-credit-score/
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