BNPL options not visible above the fold
Afterpay and Zip are conversion tools, not just payment methods. Australian buyers — particularly for products over $80 — make the add-to-cart decision partly on the instalment amount, not the full price. When Afterpay messaging only appears at checkout, the buyer who would have converted on "4 payments of $22.50" never sees that number on the product page. They see the full price, feel the price resistance, and leave before reaching checkout. The fix is displaying the Afterpay or Zip instalment calculation directly under the product price, on every product page, above the fold.