If you used the first gen "pay later" services they'd scrape you for "compliance checking" or simply mask it as a transaction which is actually just personal information scraping.

Most of the times you did not see it, as it's obfuscated as a part of the transaction.

They are also the companies complaining a lot about the "failure" of the PSD standards since it limits how much and how obfuscated they can scrape everything (and there are records).