Openpay (ASX: OPY) is a highly differentiated Buy now, pay later player. It has the most flexible plans in the market with plan lengths of 2–24 months and up to $20,000; it focuses on industries where it can make a true difference: Automotive, Healthcare, Home Improvement, Memberships and Education; and its target customers are mature and finance-savvy who use Openpay as a cashflow management tool. Openpay has a unique B2B offering, Openpay for Business, a SaaS-based platform that allows companies to manage trade accounts end-to-end in the one system. It provides services in Australia, New Zealand and the UK.