Data Sources & Verification
This calculator uses publicly available fee schedules published directly by each BNPL provider. Fee structures are verified manually against official sources. Because fee terms change—sometimes without notice—a scheduled GitHub Actions job runs twice a year to check that each provider's fee page still resolves and to flag any provider whose data has gone stale. The job opens an issue; a person then re-reads the provider's terms and updates the data.
Provider Sources
| Provider | Data used | Source | Last verified |
|---|---|---|---|
| Affirm | Interest APR 0–36%, no late fees | Official fee page ↗ Credit reporting ↗ Credit reporting ↗ | 2026-09-21 |
| Klarna | Interest APR 0–35.99%, late fee (up to $7), late fees capped at 25% of the order | Official fee page ↗ Credit reporting ↗ | 2026-09-21 |
| Afterpay | Interest APR 0–36%, late fee (up to $8), some plans publish no late-fee amount, late fees capped at 25% of the order | Official fee page ↗ | 2026-09-21 |
| PayPal Pay Later | Interest APR 0–35.99%, no late fees | Official fee page ↗ | 2026-09-21 |
| Zip (formerly Quadpay) | Interest APR 0% (no interest), order / origination fee (varies by order; entered by you), late fee (up to $7) | Official fee page ↗ Credit reporting ↗ | 2026-09-21 |
| Generic / Other | User-supplied — no official source | — | — |
Calculation methodology
For a full explanation of how APR is calculated from BNPL installment schedules—including the TILA actuarial method—see the methodology page.
Update policy
A GitHub Actions workflow runs on April 1 and October 1 each year. It requests each
provider's official fee page, flags any URL that no longer resolves, and flags any provider
whose data has not been manually verified in over 6 months. The workflow only detects drift —
it opens an issue, and the owner then visits each flagged source and updates
providers.json accordingly.
Last full review: 2026-09-21. Next scheduled check: 2026-10-01.
Corrections
If you notice a fee structure that doesn't match a provider's current published terms, email vetorainfo@gmail.com with the provider, the figure, and a link to the official page. Corrections are checked against the provider's own terms before the data changes. Fee structures shown reflect the most recently verified data.