Pay later charges are widely variable, depending on whether it's a master card or an amex. It makes things harder to predict. Credit cards come with these pesky consumer protections that put businesses on the hook if customers complain. If you've ever asked your credit card company for a refund because the thing you bought turned out to be junk, that's what she's talking about. That can be a big payn for businesses. The biggest reason that businesses are signing up for by now, pay later, is that it's helping em sell more stuff. For example, by bringing in a new pool of customers.