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You can now buy now pay later through Mastercard with bundll


bundll lets you shop online and in-store anywhere Mastercard is accepted and then repay later.

Another buy now pay later (BNPL) provider has launched in Australia, with bundll allowing consumers to use the service to shop anywhere Mastercard is accepted. Launched this week by Flexigroup, which already has BNPL provider Humm in the market, the service is aimed at smaller everyday transactions "normally reserved for debit card spending".

"We know that our millennial customers prefer debit to credit, like to budget and don't want to pay interest," said Rebecca James, flexigroup's chief executive officer.

"It's buy now pay later in your pocket and it gives you complete control over where you shop, when you pay and how you budget – all from the convenience of your mobile phone."

bundll charges no interest or fees if repayments are made on time and lets consumers delay purchases by at least two weeks. It also offers a "snooze" feature to extend the repayment period for a $5 fee.

How it works

bundll can be used for multiple payments up to $1,000 anywhere Mastercard is accepted. Before you make a purchase, you will need to nominate a weekday for your repayment to be made. Once you have completed all of your spending for that week it will be "bundled" together and you will then have at least two weeks to repay on your nominated day.

The maximum amount you can owe is $1,000. When you make a repayment, that amount is added back into your credit limit so you can spend again.

If it comes to your repayment day and you want to delay your repayment, you can do so with a "snooze" which lets you delay the repayment of a bundll by 14 days.

How much it costs

bundll charges no fees or interest if repayments are made on time. If you decide to "snooze" your repayment, a flat fee of $5 will be deducted from your funding source unless the repayment amount is less than $100.

If you're late with a repayment you will have 24 hours to repay it. If you don't, you'll be charged a $10 late fee and your account will be suspended.


bundll has also announced a strategic relationship with Raiz. Raiz, a micro-investment platform, gives its users a way to invest in exchange-traded funds (ETFs) while also building up their investment consistently through round-ups. Raiz customers will be able to fund purchases on bundll by facilitating instant liquidity on their accounts. They will also be able to round up their bundll purchases to invest in their Raiz accounts.

How it compares

According to bundll, it represents a completely new category of BNPL in Australia because consumers are not limited to where they can shop. This is true for the majority of providers, including Afterpay, Zip and even Humm, that rely on merchant partnerships and integration for consumers to be able to spend with retailers. But newly launched Klarna allows you to shop with any Australian retailer through a "ghost" (virtual) card feature available through its app.

In terms of costs, it does not charge ongoing fees or interest, which is along the same line as competitors Afterpay and Zip. However, the $10 late fee for bundll is a one-off while the late fees for both Zip and Afterpay are ongoing.

You can find out more about the buy now pay later providers available in Australia and compare them here.

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