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  ARM Give a man a fire and he's warm for a day, but set fire to him and he's warm for the rest of his life (Terry Pratchett, Jingo)

Microsoft adds Buy Now, Pay Later financing option to Edge – and everyone hates it

(2021/11/30)


As the festive season approaches, Microsoft has decided to add [1]"Buy Now, Pay Later" financing options to its Edge browser in the US.

The feature turned up in recent weeks, first in beta and canary before it was made available "by default" to all users of Microsoft Edge version 96.

The Buy Now Pay Later (BNPL) option pops up at the browser level (rather than on checkout at an ecommerce site) and permits users to split any purchase between $35 and $1,000 made via Edge into four instalments spread over six weeks.

[2]

The system is powered by Zip, previously Quadpay, and offers a Chrome extension for users who want to split their payments (interest-free if you make the payments on time, although Zip [3]charges $1 per instalment ).

[4]

[5]

Microsoft has now bundled the platform into Edge.

Feedback could charitably be described as negative so far, as demonstrated by the tags assigned to the post on Microsoft's Tech Community site.

[6]

Click to enlarge

Comments (numbering 119 at time of writing) posted by visitors to the site can be pretty much summed up [7]thusly :

This [is] a cheap and disgusting move from Microsoft and edge team to the browser users. You should be ashamed for pushing such crap to users. Listening to the users checkout flows, suggesting third party services. Bloating the browser. Seriously, be better and more responsible.

Despite a few positive reactions, the overwhelming response was negative.

Which is a shame. The Chromium-based Edge is actually a rather good browser. The Internet Explorer compatibility mode gives enterprises a path out, and the lack of Google was appealing to many.

[8]

But the shine was taken off somewhat by the inclusion of BNPL.

It’s deeply shocking this is built into the base Windows OS on billions of devices.

I feel like I should start a GoFundMe for Microsoft, or teach them how to beg bounty, as clearly they need the money. [9]https://t.co/TtZXAcZsGf — Kevin Beaumont (@GossiTheDog) [10]November 30, 2021

We asked Microsoft to comment on the reaction and if BNPL would be rolled out globally. While it has yet to respond, its social media orifice did post the below overnight.

Welcome back. We’re sorry. — Microsoft (@Microsoft) [11]November 29, 2021

So are we, Microsoft. So are we. ®

Get our [12]Tech Resources



[1] https://techcommunity.microsoft.com/t5/articles/introducing-buy-now-pay-later-in-microsoft-edge/m-p/2967030

[2] https://pubads.g.doubleclick.net/gampad/jump?co=1&iu=/6978/reg_software/applications&sz=300x50%7C300x100%7C300x250%7C300x251%7C300x252%7C300x600%7C300x601&tile=2&c=2YaatGTuJrnHAd6bNpkvAygAAANQ&t=ct%3Dns%26unitnum%3D2%26raptor%3Dcondor%26pos%3Dtop%26test%3D0

[3] https://zip.co/us/how-it-works

[4] https://pubads.g.doubleclick.net/gampad/jump?co=1&iu=/6978/reg_software/applications&sz=300x50%7C300x100%7C300x250%7C300x251%7C300x252%7C300x600%7C300x601&tile=4&c=44YaatGTuJrnHAd6bNpkvAygAAANQ&t=ct%3Dns%26unitnum%3D4%26raptor%3Dfalcon%26pos%3Dmid%26test%3D0

[5] https://pubads.g.doubleclick.net/gampad/jump?co=1&iu=/6978/reg_software/applications&sz=300x50%7C300x100%7C300x250%7C300x251%7C300x252%7C300x600%7C300x601&tile=3&c=33YaatGTuJrnHAd6bNpkvAygAAANQ&t=ct%3Dns%26unitnum%3D3%26raptor%3Deagle%26pos%3Dmid%26test%3D0

[6] https://regmedia.co.uk/2021/11/30/bnpl.jpg

[7] https://techcommunity.microsoft.com/t5/articles/introducing-buy-now-pay-later-in-microsoft-edge/m-p/3012228/highlight/true#M6140

[8] https://pubads.g.doubleclick.net/gampad/jump?co=1&iu=/6978/reg_software/applications&sz=300x50%7C300x100%7C300x250%7C300x251%7C300x252%7C300x600%7C300x601&tile=4&c=44YaatGTuJrnHAd6bNpkvAygAAANQ&t=ct%3Dns%26unitnum%3D4%26raptor%3Dfalcon%26pos%3Dmid%26test%3D0

[9] https://t.co/TtZXAcZsGf

[10] https://twitter.com/GossiTheDog/status/1465614249171075076?ref_src=twsrc%5Etfw

[11] https://twitter.com/Microsoft/status/1465373240453443586?ref_src=twsrc%5Etfw

[12] https://whitepapers.theregister.com/



What next?

druck

Clippy does payday loans?

