Wonga PayLater
The new service offered by Wonga is a "buy now and pay later" option that directly challenges the usual credit card offerings on retailers' websites. The PayLater service is now being offered directly through retail websites and gives the purchaser a new payment choice. Through Wonga, the buyer pays an initial upfront fee of seven percent, followed by the purchase price divided into three separate payments. The popular service is expected to be available on additional retail sites soon. 

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