Microsoft is introducing a new feature in Edge allowing customers to pay for e-commerce transactions in instalments – and not everybody is happy.
The ‘buy now, pay later’ (BNPL) feature is, controversially, integrated at the browser level, thanks to a partnership with third-party payments provider Zip, formerly QuadPay.
The option is similar to those already offered by many e-commerce sites and web payment providers such as PayPal.
It allows any purchase between $35 and $1,000 made through Microsoft Edge to be split into four payments over a six-week period.
The option appears at the point of checkout as an alternative to a credit or debit card number. Linking a Microsoft account to a Zip account will apparently make the purchase process quicker.
While the service is being promoted as ‘interest-free’, some were quick to point out that all transactions are subject to a “$4 flat fee”.
‘Please, please stop’
The new buy now, pay later feature is currently available in Microsoft Edge Canary and Dev channels and, says Microsoft, will be available by default to all users in Microsoft Edge release 96, expected later this month.
The company is currently asking for feedback – but what it’s getting is far from positive.
“Please, please stop bloating the browser with these revenue grabs. It’s like you’re recapitulating the worst IE browser extensions from the 90s/00s and installing them by default,” one user said.
Some complain that it slows performance down, while one calls it a “predatory lending scheme”. Several suggest that the feature will damage Microsoft’s reputation.
‘Too intrusive’
Adam Fowler, a Microsoft Most Valued Professional (MVP), tells The Daily Swig that he, too, is uncomfortable about the buy now, pay later scheme.
“Microsoft Edge is the browser that now comes with your Windows PC, and the gateway to the world wide web. Should that product, when detecting that you’re buying something and seeing a credit card field, suggest that you could use another financial service to spread the payments?” he asks.
“Surely the browser should stay agnostic to what you do and how you do it, instead of promoting certain services to take a cut. It’s worse than having a default homepage mixed with news and adverts, because it’s more intrusive and triggered when performing a certain contextual action.”
Fowler agrees that the inclusion of the feature damages trust.
“For a business, Edge should be the browser that ties into your full Microsoft identity, securely saving what you do through profile settings and favourites in the browser, but suggesting financial services is not a trustworthy action,” he says.
“Where do you draw the line in advertising and promoting third-party services if Microsoft go ahead with this? There is a difference between using a search engine promoting ads based on keywords, versus the browser inserting extra ads on top of those ads. The browser shouldn’t change what you’re seeing on a web page for financial gain.”
Microsoft has not responded to repeated requests for comment. Given the widespread condemnation of the feature, it may be reconsidering a full rollout – its deal with Zip permitting.
Check out the Microsoft Edge Insider blog post for further details on the BNPL scheme.
