#buy now pay later apps

[ruchiii]

For all your financial needs, use Axio app - Personal Finance Management and Expense Tracker app.

https://axio.co.in/

[financialapp]

How to Avoid Abusing Buy Now Pay Later

Buy Now Pay Later (BNPL) services offer a convenient way to make purchases without paying the full amount upfront. However, if not used responsibly, they can lead to financial strain and debt accumulation. Here’s how to avoid abusing BNPL services and maintain financial health.

Understand Your Financial Situation

Before using any BNPL service, it’s essential to assess your financial situation. Determine how much you can afford to pay each month without impacting your budget. Create a budget plan that includes your BNPL payments and stick to it. Overextending yourself with multiple BNPL purchases can lead to missed payments and accumulating debt.

Choose the Best App

Selecting the best Buy Now Pay Later app for your needs can help you manage your payments more effectively. Look for apps that offer clear terms, no hidden fees and a user-friendly interface. The best apps provide features like payment reminders and flexible payment options, which can help you stay on track with your payments. Be sure to read the terms and conditions of any BNPL service to understand the interest rates, fees and payment schedules.

Use BNPL Responsibly

To avoid abuse, use BNPL services only for purchases you can comfortably afford. Avoid using them for discretionary spending or items that are not essential. Keep track of all your BNPL purchases and payment due dates to ensure you don’t miss any payments. Set up reminders or automatic payments to help you manage your obligations.

Monitor Your Credit

Frequent BNPL use can impact your credit score, especially if payments are missed or late. Regularly monitor your credit report to check for any negative effects. Maintaining a good credit score will benefit you in the long run.

In conclusion, avoiding abuse of Buy Now Pay Later services involves understanding your financial situation, selecting the best Buy Now Pay Later app, using the service responsibly and monitoring your credit. By following these guidelines, you can enjoy the benefits of BNPL without falling into financial pitfalls.

Read a similar article about purchase household essentials here at this page.

[gifti3]

so yea running servers isnt like a cheap thing is what ive been learning these past couple weeks

[brilworks]

Top Features of Buy Now, Pay Later (BNPL) Apps

In 2022, 28% of the consumers had used BNPL services which was 18% at the beginning of the year. As a result, popular BNPL apps achieved an unprecedented surge in downloads. In this article, We’ll give you the figures on why it’s becoming so popular. Following that, we will discuss the features the app should contain.

What is Buy Now, Pay Later (BNPL)?

BNPL is a short-term financing option that allows customers to make purchases and repay them in multiple equal payments. Various fintech app providers offer different repayment timelines. These providers may charge minimal fees or offer interest-free service to the users.

While technically, a credit card is also a BNPL service, but with subtle differences.

BNPL is all about lending small amounts to individuals who have poor credit scores or no income source. Furthermore, getting a BNPL account is typically easier than getting a credit card. This is because BNPL providers don’t do a hard credit check, making it easier for an individual to avail BNPL services.

Without further delay, let’s begin and learn about the essential features of a BNPL and what to consider when developing one.

Features:

1. Interest-free days & Eary EMI-conversion

Interest-free service, and clarity in the EMI conversion process.

Many established apps in the BNPL services don’t charge fees, as their target audience mainly includes students and those with meager incomes. If you start charging fees for using your app, it might not be as attractive to potential customers. But hey, here’s a workaround. You can impose a service charge only if they can’t make their payment on time.

It’s important to remember that you will be competing with established players in the market. Therefore, focusing on features such as interest-free days can be a key strategy. Additionally, ensuring clarity in the in-app EMI conversion process is crucial.

A good example of an effortless EMI conversion process is a BNPL app developed by Brilworks. The company has gone the extra mile by introducing EMI conversion right at the checkout process, providing transparency by showing if the charges are applicable for the EMI option.

This truly innovative approach shows how the team was incredibly focused on creating a more straightforward and user-friendly experience. This prime example showcases how effortless and seamless EMI conversion can be for customers.

Tips:

You can levy the service charge to a higher amount.

Make sure the interest-free days are at least 30 days, just like or even more than what other service providers offer.

Keep it real and be totally transparent about your service charges.

Make sure your customers know exactly what they’re getting themselves into before they start using your app.

2. Payment Ease

The payment process should be easy to understand, even for people unfamiliar with BNPL apps.

When users are making payments, they want the whole process to be smooth during checkout. And that’s even more crucial when it comes to BNPL apps. Remember, people are not going to choose net banking over debit or credit cards because they can easily make payments with cards. The same goes for BNPL services — simplicity is the name of the game!

