Buy now pay later (BNPL)

Buy Now, Pay Later (BNPL) is a payment method that allows customers to purchase goods or services upfront and pay in installments over time without a credit card, often interest-free. BNPL solutions empower businesses to offer flexibility at checkout, increasing sales and customer satisfaction. This payment model is gaining momentum globally, with Latin America, Asia, and Africa leading the charge in adoption.

BNPL is particularly impactful in emerging markets where credit card penetration is low and consumers are looking for accessible ways to make purchases without financial strain.

Most used options

Payflex
Atome

How BNPL works

BNPL solutions are simple and customer-friendly. Here’s how it works:

Choose BNPL at checkout: Customers select BNPL as their payment method when completing a purchase.

Select installment plan: Flexible options allow customers to choose the number of installments that suit their budget.

Complete the purchase: Customers make their first payment at checkout, and future payments are automatically scheduled.

Merchant gets paid upfront: dLocal processes the payment and settles funds to the merchant immediately.

Benefits of accepting BNPL for your business

BNPL solutions provide a win-win for businesses and consumers, driving conversions while offering financial flexibility to customers.

Increased sales

BNPL reduces barriers to purchase by offering installment payments, leading to higher cart sizes and better conversion rates.
Appeal to a wider audience

Make your products and services accessible to unbanked or underbanked populations in emerging markets.
Improved cash flow

Merchants receive funds upfront while customers enjoy the flexibility of deferred payments.
Reduced risk

With dLocal’s platform, merchants are shielded from payment defaults as risks are managed by BNPL providers.
Higher customer retention

Flexible payment terms encourage loyalty and repeat purchases.