BNPL payment providers
BNPL: companies, offers and requests that work with this method.
Brazilian course creator leaves Hotmart and seeks a gateway with installments
A Brazilian online course author is developing a course-hosting app as a Hotmart alternative after working on that platform before. The new platform needs a payment gateway with methods Brazilian…
Looking for:Payment providers
TODA PAY seeks APM partners in Europe, APAC and the Gulf
TODA PAY is looking for PSPs and acquirers to connect alternative payment methods across three regions. The list is specific, ranging from Klarna and Bizum in Europe to MADA and STCPay in Saudi…
Looking for:Payment providers
PagPlan seeks companies to offer bill and debt payments by card in instalments
The PagPlan partner program targets Brazilian companies whose customers regularly pay bills, taxes or outstanding debts. The partner adds card payment to its service, and PagPlan processes the…
Looking for:Payment providers
US online store wants a hosted cart with payments and Klarna
A US store selling physical products needs a hosted cart with Klarna that can go live without developers. The author is after an all-in-one setup: cart, payment processing and instalments in a single…
Looking for:Payment providers
Bull City Boudoir photo studio seeks a Square replacement
Bull City Boudoir, a photography studio in Durham, North Carolina, is looking for a Square replacement for a photography studio. One provider should cover several flows: in-person mobile sales…
Looking for:Payment providers
Small travel agency looks for an online gateway with installments
A developer building a website for a small travel agency is looking for an installment payment gateway. The agency's customers should pay for trips by card online and, if they want, split the amount…
Looking for:Payment providers
Dubai e-trader licence holder looks for a gateway with no monthly fee
A newly registered online venture in Dubai needs a gateway with no monthly fee. The owner says the business holds an e-trader licence from Dubai's Department of Economy (DED) and wants Tabby or…
Looking for:Payment providers
Seeking a direct PSP or acquirer for local methods in Korea, Japan, Australia and the EU
Itika M is looking for a direct PSP for local methods across several regions at once: South Korea, Japan, Mongolia, Australia, New Zealand and the European Union. The request was published in October…
Looking for:Payment providers
By country
What BNPL is
Buy now, pay later lets a customer split a purchase into instalments while the merchant is paid upfront (minus a fee) by the BNPL provider. The provider takes the credit and collection risk. Models range from "pay in 4" interest-free splits to longer financing plans, and in some markets — notably Brazil — card instalments (parcelado) play a similar role through the acquirer rather than a separate lender.
Who uses BNPL
- E-commerce with mid to high average tickets: fashion, electronics, furniture, travel.
- Education and courses, where instalments make a higher price acceptable.
- Services booked in advance.
BNPL is rarely available for high-risk verticals such as iGaming, adult or forex; providers usually restrict both MCC and product type.
Merchant fees and settlement
The merchant fee is generally higher than standard card processing because it covers the credit risk and marketing benefit. Settlement is typically a few days after the order or shipment. Refunds are passed back through the provider, which then adjusts the customer's plan. Disputes are handled under the provider's rules rather than card scheme chargebacks.
How to accept BNPL payments
- Directly with a BNPL lender (separate contract and integration).
- Through a PSP or aggregator that includes BNPL in one checkout.
- Via a cashier or orchestration layer that routes to local instalment options by country.
What to check
- Ticket limits (minimum and maximum order value) and eligible GEOs.
- Who bears the risk of non-payment and how returns affect payouts.
- Customer approval rate at checkout and how declines are shown.
- Branding requirements and on-site messaging rules.
{count} companies here support BNPL. See BNPL in Brazil, recurring payments, payment links and local payment methods. Offers tab has published terms; or post a request.