There are a few things you can do to make the payment process more straightforward for users. The payment process can make or break things; this is where you can work seriously. The easier it is, the more likely customers are to use it over other payment modes. Therefore, the payment page is where you can reinvent the process.

Here is a straightforward method to make payment a breeze for users. Imagine this: users need to authorize and link their BNPL service (or account) once on a specific platform, and done, they can make payment with just one click, without entering the account details, from then on.

However, to prevent unauthorized payment, you may consider adding OTP verification or a more straightforward method of “in-app approval.”

Additionally, you must provide an alternative OTP option which is a tested and established method to ensure the right person is making payment. You know, that one-time password sent to verify the transaction adds an extra layer of security and gives users more confidence in the process. Also, you may allow users to make smaller payments without involving two-factor authentication.

By making the payment process easy and secure, you can increase your chances of attracting and retaining users.

Tips:

Provide them with an additional option to complete the payment process.

Enable a single-tap payment facility.

An in-app payment approval facility can speed up the transaction process.

3. NFC

Besides conventional payment methods such as net banking and debit/credit card transactions, having a contactless and convenient payment method — NFC (which refers to as near-field communication) can be a great way to encourage customers to make payments easily using their NFC-compatible devices near compatible terminals while on the move.

This contactless payment feature could be a strong selling point for your app, as it can save customers time and effort compared to traditional payment methods.

4. User-Centric Homepage

The development of the homepage depends on your project’s requirements. For example, if you plan to team up with merchants and reward customers for making payments, you can dedicate a special offer or promotional section on the homepage.

Now, one significant aspect to highlight on the homepage is the “payment reminder.” When users open the app, they receive reminders about their due dates and the amount they have to pay.

Brilworks, having developed several BNPL apps, found that payment options, transaction history, user management, and a dedicated section to keep users informed about their transactions were among the hottest features that major clients requested on their homepage.

Tips:

Keep the homepage simple and clutter-free.

Feature most used functionalities on the homepage.

Place Profile Management and Transaction History at the top for easy access.

Use intuitive icons and quick actions for user-friendly navigation.

5. Pin or Password Protection

“Security in fintech apps is not an option; it’s a necessity.”

A BNPL app contains financial information; therefore, it should have an extra layer of security. So, users can pick their style — a PIN, password, or biometrics authentication — whatever floats their boat. The additional security ensures that only authorized users can access the app.

But the most important is onboarding should be straightforward. So, when users register, you can provide them the freedom to set up their authentication right then, or if they feel like taking it easy, they can totally skip it for now and do it later whenever they’re ready.

Check out this slick example of how Brilworks crafted the “Not Now” button, allowing users to bypass the security setup process upfront. So, they can dive right into the app, and whenever they’re ready, they can easily configure their choices at their own pace.

6. Referral Program

Referral program — let your users be the marketers.

A referral program is a marketing strategy where you allow your existing customers to become your marketers and earn rewards for promoting your app. This is a great way to get the word out about your app and attract new users. In exchange, you can reward the referees with promotional credit, discount vouchers, or some sort of benefit.

Referral programs are a great way to raise awareness about your brand and market your app.

Tips:

Make the rewards valuable enough to motivate users to refer their friends.

Make it easy for users to refer their friends. The referral process should be straightforward.

Track the results of your referral program. This will help you figure out which rewards are most effective and how you can fine-tune your program.

Click for other features: https://www.brilworks.com/blog/bnpl-app-top-must-have-features/

[kodytechnolab]

If you are planning to enter the Dutch BNPL market, you can get a detailed cost breakdown with Kody Technolab's analysis for creating a BNPL app like In3 in the Netherlands.In3 is a Dutch fintech platform that lets consumers pay in 3 equal parts without interest or BKR registration.

Contact now to get a detailed cost breakdown analysis for creating a BNPL App like In3.

[dinotab]

The Benefits of Buy Now, Pay Later: Convenience, Flexibility, and Financial Freedom

In recent years, a new trend has emerged in the world of retail: “Buy Now, Pay Later” (BNPL) services. These services have gained popularity among consumers as a flexible and convenient alternative to traditional credit cards and loans. With BNPL, shoppers can purchase products immediately and split the cost into manageable installments over time. In this article, we will explore the various benefits of using BNPL services and how they can enhance the shopping experience for consumers.

Convenience and Instant Gratification: One of the most significant advantages of BNPL is the convenience it offers to shoppers. Traditional credit card applications often involve lengthy approval processes, while BNPL services provide instant approvals, allowing consumers to complete their purchases without delay. This instant gratification is particularly appealing for those who may not have immediate access to funds or prefer to spread out their expenses.

