Shop online buy now pay later

However, unlike traditional loans, buy now pay later is paid without any interest. When the customer makes the purchase, they enter an agreement with the BNPL ...Tabby is a Buy Now, Pay Later platform from the UAE that was founded in 2019 by Daniil Barkalov (COO) and Hosam Arab (CEO) and is present in KSA, UAE, Kuwait, and Egypt. The app already has more than two million shoppers that can choose from more than 4,000 brands and small businesses. Some of the … Millions of shoppers globally and counting. 1 Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply. For example, for a $335 purchase, you’d make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. PayPal offers buy now, pay later financing when you shop online with merchants that accept PayPal. Its Pay in 4 option doesn’t charge interest or fees, while its monthly payment loans have ...Jan 2, 2024 · And on top of any fees, your credit could take a hit. While buy-now, pay-later companies generally use a soft credit inquiry to approve you for a loan, they may report late or missed payments to the credit bureaus, which can affect your credit scores. A joint Credit Karma/Qualtrics survey found that of the 42% of Americans who have used a buy ... Out of all the buy now pay later companies, ZipPay has the most option available for using in store and online having the create temporary card feature and ...Zip Pay & Zip Money - Buy Now, Pay Later. Shop just about everywhere, online and instore with Zip. Get flexible repayments on small or large purchases, starting from just $10 per week. Sign up to Zip Pay for up to $1,000 to spend, interest free. Sign up to Zip Money for bigger purchases. Zip what you need. Apply for an an … Apply Now. Representative Example: You make a Pay Later Purchase on 1 May of €120. Our Fee is 1.65% of the €120 purchase price, which equals €1.98. You pay €40 upfront on 1 May and then two payments of €40.99 on 1 June and 1 July. In total, you have borrowed €80 and pay us back €81.98. Late fee. $15.00. Highlights. The better way to pay for life's bigger buys. Guaranteed 0% interest for 3 months on all transactions. Promotional offers between 6-48 months depending on where you shop. The interest-free period is determined by the merchant you shop with. 25.9% p.a after your interest-free …Certain merchant, product, goods, and service restrictions apply. For example, for a $335 purchase, you’d make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance …This Buy Now Pay Later app offers 0% interest. However, if your payment is late, it will charge you a one-time administration fee worth ₱300. Atome’s partner brands include ZALORA, Aldo, Garmin, HairMNL, The SM Store, and Rustan’s. Non-fashion partners are Boozy, Fitness First, Agoda, and Linen and …A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Actual installment fees vary and can range from $0 to $7.50 depending on the purchase price and Zip product used.Fact checked by. Skylar Clarine. Buy now, pay later (BNPL) is an increasingly popular way for consumers to make purchases online and in stores. These point-of-sale installment loans are offered by ...Buy Now Pay Later | Pay in 4 or Pay Monthly | BNPL. Pay in 4 and Build Credit¹. Welcome to Sezzle, The Responsible Way to Pay. Start splitting your purchases …Nov 5, 2021 ... Shoppers are also now using 'buy now, pay later' services for smaller purchases, putting them squarely in line with how people use credit cards, ... Download the Affirm app and discover a new way to pay over time almost anywhere. Buy now, pay later laptops, gaming pc’s, iPhones and more with Affirm. Enjoy no hidden fees, no late fees, no compound interest, and as low as 0% APR. As many as 2 in 3 Americans have more interest in buy now pay later (BNPL) in 2022 compared to before the pandemic. As many as 2 in 3 Americans have more interest in buy now pay la...Buy Now, Pay Later with big limits, big range and big time to pay.Up to 70% OFF & Fast Shipping | Presidents' Day Clearance Feat. Sealy. Shop Wayfair for A Zillion Things Home across all styles and budgets. 