Re: What next?

fidodogbreath

"It looks like you're trying to buy something you can't afford. I can help!"

XP Era

Anonymous Coward

I remember the XP era when this kind of scammy pop-up was a 3rd party addon everyone wanted to remove. I thought it was bad enough when I spotted that Edge addon for Sales Offers. But getting in to buy now, pay later deals is bottom scraping in an extreme!

Kill it now

doublelayer

This is going to annoy anyone using Edge. If they wanted to erode the set of users still using that browser, this is an effective way to do it. I also can't imagine why they thought this was a good idea. A lot of sites already bother people about these useless payment systems, so they're already facing a lot of competition.

Re: Kill it now

b0llchit

I also can't imagine why they thought this was a good idea.

It is called kickbacks. Corruption, we used to call it in the old days.

Re: Kill it now

Pascal Monett

You mean, the 10 users using Edge ?

Re: Kill it now

b0llchit

Better, there are 101 (2) .

Binraider

Why is any of this a surprise? Their entire business model is built upon monetisation, at any moral expense, of its service provisions. None of this is unknown. MS morality has been as such since day one.

Perhaps the weirdest part of all is that from a pure capitalist stance, what they do isn't a problem. From an abuse of monopoly stance it is of course another matter entirely.

Things won't change until consumer and business customers tell them where to go. So, as the average el reg reader are those that can, please for the love of computing, do so.

re abuse of monopoly

Pseu Donyme

That's what it looks like. With the history (and likely future) of that sort thing in mind it seems to me that the EU would do well to take an active role in creating alternatives: a relative pittance of public money to prop up existing alternate platforms (most importantly Linux + AOSP) and applications (office and browser, at least) would go a long way, especially combined with a stipulation that public funds may only be spent on compatible hardware and software*.

The key idea would be to force the existence of actual alternatives, not necessarily forcing their use on the public sector (although, see **); importantly, the alternatives would be available to business and private use as well. If need be complaints of state aid could be dismissed on national security grounds**.

* say, only PCs capable of running Linux, only phones and tablets with manufacturer supported AOSP as an option; the AOSP part would need supporting services as well, most importantly an alternate app store; desktop and server software would have to available for Linux (i.e. not only Windows or other proprietary OS), apps for AOSP (as well as iOS or Android)

** with straight face, even, as this would provide for strategic independence, the lack of which is currently a problem; the potential for snooping might also a be consideration (or at least this is what the US government would seem to insist us to believe when a provider is under the thumb of a foreign power (with Huawei at least))

Anonymous Coward

I'm actually laughing. I still remember what Microsoft did in the past. Consumers and users get what they deserve -- so gullible, with a short memory and easy to attract with just a bit of convenience, gimmick features and some marginal "performance" gain.

I've never run Edge and never will*.

* Fingers crossed that the employer will not force it down our throats.

the lack of Google was appealing to many

Smirnov

And yet, when it comes to privacy, Edge is even worse than Chrome:

https://www.scss.tcd.ie/Doug.Leith/pubs/browser_privacy.pdf

On top of that, Chrome (as bad as it is) at least never tried to upsell to me as Edge does ("Shopping with Microsoft", really?), and the fact that this stuff even exists in the corporate version of Edge is even worse.

Quality software from the market leader.

Doctor Syntax

The frightening thing is that while the likes of Reg users hate it in practice it'll probably be used a lot. Still, it's good to be reminded why I baled out of using Windows a long time ago.

It’s deeply shocking this is built into the base Windows OS

Howard Sway

If you're shocked by this, you can't have been paying all that much attention over the past 25 years.

I suspect that this integration of loan-shark services into the browser is a precursor to broadening out the practice to include payment for "only available as paid cloud service" functionality, followed by the OS itself. A nice way to bilk as many pennies as possible out of poorer people's pockets, under the standard guise of "making it affordable to everyone".

cornetman

Given the number of people that get into serious financial problems with debt, pushing credit to people through a web browser is pretty disgusting.

I assume that the browser somehow knows when the user is underaged of course. Doesn't it?

Worst! browser! bundling! since! "Pocket"!!!

bombastic bob

someone had to say it. Punctuated "Bangs!" added for emphasis (and humor)

Bangs?

Woodnag

This is El Reg, old chap. Not Slashdot. They're called exclamation marks.

Charlie Clark

The Internet Explorer compatibility mode gives enterprises a path out

Count me out. IE still unavoidably has serious security issues and MS hasn't learnt that putting this stuff into the browser is asking for trouble. No doubt people are already working on how to redirect any payments…

John Carter

Instead of Edge, maybe they should call it RimJob?

Your fly might be open (but don't check it just now).