Flexibility and Budgeting: BNPL services empower consumers with greater flexibility and control over their finances. By dividing payments into smaller, more manageable installments, shoppers can better align their spending with their budgetary constraints. This flexibility enables individuals to make essential purchases or splurge on a luxury item without compromising their overall financial well-being. BNPL eliminates the need to drain savings or rely on high-interest credit cards, allowing consumers to allocate funds for other necessary expenses.

Interest-Free Options and Transparency: Many BNPL providers offer interest-free installment plans, meaning consumers can pay for their purchases over time without incurring additional charges. This feature makes BNPL an attractive alternative to credit cards, where accumulating interest can lead to mounting debt. Additionally, BNPL services often have transparent terms and conditions, ensuring that consumers are aware of the exact repayment amounts and timelines upfront. This transparency allows individuals to make informed decisions and avoid unexpected fees or penalties.

Enhanced Shopping Experience: BNPL services contribute to an enhanced shopping experience by removing financial barriers and expanding purchasing options. With BNPL, consumers can explore a wider range of products, upgrade their purchases, or buy higher-quality items that may have been financially out of reach otherwise. This increased buying power promotes customer satisfaction and loyalty, benefiting both shoppers and retailers.

No Credit Checks and Improved Financial Inclusion: For individuals with limited or no credit history, BNPL services offer a viable means of making purchases without undergoing stringent credit checks. By utilizing alternative data points and payment histories, BNPL providers can assess a consumer’s ability to repay installments, opening up access to a broader customer base. This improved financial inclusion allows individuals who may have been excluded from traditional credit avenues to participate in the economy and enjoy the benefits of online shopping.

Conclusion: Buy Now, Pay Later services have revolutionized the way consumers shop by providing convenience, flexibility, and financial freedom. From instant approvals to interest-free options and enhanced buying power, the benefits of BNPL are numerous. However, it is crucial for consumers to exercise responsible spending habits and thoroughly understand the terms and conditions of each service. By doing so, shoppers can leverage the advantages of BNPL while maintaining their financial well-being, ensuring a positive and rewarding shopping experience.

[paywithsuave]

Looking for Afterpay Mobile App? Suave is fully integrated with all your favorite stores. Shop as usual, then choose Suave as your payment method at checkout. Download the Buy Now Pay Later app now. For more info, visit www.paywithsuave.com

[financialapp]

Does Using Hot Water Increase Your Gas Bill?

Many households rely on gas-powered water heaters, which can significantly impact your gas bill, especially when hot water usage is high. Understanding the relationship between hot water usage and gas expenses can help you manage your utilities more effectively and potentially seek out gas bill assistance if needed.

Impact of Hot Water on Gas Consumption

Using hot water in your home does indeed increase your gas bill. Gas water heaters heat and maintain large volumes of water at a set temperature, ready for use in your kitchen, bathroom or laundry room. Every time you use hot water, the heater must work to replenish and maintain the hot water supply. Activities such as long showers, using the dishwasher and doing laundry with hot water can lead to more frequent heating cycles, thus using more gas.

The amount of gas used can vary depending on the efficiency of your water heater, the temperature it's set at and your overall hot water usage. Older, less efficient models or heaters set to maintain a very high temperature can consume more gas, thereby increasing your bill.

Managing and Reducing Hot Water Costs

To control the costs associated with hot water usage, consider the following strategies:

Reduce water temperature: Lowering the thermostat on your water heater can significantly decrease gas consumption.

Upgrade to efficient models: Modern, energy-efficient water heaters can be more effective at using gas, which might help reduce costs.

Insulate your water heater: Adding insulation can reduce standby heat losses.

If you find your gas bill overwhelming due to high hot water usage, remember that there are programs offering gas bill assistance. These programs can help make your monthly expenses more manageable by providing financial aid or support services.

Conclusion

Hot water usage definitely impacts your gas bill, especially if your home uses a gas water heater. Managing how and when you use hot water can help control these costs. Additionally, if high costs are a consistent problem, consider seeking gas payment assistance to alleviate financial stress. Implementing energy-efficient practices and equipment upgrades can also contribute to long-term savings.

Read a similar article about Philadelphia gas works bill payment assistance here at this page.