5,000 brands of furniture, lighting, cookware, and more. Free Shipping on most items.A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Actual installment fees vary and can range from $0 to $7.50 depending on the purchase price and Zip product used.Certain merchant, product, goods, and service restrictions apply. For example, for a $335 purchase, you’d make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance … When you can Buy Now Pay Later with convenient interest free* payment plans Australia wide. With our convenient payment plans, you can obtain the funds you need now and pay them back at a later date, without any interest charges. Our payment plan option allows you to make purchases up to $30,000 for a wide range of items. Toll roads are a common way to get around in many parts of the world, but they can be a hassle to pay. Fortunately, there are now easy ways to pay your tolls online. Here are some ... bareMinerals I Am An Original Get Started Kit. $69.99 $41.97. $5.99/month*. Online credit shopping is easy with Stoneberry Credit! Shop for brand name electronics, furniture, toys, jewelry, kitchen appliances & more with payments as low as $5.99 per month. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Actual installment fees vary and can range from $0 to $7.50 depending on the purchase price and Zip product used.Embrace stress-free shopping with our flexible payment options, and experience the joy of gearing up for your holiday travels now while paying later. LutherSales provides approval for up to $5,000 or even more, making your journey as seamless as possible. Upgrade your travel essentials effortlessly and set the stage for unforgettable holiday ...2 days ago · Whether you choose to pay now, split your purchase or pay later, you get a complete overview of all your purchases and finances. You can even make early payments or extend your due date. “Best Buy Now Pay Later App” - Leely. NEVER MISS A PAYMENT. Stay on top of your finances by activating push notification reminders. Afterpay is fully integrated with all your favorite stores. Shop as usual, then choose Afterpay as your payment method at checkout. First-time customers complete a quick registration, returning customers simply log in.Progressive Leasing's early purchase options cost more than the retailer's cash price (except 3-month option in CA). If you use Progressive Leasing and want to purchase early call 877-898-1970. Buy Now, Pay Later Electronics, Laptops, Gaming PCs, Cell Phones, TVs, Tablets, Video Games, and more.However, unlike traditional loans, buy now pay later is paid without any interest. When the customer makes the purchase, they enter an agreement with the BNPL ...Make shopping even more fun with a payment method that matches your lifestyle. Be free in what you choose, love and keep. And the payment? That is something you ... Login to check eligibility or learn more from our blog. 1 Customers can split purchases between $50 and $999.99 USD into 4 interest-free, bi-weekly payments. 2 Customers can pay monthly installments for orders between $150 and $17,500 USD. 3 Some merchants may only be eligible to offer customers up to 6 months of interest-free monthly installments. All you need to know about getting and paying for a great college education, including tips on financial aid, borrowing, and scholarships. By clicking "TRY IT", I agree to receive ...Shop now pay later, with Clearpay. Pay for purchases in 4 fortnightly payment instalments, with no extra fees when you pay on time*. With 1000s of products & brands to choose from that allow you to buy now and pay later, you’ll find great online shopping deals on a range of beauty products, fashion, travel, homeware & more. Download Clearpay now!Jul 13, 2022 · However, one BNPL app stands out above the rest: PayPal Credit. PayPal Credit is accepted by millions of companies online, is easy to use, and offers six months of interest-free financing for any purchase over $99. The provider also makes online shopping fast and budget-friendly. Compare the Best Buy Now, Pay Later Apps South Africa’s risk-free, #zerointerest payment solution. PayJustNow offers you 3 equal interest-free instalments and gives you a rad new way to pay - today!When applying online, you can secure a limit of up to $5,000, while in-store purchases can go up to $30,000. You have the flexibility to choose between 3, 6, 12, 24, or even 60 months interest free* repayment options based on the available deals with our merchants. ... humm is Australia’s Bigger Buy Now Pay Later.4.9App store rating. Millions of shoppers globally and counting. Buy now, pay later phones online and in-store at Apple, Samsung, T-Mobile, and more. Shop online and in-store with easy installment payments!Buy now, pay later (or shop now pay later) emerged as a solution to combat the high credit card fees that make it