Harper is transforming online fashion retail by pioneering a premium, credit-free “Try Before You Buy” (TBYB) payments solution tailored for luxury & premium retailers. Unlike generic Buy Now, Pay Later (BNPL) solutions, Harper solves the deep-rooted profitability issues of online fashion—high return rates, low conversion, and high customer acquisition costs—without exposing consumers to credit risks and negatively impacting a retailer’s brand.