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is more technologically driven, perhaps more nuanced. Talk to us about what you do differently versus, you know, a credit card company or a bank or someone like that. Sure. And you're pulling in a thread that's gonna take a long time to unwind. I'll
we were there for them when they needed us, and if they ever stumbled, our best customers are the ones that email us or call us and say, hey, I was late to pay my bill. Something happened. What's the late fee? And we tell them there isn't one. That's
where they're requiring auto payments, which most of the companies are, those late fees are less likely to be incurred. Sure. But I think the the sort of relevant thing is to understand how much people are paying overall in excess fees and interest f
And then if you look at the next sort of wave was with the rise of ecommerce and the explosion of ecommerce, big businesses were built in order to allow payments to be accepted and facilitated online. Right? And so that we had things like PayPal, thi
When you get a year free of something, in order to get the year free, I think you have to put your credit card in and you get billed in month thirteen kind of thing. I don't know exactly how they do it. But when you do that, you can then count paid s
is the ability to use people's data to drive those purchases. So I think if you're a merchant looking at those big fees, if you're a Walmart or Amazon or whoever, you're not just saying, like, let me put this in Klarna or Affirm's hands to hope that
If you come in and you're 50 employees and you wanna sign up in one week, like, I've got a little bit more room to make that happen. If you're, you know, if you're 50 employees and you wanna evaluate for three months, then, like, it might be a differ
make very good returns on the acquisition spend, why do you not take advantage of it? Right? If you have, like, a four or five x, you can do it, then you just scale it up. But you want to see some component of the product, whether it's an actual feat
Running a business means dealing with a lot of overly complicated software, and most CRMs tend to follow the same pattern. They're packed with endless features you'll never use, interfaces that feel clunky, and teams end up spending way too much time
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