And the majority of us who use zip pay or afterpay  (and I'm sorry if u don't but then u are the minority or have you not seen the growth in the market place of afterpay and zippay and their worth now?) use those platform for those items we could pay off in instalments that we would rather pay that way then in full. Example I don't normally pay $400 for sheets but the retailer got a much higher sake from me because they offered afterpay. The discount I garnered buying all my sheets for the household at once made it worth the while or me to use afterpay. Shock horror! Commerce in action!  Another example, the gamesman got a huge sale off me through zippay for Christmas last yr over Target, Kmart, EB games why? I could bundle the whole lot of what I wanted adding a big deal and could afford it through zippay. What did I buy for Christmas off eBay? The cheap stuff. The stuff that I had no other choice because I couldn't find better elsewhere.

are u losing sales? Yeah u are. Not an eBay retailer just a Mother with four kids and take it to the bank the majority of families are like mine. Afford better and bigger for your kids through places like zippay and afterpay, definitely will win hands down at the times when dollars really count.

My thousand dollar purchase last year at Christmas proves that and from the many, many mothers groups I am part of we are the norm.

sad for eBay retailers though.