Top 50 Bnpl Platform in Latin America

Aplazo is a payment network that enables consumers to make purchases by paying only 20 upfront and financing the remaining balance in installments, without the need for a credit card. This approach addresses the challenge of high upfront costs for consumers, allowing merchants to increase sales and enhance customer loyalty.

Pagaleve offers a Buy Now Pay Later solution that allows consumers in Brazil to make purchases and pay in installments via Pix, eliminating the need for credit cards and their associated high-interest rates. This technology not only enhances consumer purchasing power but also provides retailers with a new payment method that can significantly increase sales and reduce transaction costs.

The startup operates an online payment platform that enables users to make secure transactions for services such as utility bills and entertainment through credit and debit cards, bank transfers, and digital wallets. By providing a reliable payment alternative, the platform simplifies the process of managing multiple payment types in one location.

Addi provides a digital payment platform that allows consumers in Latin America to make purchases at over 13,000 partner brands and pay in up to 24 installments using just their ID and WhatsApp. This service addresses the challenge of limited access to flexible payment options, enabling users to shop conveniently and transparently without being tied to traditional credit card processes.

Dinie provides embedded lending services for B2B platforms, enabling businesses to offer customized credit products and payment solutions to their clients without the need for banking infrastructure. By leveraging a simple API integration, Dinie allows partners to enhance customer engagement and generate new revenue streams through accessible financing options.

The startup operates a financial platform that enables B2B SaaS startups to extend their operational runway and finance customer acquisition costs without equity dilution. By providing tailored financial solutions, the platform allows these companies to maintain control over their growth trajectory while optimizing resource allocation.

Provu is a fintech company that offers an online payment platform providing credit and loan facilities to consumers and businesses. By streamlining access to financing, Provu addresses the challenge of securing timely funding for purchases and investments.

The startup offers a white-label banking platform that enables non-financial businesses to provide customized financial services, including account management, deposits, and foreign exchange transactions, under their own brand. This platform enhances brand recognition and credibility while allowing companies to optimize their profitability through integrated financial solutions.

Barte is a B2B online payments platform that automates payment processing through a unified interface, enabling businesses to accept various payment methods, including card transactions, PIX, and boleto. The platform addresses low approval rates and complex payment procedures, offering up to 97% approval on card transactions and flexible installment options of up to 21 times, enhancing cash flow and customer satisfaction.

Kontempo is a B2B payments and credit platform that enables industrial businesses to offer their clients flexible payment options, including credit, through a branded online interface. By automating credit assessments and collections, Kontempo reduces the operational burden on companies while minimizing financial risk and improving cash flow.

The startup offers an online credit platform that digitizes loan financing for various needs, including car maintenance, business investments, and home improvements. By providing tools to manage overdraft and revolving credit card debt, the platform enables users to lower their financial burdens and access fair loan rates.

Bankme operates a technology platform that enables users to establish mini banks for offering loans and receivables advances without the complexities of operational and financial management. This solution addresses the need for streamlined access to credit products, allowing businesses to enhance their financial offerings and capitalize on market opportunities.

Slice provides flexible payment plans and processes transactions for consumers, allowing them to manage loan payments with clear terms. The platform addresses the need for accessible financing options while transparently outlining any associated fees.

Nelo provides a digital credit platform that enables consumers in Latin America to obtain immediate credit approvals and manage payments for services and purchases through a user-friendly app. By offering flexible repayment options and transparent terms, Nelo enhances consumers' purchasing power while helping them improve their credit history.

Creditop provides a multi-lender payment platform that connects merchants with various financing options for their customers, facilitating credit sales at both physical and digital points of sale. This solution streamlines the financing process, allowing merchants to track real-time credit requests and payment reconciliations, ultimately enhancing sales efficiency.

This startup offers a digital-native fintech platform that facilitates microcredit and payment transactions in Brazil, specifically through the PIX payment system. By providing digital salary advances and customizable withdrawal limits, the platform enables users to manage their cash flow and make purchases at any merchant accepting PIX.

RecargaPay is a payments superapp that integrates credit and debit card processing, instant payment methods like Pix, and Open Finance to facilitate seamless financial transactions for over 7 million users in Brazil. The platform provides essential services such as bill payments, mobile top-ups, and loans, catering to both banked and unbanked populations while enhancing accessibility and affordability in mobile payments.