[genderqueerdykes]

physically disabled schizophrenic homeless trans person about to lose hotel room

hello, i know i have other posts out right now, but i'm in a very terrifying situation right now and i am scared shitless. it is sunday, 2/25/2024. i got a call back from the government waitlist apartment that i've been approved for, and need to Uber over to their office tomorrow morning to sign paperwork to get moved in later this week. they said the absolute earliest they can move me into my unit is tuesday. my hotel stay runs out on tomorrow, monday morning at 11 am and i am currently waiting on my deposits from my art business to hit my account- they take several days to process, and aren't coming in fast enough. the rest of the money i had on my person went to paying for my hotel up until now and my storage unit bill.

i hate to make another post while i have others circulating, but if i do not get at least monday night paid for before 11 am on 2/26, i will be completely without housing right before i'm able to move into my new place. i don't have anywhere else to stay right now and i can't afford any setbacks with this apartment, as i've been working with them since october. i need to be able to afford my current hotel until they are able to move me in, and uber to and from the complex.

my hotel is currently $38/night:

please note these are the only payment gateways that will get to me fast enough so i can book more nights in my hotel & afford an uber to and from my new apartment:

cash App: $glitterGraphix venmo: @ Equinoxian pay pal: glittergraphicnightmare@ gmail.com

thank you to everyone who has already helped- your contributions will be able to go toward getting us moved into our new place, buying necessities like appliances, transportation and more. thank you for all of your help. again, sorry for making another post but we are literally down to the wire and i'm anxious as all hell.

[sweet-as-an-angel]

how about yan!dilf finding out that his darling has an onlyfans account?

Yandere DILF! Reaction to You Having an OnlyFans

Warnings: 18+, Smut, Manipulation, Blackmail, Infidelity, Pet Names, No Pronouns Used For Reader Except You.

Wordcount: 4364 words

♡ Good Lord, WHO gave this man internet access.

♡ Going to keep it real with you, babe, you’re finished if he finds your OnlyFans account. And so is he (in more ways than one) – but more on that later.

♡ Let’s say Domninic’s many, many hours of internet sleuthing (stalking) have led him to the pearly gates of your Only Fans account, the only thing separating him from whatever lies on the other side being a pay wall. One of the only kinds of walls that can’t stop Dominic.

♡ Of course, he buys a subscription. Of course, he does it under an alias, through an unlisted online banking app, on a burner laptop.

♡ And, upon seeing what you’re offering, he’s glad he took so many precautions.

♡ At first, the two emotions Dominic has felt most commonly throughout his lifetime flash in his ribcage, dance along the edge of his eyelids – make his eyes grow heavy.

♡ Lust and rage.

♡ Lust for the obvious. Rage for that which shouldn’t have angered Dominic.

♡ In a lot of ways, Dominic is a traditionalist; one’s significant other is for their partner and nobody else (even if Dominic doesn’t abide by this logic himself). Thus, to see you, the person he wishes he’d married, the person he knows is fated to be his, spreading their legs for any guy with enough money to buy a coffee, mortifies him.

�� One, because you’re his. Two, because you sell yourself for such a low price.

♡ Dominic’s too wrapped up in his wrath to see to the vague throbbing between his legs. He’ll just make it Marilyn’s problem later when she returns from book club or whatever it is she does these days – and continue to make it her problem well into the morning when she struggles to emerge from bed, her legs buckling beneath the weight of his anger.

♡ For now, he paces around his office, checks the camera inside the bear he’d given to you months before.

♡ How had he not noticed sooner? He watched the footage from that bear enough times that he can recite everything you’ve ever said, can predict everything you’re going to do, has memorised all the unconscious quirks you adopt when you think no one’s watching.

♡ Dominic comes to the conclusion that you must be conducting your business in another location. One where you won’t be so easily found.

♡ Sure, he could go out, follow you to this location when you think you’re alone. He could even pay someone else to do it. But, amidst his rage, an idea sparks.

♡ No, he has a much better, much more cunning trick up his sleeve.

♡ The next day, Dominic comes to you with an offer he knows you can’t refuse.

♡ “Marilyn and I are going out tomorrow night and we’d like for you to babysit the boys for us.”

♡ You tried to refuse. You tried to make up a reason less nefarious than the one you held in your mind as to why you couldn’t do it. And Dominic only smiled, his eyes never crinkling, the sentiment never reaching them. He looked through you.

♡ He offered to raise your pay to an amount you both couldn’t accept and couldn’t pass up.

♡ This newfound amount was, considering how few subscribers you had on OnlyFans, irresistible. A godsend, in some respects. Especially when Dominic began taking his wife out more and more frequently, needing you to care for his children more often than not.

