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"A credit card" "This is not BNPL"

Explain the difference? The only functional difference in the model is that BNPL is distributed and offered at the point of checkout, credit cards traditionally are issued in advance to a customer (and have been for nearly 100 years, normally in plastic). But those lines are blurring.

Newpay is offered and applied for at checkout, which is no different to any other BNPL button. Your statement is wrong. The fact it supports multiple purchases is simply a benefit to the consumer - and exactly what Klarna wants to do and is doing with customers using its BNPL button.