difficult for shoppers to finance goods. The payment method has proven successful as research shows that over 55% of consumers have used a buy now, later service to complete an ecommerce order.Are you planning your next vacation but worried about the immediate payment required when reserving a hotel? The good news is that there are options available for travelers who pre...Sep 22, 2023 · This Buy Now Pay Later app offers 0% interest. However, if your payment is late, it will charge you a one-time administration fee worth ₱300. Atome’s partner brands include ZALORA, Aldo, Garmin, HairMNL, The SM Store, and Rustan’s. Non-fashion partners are Boozy, Fitness First, Agoda, and Linen and Homes. To request an adjusted payment schedule, contact Afterpay’s Customer Service team and the team will review your account to determine eligibility. Not all requests can be accommodated. Afterpay Customer Service Team. Phone Number: 855-289-6014. Standard hours: Monday through Saturday 7AM to 7PM (CST)When it comes to military pay, there are a lot of questions that arise. How much do service members make? What types of benefits are available? How is military pay calculated? This...Certain merchant, product, goods, and service restrictions apply. For example, for a $335 purchase, you’d make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance …October 14, 2022. When you’re shopping at Walmart, you have a few payment options available, including the buy now, pay later program. Essentially, if you use this payment option, you’ll pay for a portion of your purchase upfront and receive your purchase immediately. You’ll then pay off the remainder of your purchase in a series of ...Out of all the buy now pay later companies, ZipPay has the most option available for using in store and online having the create temporary card feature and ...Apply Now. 3 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit. 4 Based on purchases of $40 or more with a WebBank/Fingerhut Fetti Credit Account versus a typical 6-week, 4-payment BNPL option. Get the credit you deserve.01:09. “Buy now, pay later” services are increasingly popular as Americans rack up record debt and feel the pressure of inflation. Max Levchin, …You might be tempted to pay off your mortgage loan as quickly as possible. It's not much fun, after all, making that big mortgage payment each month, especially when much of it is ...Use Ginny’s Credit and get buy now, pay later convenience on colorful kitchen cookware and appliances, updated furniture, exciting electronics, comfy shoes and much, much more. Come join the fun! Buy Now, Pay Later with Buy Now, Pay Later Low monthly payments! Learn More.Shop freely, buy responsibly. Apple Pay Later splits your purchases into four equal payments over six weeks — with no fees or interest. 2 Use it on the millions of apps and websites that accept Apple Pay to more easily buy the things you want. You can use it for purchases between $75 and $1000 made on iPhone and iPad.SPLIT ANY PURCHASE IN 4¹ Buy now, pay later: shop your favorite brands and pay with your linked account in 4 payments over 6 weeks¹. Get an instant decision³, with no long application forms or hassle. …Embrace stress-free shopping with our flexible payment options, and experience the joy of gearing up for your holiday travels now while paying later. LutherSales provides approval for up to $5,000 or even more, making your journey as seamless as possible. Upgrade your travel essentials effortlessly and set the stage for unforgettable holiday ...Progressive Leasing's early purchase options cost more than the retailer's cash price (except 3-month option in CA). If you use Progressive Leasing and want to purchase early call 877-898-1970. Buy Now, Pay Later Electronics, Laptops, Gaming PCs, Cell Phones, TVs, Tablets, Video Games, and more.May 22, 2023. Buy now, pay later (BNPL) is an increasingly popular offering across many different types of retailers. From clothing and home goods to toys and tech, …Buy Now, Pay Later with big limits, big range and big time to pay. Shop Now Pay Later. PROMO DURATION: until December 31, 2023. PROMO MECHANICS: 1. Shop Now Pay Later 0% installment promo is valid at any Abenson, Electroworld, AbensonHOME, Automatic Centre branches nationwide. Promo is also available online at abenson.com and other sales channels. 2. 