♡ To Marilyn, Dominic was finally, finally, trying to fix their marriage. To make good on the world he’d promised her those twenty-or-so years ago when he’d imprisoned her in a loveless marriage.

♡ To you, Dominic was being an understanding neighbour who was offering you a chance at a normal living wage out of the kindness of his heart.

♡ To Dominic, it was all a ploy to get you right where he wants you.

♡ The weeks passed. Dominic kept a close eye on your OnlyFans page.

♡ It would soon be time for you to upload your newest batch of material. If you ever found the time to do so, of course. What, with all the extra work Dominic had given you, he wouldn’t be surprised if you’d forgotten. Or simply hadn’t the time.

♡ It mattered little to Dominic now. He knew he had you on the ropes.

♡ The shift from one foot to the other as he offered you yet another night to babysit his boys, only for your eyes to lower. Uneasy.

♡ You’d tried the old “I’m sorry, Mr. Laurier–”

♡ “Please, (Y/N), we’ve been over this.” He smiles down at you. “Call me Dominic.”

♡ You try again.

♡ “Dominic – I’m sorry, but I just don’t think I’ll be able to tonight–”

♡ And Dominic used the tried and tested: “Oh…is it the pay? I can pay you more, if that’s the issue–”

♡ Issue. You’re making a problem out of this, not him.

♡ You backpedal. You sigh. You try to stand your ground.

♡ Unfortunately for you, the ground you’re standing on is merely a sheet Dominic is going to pull out from under you at any moment.

♡ You tried. Really, you did. Tried to reject Dominic’s kindness.

♡ And he looks down at you. He’s too beautiful for a grimace, he knows this. He puts on a mask he’s sculpted just for this moment – the false front.

♡ “I see,” he says, his voice low. His gaze shifts off to the side. He pretends to look for the right words to say. He already has them in his back pocket.

♡ “I understand. It’s just that…well…” He sighs. Places a hand on his hip. A change in posture. Something’s shifted about him. You’re paying attention, the oncoming of regret starting to form in the pit of your stomach.

♡ Dominic looks you dead in the eyes.

♡ “Don’t…tell anyone I told you this,” he looks behind him. Turns back to you. “But, Marilyn and I don’t really trust anyone else with our babies – we only keep asking you because…well, you’re brilliant with them.”

♡ He says it like it’s common sense. Flattery is every manipulator’s best friend.

♡ He senses reservation in you. He keeps going.

♡ “And…no, forget it, it’s fine. We’ll just cancel,” he smiles down at you. This time, the smile does reach his eyes. Makes it look like he’s hiding something else. Sorrow.

♡ You gasp inwardly, you take a step towards him.

♡ “Oh, I’m sorry! No, no, I can watch them tonight. I’ll just…do my work tomorrow,”

vYou try to smile. Dominic’s becomes genuine.

♡ “You sure? We–” Marilyn and I, halve the blame– “wouldn’t want to be keeping you from anything important.”

♡ You assure him they aren’t. That he isn’t. He’s won this round.

♡ He puts his hand on your shoulder. You’ve known each other long enough now that this is no longer a gesture that would inflict upon Dominic a problem he’d be lumbered with until he can, quite literally, take it into his own hands, and that you don’t flinch beneath his touch.

♡ There will be time enough for that. He knows this.

♡ And so, Dominic leaves you with an estimation of the time of his outing and his arrival. 

♡ “We’ll be back before you know it,” he says. He smiles at you from the front door, the handle in his grip. He leaves, his victory ringing in his head, making his heart thrum.

♡ And he didn’t even need to bust out the old ‘My marriage is failing’ shtick.

♡ True to his word, Dominic and his wife leave early into the evening, a rehash of their sons’ bedtimes and snack preferences no longer necessary. Second nature to you now.

-

♡ Your work – your OnlyFans content – played on your mind for the whole evening. Time seemed to slip away and stand still – paradoxy – as you pleaded inwardly for Dominic and Marilyn to return.

♡ The hours bled into one another, tearing away from what you could have been doing instead of guarding the house while Marilyn’s children slept upstairs, for truly they were more Marilyn’s offspring than they were Dominic’s.

♡ A half hour passed. Forty-five minutes. An hour.

♡ You came to face the possibility – the likely reality – that you would simply have to announce to the few followers you had that there would be no new content this month; that you would supply them with what they paid for twice over in a few weeks’ time. And pray that you actually had an audience patient enough to outlast your absence before that.

♡ Amidst your planning of damage control, an idea poked its head from the shadows. A failsafe. A sequel to your desperation.

♡ You could always just…take a few pictures here.

