As far as I know , Australian retailers that use Afterpay , pay a percentage to them to be able to use it.

If Ebay isn't charging us  ( Sellers )  , then they must be paying them direct to use it.

I suspect a payment recoup by stealth in the case of increase fees somewhere for sellers coming up soon.

You dont get something  for nothing you know.

Besides if people all payed on time and they couldnt charge any interest they would make no money at all , so what is the point of being in business ?

Also note that the Afterpay shares crashed on the stockmarket by 40% a couple of weeks ago on fears of mass unemployment.