Tino is a B2B payments platform that provides SMB retailers with flexible payment options, allowing them to purchase from suppliers and defer payments while managing their cash flow effectively. By aggregating invoices into a single payment and offering extended credit terms, Tino simplifies financial management for small businesses.

The startup offers a purchase credit platform that provides low-income consumers without bank accounts access to credit at retail points of sale, eliminating hidden fees and high interest rates. This enables consumers to achieve personal financial goals while allowing retailers to offer a secure, risk-free payment alternative.

Apurata offers a digital platform that provides quick, unsecured personal loans ranging from S/100 to S/1,000, with funds disbursed to bank accounts in as little as 29 minutes. This service addresses the financial needs of 200 million underbanked Latin Americans by enabling immediate access to credit without the requirement of collateral or upfront payments.

Cayena is a B2B marketplace that enables restaurants to procure inventory from over 100 qualified suppliers through a digital catalog, facilitating orders in under five minutes. The platform addresses the challenges of inefficient procurement processes by offering next-day delivery and flexible payment terms, allowing restaurants to streamline their supply chain and reduce costs.

Elenas is a social commerce platform that enables micro-entrepreneurs in Latin America to launch online stores without upfront investment or inventory management. The platform facilitates online payments and logistics, allowing sellers to focus on sales while receiving weekly payouts directly to their accounts.

The startup operates a fintech platform that utilizes artificial intelligence and statistical models to match sales partners with optimal consortium products based on customer preferences, budget, and timing. This approach enables customers to access tailored financing options, enhancing their decision-making process and increasing the likelihood of achieving their financial goals.

Bipa allows users to buy and sell Bitcoin starting from R1 using the Pix payment system and the Lightning Network, enabling low-cost and rapid transactions. The platform lowers the financial barrier for individuals interested in cryptocurrency trading, facilitating access without requiring significant upfront investment.

The startup operates an online earning platform that connects users with wholesale shopping opportunities, eliminating delivery costs and order management hassles through integration with popular social media channels. This platform enables individuals to generate income without any upfront investment, addressing the need for accessible earning methods in a digital marketplace.

Klubi is a digital consórcio platform that simplifies access to credit through a fully online, transparent process, allowing users to plan their purchases with fixed monthly payments and no hidden fees. As the first digital consórcio authorized by the Central Bank of Brazil, Klubi addresses the challenges of credit accessibility in Brazil by providing a straightforward and secure way for individuals to achieve their financial goals.

FitBank is a Banking as a Service platform that provides a cloud-native infrastructure and proprietary APIs for companies to implement payment solutions, including PIX integration and credit services. This technology enables businesses to operate as financial institutions, enhancing transaction efficiency and reducing reliance on intermediaries.

Autonomia financeira pra quem é jovem.nZ1 offers a digital banking platform designed specifically for young users, providing features such as budgeting tools and savings accounts to promote financial independence. The platform addresses the lack of accessible financial services for youth, enabling them to manage their finances effectively and build savings from an early age.

Rebornpay offers an API-first payment infrastructure for businesses scaling online sales, providing intelligent retry logic, automated reconciliation, and split payment capabilities. The platform streamlines payment processing and financial workflows, enabling greater control and stability for digital businesses.

The startup operates an online marketplace that provides small and medium merchants with payment processing, credit options, and access to distributor pricing. This platform enables suppliers to efficiently connect with customers, enhancing sales opportunities and market reach for smaller businesses.

Rappi Bank is a digital banking platform that provides a payment gateway enabling e-commerce businesses to accept credit, debit, and Pix payments through a simple integration with platforms like WooCommerce. The service offers same-day receivables and transparent transaction fees, addressing the cash flow challenges faced by online sellers.

The startup develops financial software that facilitates direct negotiations for credit and flexible benefits, enabling employers and employees to access transparent and low-fee offerings. Its platform eliminates bureaucratic barriers, allowing clients to advance their credit efficiently and inclusively.

Flip Saúde provides a financial management platform that integrates payment solutions, such as installment billing and credit options, with patient data to enhance transaction accuracy in healthcare settings. This technology minimizes administrative errors and accelerates payment processing, enabling clinics to increase the number of procedures performed.