♡ The idea flashed in your mind like a life alternate to your own; past, with the certainty of already having been lived. All consequences already tangible. Foreseen.

♡ Perhaps that was why the anxiety associated with such expeditions into unfamiliarity had failed to catch up with you.

♡ Or, perhaps something masked it. Desperation, or one of its subsidiaries.

♡ Of course, you tried to stifle the idea. Tried to suffocate it with the smoke through which it walked. Though, its fiery grasp had mastered the art of survival.

♡ It wouldn’t go away. Much like Dominic’s lingering gaze whenever his wife was out of eye-shot and only you remained.

♡ Ten minutes crawled by and you almost wished for the rapidity with which the last hours had passed to find you, seek you out amidst this frozen landscape Time had entombed you in.

♡ And, as is the folly of man, you entertained that which should not be. You considered the likelihood – the schematics – of indulging such a proposition.

♡ Nobody was home and the boys were asleep, out of the way. Most rooms were large enough and devoid of personality so to mask your location – especially if the Lauriers had more of the sterile white sheets they laid their bed with.

♡ Then, a memory.

♡ A basement, tucked away between the folds of your psyche as its location within the house. You recalled the couple having one – a sizable one at that – when Dominic had invited you down there with him to retrieve more seating for his lawn party.

♡ You knew where it was. Knew where the keys were kept.

♡ And so, with a hammering heart and a withering step, you sought your fortune.

♡ The keys were easily enough discovered. As was the creaking door of the basement. And, upon your descension – biblical in your visage as the light from the hallway, dim as it were, cast a glow about your silhouette amidst the depths of the basement – you found precisely what you needed.

♡ A space – clean, untouched – equipped with white sheets covering a mass of boxes. Sure, they were creased; stained with Age’s attempts at youth, gripping onto the sheets and leaving his spectral marks – wrinkles – in their cotton-thin sheets, but they were there.

♡ You cast a keen ear to the ceiling, the living room floor, every few minutes as you looked for a place to start filming, a place to lay the sheets down, something to cover your face.

♡ You find a place, retrieve a Halloween mask from one of the boxes, and, without much deliberation, begin filming.

♡ What you do is nobody’s business but your own. Well, yours and the hungry men who survey your account for any crumbs you deign to feed them.

♡ What you don’t hear through the conduct of your business is the return of the home’s owner.

♡ Dominic hung up his coat, made little show of announcing his presence, and went straight for the basement.

♡ Don’t ask how he knew you’d be there.

♡ His steps grew more deliberate, louder, the closer he grew.

♡ You didn’t even know he was home until it was too late.

♡ At the height of your percussion, just when you were about to reach the moment of your video that would make the lead up worth it, something hit the floor behind you.

♡ You jumped. Whipped round to see what had happened.

♡ And there was Dominic. Hair black as the corners of the room, eyes void of any discernible emotion as he looked down at you, arms crossed over his chest, the top of his shirt undone by two buttons, not even out of his work clothes.

♡ You fumbled, the apologies, explanations and defences lodged in your throat as you choked to get them out, slamming your thighs together and reaching for the camera in your bid to shut it down. You tore the mask from your head, revealing blushed cheeks and a light sheen of sweat forming from the neck up.

♡ Dominic made sure to stay out of the camera’s line of sight, to remain only an anonymous spectator as he circled the room. He said nothing. Did nothing. Just watched and waited, walking.

♡ It was only after he knew the camera was off, your confidence in tatters around you, that he approached.

♡ You tried explaining, but he just shushed you.

♡ “No need to explain, my Dear,” he told you. He sighed, deeply, brought the corner of his lip between his teeth. He donned the veneer of disappointment.

♡ “I suppose I’m just…shocked,” he said. He leaned against a stack of boxes, solid against his back. He ran a hand through his hair and looked off somewhere. “I never knew you were…that kind of person,”

♡ The way he said that, like it had bleached his tongue just to speak it, made your heart sink lower.

♡ “I mean, what do we do now?” He made sure he gave you an incredulous glance, feigned disappointed abashment. “I pay you to look after my sons and I find you here, doing…” He looked to the camera, briefly, then away. As if he could still see what you had done on the tiny screen attached to it.

♡ You apologised profusely, tried to defend yourself: “Mr. Laurier, please – I didn’t– I never–”

♡ He didn’t interrupt you. He let you tie yourself in knots. Like a pretty present, all for him.

♡ Once you had exhausted your ability to explain yourself, Dominic let your fear hang for a moment, let it sink before you like a darkness bowing the ceiling above you. The singular lightbulb flickered.

