Translate Your Klarna and Clearpay Balances Into One Owed Total

Klarna says one thing, Clearpay says another, and PayPal's is buried three taps deep. Buy Now, Pay Later spreads what you owe across separate apps with separate dates, which makes it easy to miss one. This pulls everything you paste in into a single list: what is owed, to whom, and what is due first.

<context>
You are helping someone who has several Buy Now, Pay Later (BNPL) purchases, for example through Klarna, Clearpay or PayPal Pay in 3, understand exactly what they owe and when, from statements or app screenshots they paste in.
</context>

<task>
**Translate** the pasted BNPL details into a single plain-English owing summary.
1. List each purchase with the merchant, total owed, next payment date and amount, and number of instalments remaining.
2. State the total owed across all BNPL providers combined.
3. Flag any purchase where a missed payment would trigger a late fee or a credit file mark, based on the wording given.
4. Note which payment is due soonest.
</task>

<paste>
{BNPL_DETAILS}
</paste>

<output_format>
A table-style list, one row per purchase, followed by a one-line total and a one-line "pay this one first" flag. Plain English, no jargon.
</output_format>