The startup provides a financial services platform that enables businesses to access credit based on revenue performance, ensuring cash flow remains intact. By utilizing data from digital marketing campaigns, the platform enhances sales volume and user acquisition for entrepreneurs.

The startup offers a financial platform that enables businesses to manage recurring payments and subscriptions through online authorization of Payment Authorization Codes (PACs) using integrated code solutions. By collaborating with industry leaders, the platform provides transparency and efficiency in financial operations, addressing the complexities of subscription management and payment processing.

Lend provides a platform that allows companies to use credit and debit card receivables as collateral for credit transactions, enhancing payment security and reducing default risk. By automating the warranty process, Lend enables efficient debt recovery and credit analysis, leveraging Brazil's $700 billion annual card payment market.

A55 provides a financial underwriting platform that enables small and medium businesses to access working capital based on their recurring revenue without requiring financial guarantees. By automating billing file submissions, the platform offers faster payment processing and flexible credit lines, helping businesses meet their cash flow needs efficiently.

Bando provides a web3 spending protocol that allows users to transact with over 2,000 tokens across 30,000 products and services in more than 110 countries, eliminating the need for fiat currency. By integrating Bando's customizable widget or API, businesses can enhance their DeFi applications and offer seamless token spending experiences to their users.

Baaskit provides a customizable financial services infrastructure that enables businesses to offer integrated payment systems, digital wallets, and personalized credit and insurance solutions without needing a banking license. This technology allows companies to enhance customer loyalty and streamline financial transactions, addressing the challenge of limited access to comprehensive financial services for their clients.

The startup offers a fintech platform that enables micro, small, and medium-sized enterprises to accept digital payments through payment links, QR codes, and mPOS solutions without incurring rental or monthly fees. This approach simplifies payment management for businesses, enhancing their operational efficiency and cash flow.

Vanq is a payments platform that enables users to combine the credit limits of multiple cards to pay bills, allowing for flexible payment options and installment plans of up to 12 months. This technology addresses the challenge of managing multiple credit cards by simplifying transactions and maximizing available credit for various payment needs.

Bull Banker is a platform that connects businesses to optimal credit solutions by utilizing data intelligence to analyze their financial needs and streamline documentation processes. This service addresses the challenge of accessing diverse financing options, enabling companies to secure the necessary capital to achieve their growth objectives.

The startup operates a financial technology platform that simplifies digital financial services in Latin America, enabling users to perform transactions, manage budgets, and access credit through a secure interface. By addressing the complexities of traditional banking, the platform enhances accessibility and efficiency for users seeking to manage their finances effectively.

This startup operates a credit and financing platform that enables users to compare loan options from various banks and fintechs through a transparent simulation tool. By providing free, relevant financial content, the company empowers consumers to make informed borrowing decisions while enhancing competition in the credit market.

The startup offers a finance credit operations platform that enables startups and non-financial companies to access customized financing options and streamline their credit management processes. By reducing bureaucratic hurdles and simplifying transactions, the platform enhances financial efficiency for users and customers.

BioCredit is a digital platform that enables real-time financing for consumer purchases by connecting retailers and financial institutions through an integrated payment solution. This service provides users with immediate credit access, allowing transactions without upfront payment and enhancing the overall buying experience.

The startup offers a finance management platform that integrates accounting, inventory management, and payroll functionalities while providing partial payment options for customers. This solution enables businesses to enhance product affordability through installment payment features, addressing cash flow challenges and improving sales conversion rates.

The startup offers a credit platform that utilizes real-time data analysis to facilitate online loan applications for businesses. By integrating customer background checks and documentation analysis, the platform enables entrepreneurs to secure working capital quickly and efficiently.

This platform enables users to easily create online stores and sell products through dropshipping, leveraging social commerce features to expand reach. It simplifies the process of starting an online business by handling inventory and shipping logistics.

MO Tecnologies offers a cloud-native credit management platform that enables issuers to launch, operate, and scale various credit products with over 200 configurable parameters. The platform addresses the limitations of traditional banking systems by providing a flexible infrastructure that enhances operational efficiency and customer experience in the credit industry.