To clarify, there are emerging deals.
For example, Klarna announced that they will be joining with Apple Pay. When I talk about considering “direct” or “indirect”, whether or not it's directly that you click Klarna or another Afterpay.... I know for myself that when booking the flight to come here, I saw Uplift, which was a new feature that I never noticed before. It was to pay in four installments, except that this wasn't four installments of my bill divided by four. It was grossed-up and then a bill to be paid.