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It charge a belated payment to have skipped costs and you may an undisclosed service fee if you are using a single-time digital card during the a store you to definitely doesn’t partner having Klarna. Affirm offers a variety of BNPL plans to select, and a wages-in-five package and payment per month plans. Using an excellent debit cards is fast and you can smoother, enabling you to complete you buy instead of additional charges.