The 2017 BNPL experience at SM was characterized by two main features: the deferment of the first payment and interest-free installments.

: A hallmark of the BNPL scheme was that the first monthly amortization would typically be posted up to three months after the actual transaction date. This was especially popular during peak shopping seasons like the holidays.

: Most participating banks offered a standard 3-month 0% interest plan . Some seasonal promos extended this to 6 months for specific categories like school supplies or furniture.