♡ Dominic sighed. Pushed off the boxes. Came to you.

♡ “Honestly, (Y/N), if you were that desperate for money, you could’ve just asked.”

♡ He knew that wasn’t why you were doing this. But he also knew you’d accept whatever out he gave you. You listened.

♡ “Have I not been paying you enough? Have I misvalued your capabilities for this position?”

♡ The way his eyes flickered to your locked-together legs as he said position made your skin shiver.

♡ “Or…” he looked down on you. Relaxed his posture.

♡ “Is there perhaps some other reason you chose to…conduct yourself here?”

♡ When you didn’t answer, trying to decode his crypticism, he cocked his head ever so slightly to the side.

♡ “Could it be that you…wanted me to find you like this?”

♡ You tried to deny it, tried your utmost to say you’d never do such a thing to anyone, least of all your married neighbour and employer, but Dominic would hear none of it.

♡ “I’m flattered, really.” He says. He cast his eyes down, as if mulling over a secret. “My wife and I’s deteriorating marriage must be worse than I thought if it was so apparent to you of all people.”

♡ You knew such a comment, especially under these circumstances, shouldn’t have stung the way it did. Dominic only let you ruminate on it for a moment.

♡ “Maybe you wanted to show me something you knew Marilyn couldn’t.”

♡ Your jaw dropped. Dominic came to stand behind the camera. He toyed with it, general, not looking at anything in particular. You begged that he wouldn’t find a way to review the footage.

♡ Domonic stood back, looked down at you.

♡ “How about a compromise,” he offered. You watched him, eyes wide, heart pounding, stomach churning, breath short. He gave a pale smile.

♡ “You help me burn off some of the tension I’ve had building up over the last few weeks,” his eyes darkened. “And we’ll never speak a word of what happened here tonight.”

♡ Your words caught in your throat again.

♡ You knew Dominic was attractive, sure, but to help him cheat on his wife? And one so kind and loving as Marilyn–

♡ Your head span. Dominic had thrown you a lifeline.

♡ With a sigh, you evaluated your options.

♡ Your OnlyFans rarely made enough money to keep you financially independent, even for a short while; you had more to lose if you couldn’t keep your babysitting job. And you knew there was no chance Dominic would let you babysit again if he thought this was what you’d be doing during the dark hours of the evening.

♡ And what if he told Marilyn? What if she told their neighbours, your parents–

♡ In your vulnerability, your worry for your own preservation, you quietly agreed.

♡ And besides, you rationalised with yourself as the weight of the situation, of Dominic settling behind you, sank in. Better for Marilyn that he’s doing this with me rather than someone she doesn’t know, right?

♡ Given your bottom half was already bare, Dominic didn’t have to waste time undressing you himself. Though, under any other circumstances, he’d have jumped at the privilege.

♡ He’d often dreamed of this entire process being slower, gentler, and in the comfort of a bed in some lush space – usually a hotel. Not the sheet-covered ground of his cold basement.

♡ That evening, the mask Dominic wore was that of the common thief, for from you he stole your dignity. Your future.

♡ What you hadn’t realised was, as Dominic had been stood by the camera, he’d set it to record. Premeditated.

♡ You didn’t question why he pulled the mask from beside you onto his head. You just assumed, in your post-panic haze, that this was something he was into. Something he hid from Marilyn.

♡ Dominic still wore his work pants and had them pulled down to the bottom of his thighs. He’d also done away with his shirt from what you could feel of his skin; he radiated heat like you’d never felt before, even when you’d been in close proximity to him prior to this.

♡ You didn’t even have chance to think of much, to let the guilt and abashment of this whole situation weigh in on you as, with Dominic’s hands about your waist as if to steady you, he pushed in, filling you by an inch or two. 

♡ You were easy to penetrate given your recent activity, but that only served to quell the stretch by a slight margin. You gasped, jolted, and Dominic’s grip about your middle tightened. He pulled you back, inadvertently pushing more of himself into you. You bit your lip, trying not to enjoy the mortifying implications of this entire affair, the feeling of being filled by the man who held your future in his hands.

♡ He was, regardless of whether you’d done this before, nothing like you’d ever experienced. He alternated between being gentle and rough, eventually lodging himself inside you entirely and guiding you up and down his shaft at a rate that suggested patience. Just a minute later, he’d pick up the pace, pulling out and slamming back in, pushing you down so he could reach the deeper parts of you.

