Buy Now Pay Later Alert

Buy Now Pay Later (BNPL) is a form of credit payment that allows you to split transactions into smaller, interest-free installments and repay them over time. Typically, it requires a down payment of 25%, and the remaining three are due in two-week intervals. BNPL is commonly referred to as a “Pay in 4”, “Split pay”, and “Buy Now Pay Later”. Most BNPL lenders provide this payment option without running a hard credit check on you.

A BNPL account, once created for you, may reflect on your credit report. BNPL lenders also provide longer-term loans, which may include interest toward monthly payments. BNPL lenders can offer loan terms as high as 72 months. Due to legal requirements, loan rates, terms, and amounts differ in some US states. You can be charged late fees, overdraft fees, or interest on unpaid balances depending on the charges/fees structured by BNPL lenders.

Why did you receive this Alert?

We monitor the transactions on your linked financial accounts and alert you if a payment is made to any of the BNPL lenders below. These are some of the significant BNPL lenders we monitor in your transactions:

United States

Affirm
Afterpay
Klarna
Pay In 4 (by PayPal)
PayBright (acquired by Affirm)
Zip (formerly Quadpay)
Sezzle
Splitit
Sunbit

Canada

Affirm
Afterpay
PayBright (acquired by Affirm)
Klarna
Zip (formerly QuadPay)
Sezzle
Splitit

If you do not recognize this payment

This might be a fraudulent transaction, and you should take action as outlined below:

If you did not make the transaction, contact the BNPL lender to report the fraud. (Links provided below).
Inform your financial institution/bank and file a chargeback dispute.
File a police report and retain a copy of your case as proof.
Reach out to our member services department at 1-800-LifeLock(543-3562) if you are not able to resolve this issue with the BNPL lender or financial institution/bank.

If you believe that you may be a victim of a Stolen Identity Event or an unauthorized funds transfer and your plan includes the Million Dollar Protection Package, please review the Evidence of Coverage at www.nortonlifelock.com/legal to determine whether you may be entitled to reimbursement for certain expenses.

BNPL Lender support pages

United States

Affirm/PayBright: https://helpcenter.affirm.com/s/article/report-unauthorized-activity
Afterpay: https://help.afterpay.com/hc/en-us/articles/900003088646-I-think-my-account-has-been-hacked
Klarna: https://www.klarna.com/us/customer-service/how-can-i-report-a-fraud-attempt/
PayPal: https://www.paypal.com/us/security/report-fraud
QuadPay/Zip: https://help.us.zip.co/hc/en-us/articles/360032261751-I-ve-received-a-transaction-on-my-account-that-I-have-not-authorized-
Sezzle: https://shopper-help.sezzle.com/hc/en-us/articles/360046235932-I-don-t-recognize-an-order-on-my-account-
Splitit: https://www.splitit.com/legals/platform-agreement/usa-legal-terms/
Sunbit: https://sunbit.com/contact-us/

Canada

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