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Report
Brazil Buy Now Pay Later Business and Investment Opportunities - 75+ KPIs on BNPL Market Size, End-Use Sectors, Market Share, Product Analysis, Business Model, Demographics - Q1 2025 Update
Market Report I 2025-02-10 I 88 Pages I PayNxt360
According to PayNXT360, BNPL payment market in Brazil is expected to grow by 14.0% on annual basis to reach US$4,661.6 million in 2025.
The BNPL market in the country experienced robust growth during 2021-2024, achieving a CAGR of 22.5%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 9.8% during 2025-2030. By the end of 2030, the BNPL sector is projected to expand from its 2024 value of USD 4,089.7 million to approximately USD 7,435.5 million.
This report provides a detailed data-centric analysis of the Buy Now Pay Later (BNPL) industry in Brazil, covering market opportunities and risks across a range of retail categories. With over 75 KPIs at the country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics.
It breaks down market opportunities by type of business model, sales channels (offline and online), and distribution models. In addition, it provides a snapshot of consumer behaviour and retail spending dynamics. KPIs in both value and volume terms help in getting an in-depth understanding of end market dynamics.
PayNXT360's research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities.
Key Insights
The integration of BNPL services with Pix, Brazil's instant payment system, is reshaping the digital payments landscape by offering seamless and flexible installment options for consumers. This development reduces transaction costs for merchants and enhances accessibility, making BNPL a more attractive payment alternative across e-commerce and offline retail. With fintech players like Addi leading the adoption of interest-free Pix installments, the synergy between BNPL and Pix is expected to accelerate adoption rates. As a result, the convenience of real-time payments combined with installment flexibility will likely drive broader consumer engagement and solidify BNPL's presence in Brazil's financial ecosystem.
Beyond digital integration, BNPL providers are also expanding into physical retail and targeting underbanked consumers. Companies such as Provu and Pagaleve are addressing unmet financial needs by offering installment-based credit to shoppers without traditional banking access. The expansion into offline retail ensures consistent payment options across shopping channels, boosting consumer spending and sales conversions. Simultaneously, BNPL's strong growth in e-commerce, fueled by rising digital transactions and consumer demand for flexible payment solutions, is expected to sustain its momentum. Together, these trends indicate that BNPL in Brazil is evolving into a mainstream financial tool, driving financial inclusion and transforming consumer purchasing behavior.
Integration of BNPL with Pix Payment System
- BNPL providers in Brazil are increasingly integrating their services with the country's instant payment system, Pix. This integration allows consumers to make purchases and pay in installments using Pix, enhancing payment flexibility. For instance, fintech firms like Addi have started offering interest-free Pix installments for e-commerce purchases.
- The widespread adoption of Pix, launched by the Central Bank of Brazil in November 2022, has transformed the digital payments landscape. Its real-time transaction capability and growing user base make it an attractive platform for BNPL services. Additionally, the introduction of features like Guaranteed Pix, which allows for installment payments, aligns seamlessly with BNPL offerings.
- The integration of BNPL with Pix is expected to accelerate BNPL transaction volumes, as it lowers transaction costs for merchants and offers consumers greater payment flexibility. This synergy is likely to drive broader adoption of BNPL services across both online and offline retail sectors in Brazil.
Expansion of BNPL Services into Offline Retail
- BNPL providers are extending their services beyond e-commerce into physical retail stores. For example, Brazilian fintech Provu has launched a digital credit point-of-sale (POS) system for brick-and-mortar retailers, enabling customers to make in-store purchases with installment payment options.
- As pandemic restrictions have eased, consumers are returning to physical stores, prompting BNPL providers to capture this market segment. The existing consumer familiarity with installment payments in Brazil makes the offline expansion a natural progression for BNPL services.
- The presence of BNPL options in physical retail is expected to grow, providing consumers with consistent payment flexibility across shopping channels. This expansion will likely increase consumer spending and drive higher sales conversions for retailers.
Targeting the Underbanked Population
- BNPL services are focusing on Brazil's underbanked consumers who lack access to traditional credit products. Fintech companies like Pagaleve are offering installment payment solutions to individuals outside the formal banking system, aiming to enhance financial inclusion.
