Merchants get the money upfront. Consumers get to buy now pay...

Merchants get the money upfront. Consumers get to buy now pay later. That's afterpay's product, in return for a 4% gross commission

I dont see SPT's merchants getting the money upfront. as SPT has no...drumroll...money/finance, so theres no..drumroll..marketable product and certainly no merchants!

could you name a single material merchant win, since SPT's inception years ago?

APT's merchant wins are plain to see.