When Lucille Ruehland saw that PayPal had launched its buy now, pay later feature this week, she realised her e-commerce site checkout page was soon going to look pretty crowded.

With Afterpay, Zip, and Klarna already activated to give her customers ways to pay in instalments for her online children’s print store, Ruehland was expecting to add in CBA’s StepPay over the next few months.