The third competitor is Sezzle, the first mover of the buy-now-pay-later business in the US market. Sezzle now has 226,000 active users and almost 3,000 merchants' partners. The late fee of Sezzle is 18 percent of income but Afterpay is 20 percent (The Australian, 2019). Even though there are no government restricted regulations on online customers purchases now, but still Sezzle sets its own strict rules (Ross, 2019). Sezzle is also considering to check personal credit scores when reviewing applications. This way may help company in solving the payback problems. On the other hand, Afterpay is simple and easy to apply, almost no rules, such as the age should older than eight years old