- A significant portion of Brazil's population remains underbanked due to factors such as informal employment and high banking fees. BNPL providers see an opportunity to fill this credit gap by offering accessible and flexible payment options without the need for credit cards.
- By catering to the underbanked, BNPL services are expected to broaden their customer base and promote financial inclusion. This approach will likely lead to increased adoption of BNPL solutions, contributing to the overall growth of the sector in Brazil.
Growth of BNPL in E-commerce
- The BNPL market in Brazil is experiencing significant growth within the e-commerce sector, driven by increasing consumer demand for flexible payment options. Providers are forming strategic partnerships with online retailers to integrate BNPL services at checkout, enhancing the overall shopping experience. For instance, fintech company ADDI has collaborated with various e-commerce platforms to offer interest-free installment payments through Pix, making it easier for consumers to split their purchases into manageable payments.
- The surge in e-commerce activity, accelerated by the pandemic, has fueled the need for alternative credit solutions, as many consumers seek ways to manage their finances without relying on traditional credit cards. BNPL services address this need by offering a streamlined, low-barrier alternative. As a result, the adoption of BNPL in e-commerce is expected to continue growing, with more retailers integrating these solutions to attract and retain customers. This trend will likely lead to increased transaction volumes and sustained expansion of BNPL in Brazil's digital retail landscape.
Competitive Landscape and Regulatory Developments in Brazil's Buy Now, Pay Later (BNPL) Market
Brazil's BNPL market is undergoing rapid transformation, driven by increasing e-commerce penetration, evolving consumer payment preferences, and growing competition among key providers. Established players such as Cleo, ADDI, and DiniePay are expanding their service offerings, while new entrants are intensifying competition through innovation and strategic partnerships. The integration of BNPL with digital payment systems, particularly Pix, is further enhancing accessibility and adoption across various consumer segments. As BNPL expands beyond e-commerce into sectors like healthcare and travel, the market is set for sustained growth, supported by technological advancements and an increasing focus on consumer convenience.
Over the next few years, Brazil's BNPL landscape will continue evolving, with firms investing in artificial intelligence to refine credit assessment and enhance personalization. The competitive intensity is expected to drive further partnerships between BNPL providers and major retailers, strengthening market penetration. Additionally, regulatory developments, including the introduction of sandbox initiatives and the expansion of the open banking framework, will shape the sector's trajectory by fostering innovation while ensuring consumer protection. As competition heightens, mergers and acquisitions may play a crucial role in market consolidation, allowing larger financial institutions and fintech players to scale their BNPL operations and strengthen their position in Brazil's evolving financial ecosystem.
Current State of the BNPL Market
- Brazil's BNPL sector is growing rapidly, fueled by rising e-commerce activity and consumer preference for flexible payment solutions. The market continues to attract both established players and new entrants, driving increased competition and service innovation.
- The adoption of BNPL is expected to expand across multiple retail categories, supported by evolving consumer spending habits and increasing digital payment adoption. This trend indicates a strong long-term outlook for BNPL in Brazil.
Key Players and New Entrants
- Key BNPL providers such as Cleo, ADDI, and DiniePay continue to expand their services, leveraging installment-based solutions to drive consumer adoption.
- New entrants are intensifying competition, prompting companies like ADDI and DiniePay to innovate and enhance their offerings to maintain market share.
- BNPL providers, including ADDI, are integrating with Brazil's digital payment ecosystem, particularly through Pix, to improve accessibility and streamline transactions.
Recent Launches, Mergers, and Acquisitions
- In recent months, the Brazilian BNPL sector has witnessed significant product launches and strategic partnerships aimed at expanding service offerings and market reach. For instance, firms like ADDI have started offering interest-free Pix installments for e-commerce purchases, leveraging the integration of BNPL schemes into the Pix platform to drive transaction volume.
Anticipated Competitive Dynamics
The competitive landscape of Brazil's BNPL market is expected to intensify, with several key developments anticipated:
- Leading BNPL providers such as ADDI and DiniePay are expected to broaden their service portfolios, targeting underserved regions and expanding beyond traditional retail into sectors such as healthcare and travel.
