PayLaterLens

PayLaterLens is a mobile + web app that consolidates all your buy-now-pay-later plans into one clear timeline and cash-flow view. Users forward BNPL emails/receipts or connect supported providers, and the app normalizes installment schedules, fees, and return windows into a single calendar. It highlights “stacking risk” (overlapping payments across providers), predicts next-month cash crunches, and suggests a safer checkout plan (e.g., pay in full, choose fewer installments, or delay purchase) based on your real paydays and recurring bills. It also tracks returns and disputes so you don’t keep paying for items you sent back. This is not a lender and doesn’t push more credit; it’s a control panel. Monetization is a subscription plus optional employer/financial wellness licensing. Realistically, success depends on reliable data ingestion and users caring enough to set it up.