Online transactions for FlexiGroup's buy now pay later brand humm grew by 285 per cent during the March quarter - further evidence of the big shift to online sales during COVID-19 social distancing.humm was launched in May last year, after FlexiGroup consolidated its Certegy EziPay and OxiPay businesses, which had been in the market for many years.humm's main difference from BNPL rivals such as Afterpay is that consumers can use it to make purchases up to A$30,000.FlexiGroup has a wide range of merchant partners but has concentrated on solar, healthcare and home improvement, which is describes as "resilient verticals".The company said in an update yesterday that it was offering "an accommodating hardship approach" but it is also tightening spending limits and targeting limit reductions in its cards and BNPL portfolios.It has reintroduced first instalment payments upfront for all BNPL purchases, a move that Afterpay has also made.It has also raised credit cut-off scores and increased income and serviceability thresholds.Its net loss as a proportion of average net receivables was 3.9 per cent in the March quarter, an increase of 10 per cent over the previous corresponding period. The company said transaction volumes were more subdued in early April as the community adjusts to social distancing and discretionary retail spending drops off.It has $550 million if undrawn committed wholesale funding facilities and a total of more than $100 million in undrawn corporate debt facilities and cash.It is in discussion with the Australian Office of Financial Management to tap the Structured Finance Support Fund.