0% is valid if monthly payment is paid in full depending on ... Join the 8 million+ members that see their paycheck differently. "Beyond happy with all my products, not to mention my credit score has gone up almost 70 points in 6 months!!" "BEST APP EVER!!!!! It helped me tremendously with my credit. I would highly recommend." "I love perpay!!! Everything was delivered fast and customer …South Africa’s risk-free, #zerointerest payment solution. PayJustNow offers you 3 equal interest-free instalments and gives you a rad new way to pay - today!It launched in the UK in 2017 and recently announced a $20m partnership with H&M. Klarna allows people who shop online at Asos, Schuh, JD Sports, Topshop, and hundreds of other online stores, to ...Getting a violation ticket can be a stressful experience, but paying it doesn’t have to be. With the convenience of online payment options, you can quickly and easily pay your tick...One of the biggest duties of homeownership is simply paying the mortgage. But what if that was a cost you didn’t have to shoulder? In reality, it’s possible to cover the entire cos...Sep 27, 2023 ... For example, say you see a $36 lipstick while online shopping at Sephora. You could either pay $36 right now or use a "buy now, pay later" ...Purple. As low as 0% APR. Free Shipping on All Products. With Affirm, you can pay over time at your favorite brands. No late fees or compounding interest—just a …Buy Now, Pay Later. For Merchants Case Studies D2C Simplified. Merchants We Support. ... Shop fearlessly, pay securely. Our foolproof security measures ensure a safe shopping experience, ... Pay Later. The convenience of an online khata connected to 26,000+ merchants. Buy anything on the internet with 1 tap.Oct 18, 2023 · Klarna. Currently the most popular BNPL service, Klarna offers shoppers three ways to buy now, pay later: Pay in 30 days. Receive an invoice for your full order with up to 30 days to pay the full amount. Three interest-free instalments. Spread the cost of your purchase equally over three months. Payments are due at the time of ordering and then ... Supercharge saleswith buy now pay later. Your customers want flexible and convenient payment options—online and in-stores. Afterpay’s buy now, pay later integration for merchants lets you give customers what they need and want. To get started, share a few things about yourself and we’ll get in touch. We collect and … BUY NOW, PAY LATER. If you’ve shopped online lately, you’ve probably come across the phrase “buy now, pay later” or “BNPL” a time or two. It’s a new trend that has been gaining a lot of traction in the online shopping world, even making its way over to our little corner of the internet. Learn the critical differences between hourly and salaried pay and how to maximize your paycheck and annual income. Learn the critical differences between hourly and salaried pay a...Discover the best online shopping experience at Ourshopee.com in Dubai, UAE. Shop mobiles, electronics, perfumes, watches & more with fast delivery and great deals. Pay with Debit card Installment Buy now Pay LaterSep 18, 2023 · Best Buy Now, Pay Later Apps of 2024. Best Overall: Affirm. Best for Flexible Payment Plans: Sezzle. Best for Students: Afterpay. Best for No Credit Check: Splitit. Best for Bad Credit: Perpay ... Buy now, pay later – and comply with the FTC Act immediately. By. Helen Clark. September 26, 2022. Companies are increasingly marketing payment plans known as Buy Now, Pay Later (BNPL). Although BNPL plans vary in their exact terms, people typically pay for purchases over a period of several weeks, generally in equal installments.Chase Quick Pay is a banking tool you use to send money to almost anyone in the United States who has a bank account. While there are a few steps required to set it up, it’s design...Up to 70% OFF & Fast Shipping | Presidents' Day Clearance Feat. Sealy. Shop Wayfair for A Zillion Things Home across all styles and budgets. 