With Buy Now Pay Later offerings like humm, the consumer pays no or very little fees or interest. For Little things of up to $2000, there are no fees if you choose to pay over 5 fortnights. For longer timeframes and bigger buys, there are monthly fees and sometimes establishment fees. There are also fees that consumers pay, such as missed repayment fees. The merchant also pays a fee, called a Merchant Service Fee (MSF).