♡ And all the while, you could feel a tightness below your stomach. One which, to your panic, strengthened whenever you considered that you were helping a married man cheat on his wife, that your situation was buried beneath so many layers of complexity you feared you’d never see the light of clarity again.

♡ A married man. One who, if his soft touches and stifled moans were anything to go by, held rather a fondness for you in this moment.

♡ Dominic didn’t talk at all throughout the entire encounter, opting only to communicate with an occasional squeeze to your thighs, reaching around to your front to touch you in ways that had you whining and crying, and tugs to your hair whenever you tried to hide your face in your hands.

♡ The whole sordid affair hadn’t unfolded exactly how Dominic had wished – dreamed – it would.

♡ In his dreams, it had been gentler – consistently so. More private. Though, no less taboo.

♡ Now, he was harsher. Rough, though not enough to hurt you. Just enough to make sure you felt every inch of him; just what these subscribers of yours would pay to see.

♡ Dominic pressed close to you as the camera recorded, your face exposed for whoever came into possession of the video to see.

♡ Of course, so long as you remained an obedient little pet, Dominic would never have to release it to anyone.

♡ The transaction, one which left you breathless and sweltering, finished only when Dominic did. He made sure you were satiated, too, something to think about over the coming weeks as you curated more content for your subscribers, every moment no doubt a reminder of your encounter with him.

♡ Afterwards, he removed himself, though with much hesitance. He’d finally, finally attained that which he wanted most – you – and yet it hadn’t been under the circumstances he’d romanticised for so long.

♡ He tried not to think about it, storing it with the rest of the undesirable humanisms he had locked away elsewhere in his psyche. He focussed only on how explosive it had felt, how…alive he was in comparison to all the other times he’d been with someone, using them as nothing more than a mannequin to pump himself with rather than someone to give himself to.

♡ He let you lie on the floor, a blanket draped over you as he sorted himself out. He clicked the camera off, took out the memory card and kept it firmly attached to his palm – all while you weren’t looking, weren’t listening, senses still dazed with all Dominic had given you, done to you.

♡ As he removed the mask, there was a sheen to his skin and a passive glint in his smile that suggested something inhuman and false about him. Something you discovered too late, it would seem.

-

♡ After that evening, you had no choice but to continue on as if nothing had happened. For so long as Dominic was in possession of that night – that memory card – nothing had. You, of course, knew nothing of the card at first. Not until Dominic had let it slip that the camera had been rolling the entire time.

♡ And still, you didn’t question his use of the mask. The serendipitous timing of it all. You could hardly breathe for the ocean boiling in your stomach, your heart bleaching white and your brain paling as you realised you’d just filmed a sex tape that could ruin not just your life, but Dominic’s too.

♡ Oh, if only you knew just how little Dominic cared.

♡ Dominic told you not to worry, that he’d salvaged the memory card and put it somewhere safe only to now return it to you.

♡ He’d duplicated the video, of course. That, he kept somewhere even safer.

♡ Sure, he’d allowed you to upload it to your account when you asked him with wide eyes, your face blurred and his figure already unrecognisable to any of your simps. You still needed content, after all, so why not profit off your late-night tryst with your neighbour?

♡ Which was what led you to come to him now, eyes downcast as he stood before you, arms crossed, smile ready to split his face in half and reveal the parasites that made up his interior.

♡ The truth you gave him? Your account had garnered a great deal of traction since your…uploaded encounter. About three thousand new subscribers, to be exact.

♡ “Oh?” Dominic offered. “And why are you telling me this, mon Chèr? Do you plan on splitting your earnings with me?”

♡ He graced you with his charm, his humour. Tried keeping the situation light.

♡ A redness rolled across your face. Dominic smiled, slim and sly, and allowed you to foster his silence, his attention.

♡ You suggested filming something else. Something that could make the guilt you felt for your last encounter with him feel half worth it.

♡ Nothing ever would, of course. But you could at least try.

♡ And so began a lustrous alliance between yourself and Dominic, the man who had once been your neighbour, then your employer, now your owner.

♡ He used you as he pleased, donned the mask and bent you over under the guise of being the conduit for your growing fanbase. In reality, the scorching, pulsating, blistering reality you inhabited with him, you were his. His star who he made and will break when he sees fit.

♡ So long as he had that memory card, and the growing catalogue of blackmail you keep adding to in your bid to chase what you thought was the weight of your self-worth in cash, you were his.

♡ Infidelitous, yes. But that mattered little to Dominic. Nothing mattered more now that he had you in his hands, whimpering for him, coming undone for him, all while he maintained the safe anonymity of both his mask and the façade of a loving, caring family man.

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