5,000 brands of furniture, lighting, cookware, and more. Free Shipping on most items.Get Pay It Later up and running for your store in just 24 hours! Click 'Get Started Now' to start the application process. Get Started Now. Buy it Now, Pay Later Australia. With Pay It Later you can make purchases at your favourite online retailers and pay off the purchase later.A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining …Certain merchant, product, goods, and service restrictions apply. For example, for a $335 purchase, you’d make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance …01:09. “Buy now, pay later” services are increasingly popular as Americans rack up record debt and feel the pressure of inflation. Max Levchin, …Join the 8 million+ members that see their paycheck differently. "Beyond happy with all my products, not to mention my credit score has gone up almost 70 points in 6 months!!" "BEST APP EVER!!!!! It helped me tremendously with my credit. I would highly recommend." "I love perpay!!! Everything was delivered fast and customer …Pay later. Shop first and pay up to 30 days after placing your order. No upfront payments, no interest. Pay over time. Get more time to pay for what you love, spread the cost over smaller monthly …PayPal is a global financial technology system known for its online payment system. It launched its own buy now, pay later product known as " Pay in 4 ," which is a good option for people looking ... Download the Affirm app and discover a new way to pay over time almost anywhere. Learn about buy now pay later and how it works with Affirm. Make purchases with simple terms, no hidden fees, and no late fees and offers as low as 0% APR. How much does Buy Now, Pay Later cost? Zip charges a small convenience fee ranging from $1 to $4 (based on the cost of your item) that is added to each installment. Item Cost. Convenience Fee. Under $200. $1 per installment ($4 over 6 weeks) $200-$400. $2 per installment ($8 over 6 weeks) $401-$600.How much does Buy Now, Pay Later cost? Zip charges a small convenience fee ranging from $1 to $4 (based on the cost of your item) that is added to each installment. Item Cost. Convenience Fee. Under $200. $1 per installment ($4 over 6 weeks) $200-$400. $2 per installment ($8 over 6 weeks) $401-$600. These services can be convenient for customers who want to make purchases but don’t have the funds available to pay for them upfront. Buy Now Pay Later is proudly brought to you by the New Zealand Guide. Buy your favourite everyday products with Afterpay, Laybuy & Zip. Flexible payments & interest-free. Huge range from 30+ New Zealand stores. Lowe’s Pay is a buy-now-pay-later (BNPL) option that offers customers the ability to pay over time in equal monthly installments. The program offers instant financing for online purchases to be paid by the customer in fixed installments over 3, 6, 12, 18 or 24 months. Lowe’s Pay is financed and underwritten by Synchrony Bank. Empowering the entire payments value-chain. Splitit powers the next generation of Buy Now, Pay Later (BNPL) through our merchant-branded Installments-as-a-Service platform. We solve the challenges businesses face with legacy BNPL while unlocking BNPL at the point of sale for card networks, issuers and acquirers, all … Enjoy now. Pay later. Time, flexibility, and security are on your side. Buy what you like and break the payments up over weeks or even months. Use PayPal's Buy Now Pay Later App to pay at your favorite retailers. Select a Pay Later offer at checkout, Pay in 4 or Pay Monthly, for qualifying purchases. There is no additional charge for your customers to buy now, pay later – they make four interest-free payments over six weeks, the first payment being due at time of purchase. Merchants using Afterpay get paid the full amount at time of purchase, minus a 6% + 30¢ processing fee on the total order. There are no processing fees …Zebit - Marketplace with Buy Now & Pay Over Time Option – Zebit Preview. Can’t afford it now? Pay over 6 months. See Key Terms. Apple - AirPods with Charging …“Buy now, pay later” is a payment option that allows customers to purchase items and pay for them over time rather than all at once. Many companies offer this service, including Laybuy, Klarna, Afterpay, and Zip. Customers can use these services to buy items online or in-store, and pay for them in installments over a …Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $1000 2. Repayments are based on a minimum monthly payment from as little as $10 per week. A $ 9.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date. With Zip Pay, you can …Jun 24, 2022 · 7. Zip (Quadpay): Best Buy Now Pay Later for Starters. Zip (formerly known as Quadpay) is a good option for those looking to skip the credit check. Zip offers 0% interest and doesn’t report purchases or payment history to the credit bureaus. The trade-off is that Zip charges buyers a small fee for each transaction. Shop freely, buy responsibly. Apple Pay Later splits your purchases into four equal payments over six weeks — with no fees or interest. 