Top 50 Bnpl Platform in LATAM

dapp® provides a nationwide network that lets merchants accept a wide range of digital and cash‑based payments through a single API, SDK, or plug‑and‑play POS solution. The platform supports QR‑code, push‑notification, payment‑link, e‑wallet, CoDi® transfers, BNPL and cash‑in/cash‑out at over 40,000 retail locations, offering real‑time settlement, unified reporting and zero chargeback risk for cash transactions.

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.

The startup offers a financial platform that analyzes sales history to identify growth potential and provides performance-based credit to clients. This model enables businesses to access capital for sales advancement in exchange for a share of their revenues until the capital is repaid, plus a fixed service fee.

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.

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.

The startup offers a microcredit application that enables customers to make purchases at informal corner stores by scanning QR codes to access product details and authorize transactions. By providing credit lines to both corner stores and their customers, the application facilitates immediate purchases with deferred payment options, addressing the lack of accessible credit in underserved retail environments.

The startup offers a financial services platform that enables micro, small, and medium-sized enterprises to access prepayment of receivables through Credit Rights Investment Funds (FIDCs) and securitization companies. By providing guaranteed working capital and financial management tools, the platform helps businesses improve cash flow and enhance their competitive position in the market.

Zippi offers a digital credit platform that enables microentrepreneurs in Latin America to access instant capital through the Pix payment system, allowing them to pay suppliers immediately and manage weekly repayments. This service addresses the need for flexible cash flow solutions, empowering small business owners to enhance their purchasing power and operational efficiency without the constraints of traditional credit cards.

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.

Kueski is a Mexican fintech that offers fully digital personal loans of MXN 200‑26,000 with instant approval and flexible repayment, using encrypted data and regulator‑approved credit scoring. It also provides Kueski Pay, a buy‑now‑pay‑later service that lets consumers shop online or in‑store without a credit card while merchants receive immediate payment and avoid charge‑backs.

Credix offers an embedded B2B credit platform that lets merchants extend instant financing at checkout through API‑driven integration. The service automates underwriting to approve credit in under two minutes, transfers the credit risk to Credix, and provides real‑time dashboards so sellers can boost order values while protecting their margins.

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.

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.

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.

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.

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.

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.

Ximple provides working capital financing to small businesses through a credit line accessible via a dedicated card. This service allows merchants to easily purchase inventory and offers flexible repayment schedules tied to weekly fixed payments. The platform aims to simplify access to credit, enabling business owners to maintain stock and support growth.

UY3 offers an embedded finance platform that streamlines the entire credit lifecycle for businesses, enabling electronic contract issuance, rapid account opening, and multi‑account management in a single dashboard. The solution includes a dedicated payment wallet, instant boleto registration with 20‑minute confirmation, and comprehensive risk and compliance tools such as KYC, antifraud, SCR checks, and credit scoring, allowing fintechs, retailers, marketplaces, and SMEs to launch credit products quickly without traditional banking bureaucracy.

Konfío provides Mexican micro, small and medium enterprises with a unified financial platform that combines an instant‑approved credit line (up to MXN 5 million), an enterprise credit card that can convert part of the line into SPEI transfers and defer purchases, and low‑cost payment terminals. All services are managed through a single mobile app that aggregates transactions, generates instant payment links and automates reconciliation, helping businesses improve cash flow and reduce administrative overhead.

Clip provides a cloud‑native commerce platform for Mexican SMEs that combines Bluetooth‑enabled POS terminals with a SaaS dashboard for real‑time payment processing, analytics, inventory tracking, and automated reconciliation. The solution supports card, QR‑code and digital‑wallet payments, offers 24‑hour settlement and on‑demand working‑capital loans, and includes developer APIs for integration with online and mobile checkout flows.

Mycon is a fully digital consortium management platform that offers a unique "Paga Metade" payment structure, allowing users to pay only 50% of their monthly installments until they are awarded their asset. This approach simplifies the acquisition of goods and services through a transparent, low-cost financing solution with a fixed 9.99% fee, making it accessible for individuals looking to transition from renting or upgrade their vehicles.

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.

This startup operates a motorbike rental platform that finances used motorcycles for gig workers, facilitating access to micro-mobility vehicles. By purchasing second-hand motorcycles and offering financing options, the company addresses the financial exclusion faced by individuals outside traditional banking systems.

Destacame is a Chilean digital platform that helps consumers identify and settle delinquent debts by negotiating discount offers—often up to 95% off—and providing a 24/7 virtual assistant, Sofi, for personalized payment planning and reminders. After debt clearance, the service cleans users' commercial reports, builds a positive credit history, and offers access to micro‑loans and other financial products up to $400,000 through partnered lenders.

The startup operates an end-to-end financial ecosystem platform that integrates point-of-sale systems, e-commerce transactions, and PIX payments into a single interface. This platform simplifies financial management for business owners by enhancing transaction security and streamlining payment processes.

