'Buy now pay later' facility is a type of micro wallet credit, buy a product with some down payment and the rest amount pay us with some installments. ( like example, you wish to purchase a product price worth 1000 rupees from this platform but you have only 200 rupees on your wallet so you dont have sufficent money to purchase this product,  then you take 'Buy now pay later' facility pay 200 rupees as down payment, take the product to your home and the rest amount 800 rupees pay us with10 installment, each installment 80 rupees/week.)