2 Use it on the millions of apps and websites that accept Apple Pay to more easily buy the things you want. You can use it for purchases between $75 and $1000 made on iPhone and iPad.Shop freely, buy responsibly. Apple Pay Later splits your purchases into four equal payments over six weeks — with no fees or interest. 2 Use it on the millions of apps and websites that accept Apple Pay to more easily buy the things you want. You can use it for purchases between $75 and $1000 made on iPhone and iPad. Discover the latest clothes & fashion trends in men’s clothes, women’s clothes, kids clothes, shoes & more. Shop clothes in our vast range of online clothing stores. We offer you hundreds of brands and stores to choose from. Discover what you love and pay with a flexible and secure payment method from Klarna. Go to Klarna Stores. Buy Now, Pay Later. For Merchants Case Studies D2C Simplified. Merchants We Support. ... Shop fearlessly, pay securely. Our foolproof security measures ensure a safe shopping experience, ... Pay Later. The convenience of an online khata connected to 26,000+ merchants. Buy anything on the internet with 1 tap.A buy now, pay later plan is a loan offered to a customer at the point of sale so they can purchase merchandise on credit but without a credit card. … Shop Pay is the fastest one-tap checkout for secure payments online, on social, and on the Shop app. Choose Shop Pay to earn Shop Cash rewards and get flexible buy now, pay later options. Food & Beverage. Discover the full list of Food & Beverage retailers and stores on Clearpay. Buy now, Pay Later in 4 easy payments. No interest, no establishment fees. Enjoy now. Pay later. Time, flexibility, and security are on your side. Buy what you like and break the payments up over weeks or even months. Use PayPal's Buy Now Pay Later App to pay at your favorite retailers. Select a Pay Later offer at checkout, Pay in 4 or Pay Monthly, for qualifying purchases. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Actual installment fees vary and can range from $0 to $7.50 depending on the purchase price and Zip product used. BUY NOW, PAY LATER. If you’ve shopped online lately, you’ve probably come across the phrase “buy now, pay later” or “BNPL” a time or two. It’s a new trend that has been gaining a lot of traction in the online shopping world, even making its way over to our little corner of the internet. Use Ginny’s Credit and get buy now, pay later convenience on colorful kitchen cookware and appliances, updated furniture, exciting electronics, comfy shoes and much, much more. Come join the fun! Buy Now, Pay Later with Buy Now, Pay Later Low monthly payments! Learn More.Is Zip, previously Quadpay, a buy now, pay later platform like Klarna, Afterpay, and Affirm? Yes! Zip, previously Quadpay, allows you to shop your favorite brands now and pay later. Shop pretty much anywhere 1 and split your purchase in 4 installments over 6 weeks with the Zip app. 1.Like most Buy Now Pay Later apps, ViaBill also offers interest-free repayments meaning that the product’s price at checkout will be the only amount you have to pay. However, it is worth noting that if monthly payments are missed, the company charges late fees of up to $15. This is one of the ways ViaBill makes …Out of all the buy now pay later companies, ZipPay has the most option available for using in store and online having the create temporary card feature and ...A downpayment of at least 25% of the purchase total is required. By way of example, an $800 purchase could be split into 4 interest-free payments of $200 every 2 weeks starting at time of purchase. Other payment options are subject to …Buy now, pay later. with. Also known as pay over time, ... Step 1 Shop online or in-store. Add items to your cart. Choose Bread Pay™ and get a real-time decision without affecting your credit score. Step 2 Select your plan. Pick the option that works for your budget. Step 3XTERRA Fitness TR Folding Treadmill, 250 LB Weight Capacity. $479.99 $393.78. 18,432. As low as $13/mo*. NordicTrack T Series: Perfect Treadmills for Home Use, Walking Treadmill... $799.00. 32,575. As low as $26/mo*. NordicTrack T Series: Perfect as Treadmills for Home Use, Walking Treadm...And because we’re a Mastercard, you can pay over time anywhere else – online or in-store – for a small fee up to £3.00. Pay now for Rewards. Get up to 5% back in Zilch Rewards when you shop online by searching our app for your chosen store and enabling your card to Pay now before checkout. | jtnsrlyeg (article) | icpkxb.