Klubi provides a digital platform for managing and acquiring consortium plans for vehicles, real estate, motorcycles, and travel. The service emphasizes simplicity, transparency regarding fees, and streamlined processes compared to traditional consortium models. As a fintech authorized by the Central Bank, Klubi offers accessible credit solutions with low monthly payments.

Pagaleve is a payment institution providing "Pix Parcelado," allowing consumers to split payments made via Pix into installments at partner e-commerce stores. This service offers consumers a way to purchase goods without a credit card, facilitating installment purchases across numerous retail segments. Merchants benefit from an integrated payment solution that offers fast approval times and supports increased conversion rates.

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.

QI Tech provides a fintech platform with APIs that enable businesses to create and manage financial products, including credit issuance, digital banking, and fraud prevention tools. This infrastructure streamlines the financial service delivery process, allowing companies to enhance customer engagement and operational efficiency.

Clara is a business payments platform in Latin America that offers a digital credit card solution, real-time expense tracking, and AI-driven financial management tools. It addresses the need for efficient expense management and liquidity by enabling companies to create virtual cards, manage approvals, and pay providers using a credit line.

Handy provides an integrated suite of financial technology solutions designed to simplify daily business management for merchants. Their offerings include various payment processing methods such as POS terminals, QR codes, online payment gateways, and automated recurring billing via direct debit. Additionally, the platform supports business growth through electronic invoicing, inventory management, instant sales settlement (Handy Flash), and access to small business financing (Pym loans).

Divibank offers Divibank Pay, a payment orchestration platform for Brazilian merchants that aggregates multiple acquirers to boost approval rates and lower per‑transaction fees. The service provides automatic payment retentives, instant payment links, a unified checkout supporting card, PIX and boleto, real‑time analytics, and optional credit‑line advances on card receivables, with integrations via API and plugins for major e‑commerce platforms.

Nuqlea is a fully digital marketplace that connects construction material manufacturers and distributors with builders, offering integrated financing through partner banks such as Banco Galicia. The platform lets sellers list products, set payment terms up to 120 days or 12 installments, and receive immediate cash, while buyers can secure materials, lock prices with tokenized “acopios”, and have orders delivered without upfront payment. By streamlining procurement, financing, and logistics, Nuqlea reduces credit risk, improves cash flow, and accelerates project timelines.

The startup provides a trade credit guarantee technology that utilizes credit card receivables as collateral to manage credit risk for suppliers selling to retailers. This approach reduces financial friction, increases sales opportunities, and enhances the payment experience by enabling clients to access credit more effectively.

The startup offers an automatic bill-splitting application that utilizes a shared digital wallet and electronic payment systems to facilitate simultaneous group payments. Users can pay a single bill while the platform automatically divides the costs among participants, eliminating the hassle of manual calculations and transactions.

Kab is a mobile‑first financial platform that offers a fee‑free digital bank account combined with an on‑demand credit line. Users can access a virtual single‑use card, withdraw cash, and repay in flexible bi‑weekly installments, while also sending instant peer‑to‑peer transfers via username, phone number, or QR code and paying utilities with one‑tap barcode scans. Real‑time balance updates, spending limits, and biometric security help control spending and protect against fraud, and instant cash‑back rewards encourage continued use.

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.

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 financial platform that provides property-backed loans with flexible repayment options, allowing borrowers to select their installment due dates and skip payments without incurring additional fees. This approach addresses the need for customizable mortgage solutions, enabling customers to manage their loan payments according to their financial circumstances.

Creizer offers flexible financing solutions for online regional sellers by providing customized payment plans based on their sales performance. This approach addresses the challenge of cash flow variability, allowing sellers to make payments that align with their revenue, thereby supporting business growth without fixed repayment obligations.

The startup provides white-label financial services that enable companies to offer prepayment and credit solutions secured by receivables. By specializing in card customization and internet banking systems, it allows businesses to implement their own acquiring modules, enhancing operational flexibility and market competitiveness.

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.

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 an online platform for the buying and selling of cryptocurrencies, including game-based, metaverse, and DeFi tokens, through a secure wallet interface. This platform enables users to efficiently manage their digital assets by facilitating direct transactions and storage without the need for third-party exchanges.

KrediYA provides alternative financing solutions for individuals and small to medium-sized enterprises (SMEs) seeking loans for technology purchases, such as smartphones and laptops, without the need for traditional credit checks or extensive documentation. By offering fixed bi-weekly payment plans, KrediYA enables customers with limited credit history or financial instability to access essential digital devices, enhancing their connectivity and productivity.

Click Cash is a mobile app that provides fast and secure personal loans in emerging economies by utilizing Open Banking and advanced data analysis techniques. The platform addresses the lack of accessible credit options for individuals in these markets, enabling them to obtain loans quickly and efficiently.

Wibond is a fintech platform that enables consumers to make installment payments at participating retailers without requiring a credit card. By providing flexible payment plans, Wibond addresses the challenge of limited access to credit for individuals who prefer or need alternative financing options.