- Firms like Provu are investing in artificial intelligence and machine learning to refine credit risk evaluation, enabling more personalized and responsible lending solutions.
- BNPL providers are likely to forge partnerships with major retailers and e-commerce platforms. For instance, ADDI's integration with Pix is expected to strengthen its foothold in Brazil's digital payment landscape, while collaborations with merchants will enhance BNPL accessibility.
- As competition intensifies, mergers and acquisitions may emerge as a strategic move for companies seeking scale and efficiency. Larger fintech firms and traditional financial institutions may acquire BNPL startups to expand their service offerings and customer base.
Regulatory Changes
- The Central Bank of Brazil has introduced regulatory sandbox initiatives to foster innovation while ensuring consumer protection.
- Open Banking Framework Expansion: The expansion of the open banking framework aims to democratize financial data, allowing consumers greater control and fostering competition among financial service providers.
- These regulatory changes are designed to promote innovation, enhance consumer protection, and ensure the stability of the financial system as the BNPL market continues to evolve.
1 About this Report
1.1 Summary
1.2 Methodology
1.3 BNPL Definitions
1.4 Disclaimer
2 Brazil Buy Now Pay Later Industry Attractiveness
2.1 Brazil Buy Now Pay Later - Gross Merchandise Value Trend Analysis, 2021-2030
2.2 Brazil Buy Now Pay Later - Average Value Per Transaction Trend Analysis, 2021-2030
2.3 Brazil Buy Now Pay Later-Transaction Volume Trend Analysis, 2021-2030
2.4 Brazil Buy Now Pay Later Market Share Analysis by Key Players, 2024
3 Brazil Buy Now Pay Later Operational KPIs
3.1 Buy Now Pay Later Revenues, 2021-2030
3.2 Buy Now Pay Later Share by Revenue Segments, 2021-2030
3.2.1 Buy Now Pay Later Revenue by Merchant Commission, 2021-2030
3.2.2 Buy Now Pay Later Revenue by Missed Payment Fee Revenue, 2021-2030
3.2.3 Buy Now Pay Later Revenue by Pay Now & Other Income, 2021-2030
3.3 Buy Now Pay Later Active Consumer Base, 2021-2030
3.4 Buy Now Pay Later Bad Debt, 2021 - 2024 - 2030
4 Buy Now Pay Later Spend Analysis by Business Model, 2021-2030
4.1 Buy Now Pay Later Two-Party Business Model, 2021-2030
4.2 Buy Now Pay Later Three-Party Business Model, 2021-2030
5 Buy Now Pay Later Spend Analysis by Purpose, 2021-2030
5.1 Buy Now Pay Later Convenience, 2021-2030
5.2 Buy Now Pay Later Credit, 2021-2030
6 Buy Now Pay Later Spend Analysis by Functional Attribute, 2021-2030
6.1 Buy Now Pay Later by Open Loop System, 2021-2030
6.2 Buy Now Pay Later by Closed Loop System, 2021-2030
7 Buy Now Pay Later Spend Analysis by Distribution Model, 2021-2030
7.1 Buy Now Pay Later by Standalone, 2021-2030
7.2 Buy Now Pay Later by Banks & Payment Service Providers, 2021-2030
7.3 Buy Now Pay Later by Marketplaces, 2021-2030
8 Brazil Buy Now Pay Later Spend Analysis by Sales Channel
8.1 Buy Now Pay Later Market Share by Sales Channel, 2021-2030
8.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2021-2030
8.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2021-2030
9 Brazil Buy Now Pay Later Snapshot by End-Use Sector, 2021-2030
9.1 Buy Now Pay Later Market Share by End-Use Sector, 2024
9.2 Buy Now Pay Later Sales Uplift by End-Use Segment, 2024
10 Brazil Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2021-2030
10.1 Brazil Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis, 2021-2030
10.2 Brazil Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis, 2021-2030
10.3 Brazil Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis, 2021-2030
11 Brazil Buy Now Pay Later Market Size and Forecast by Retail Product Categories
11.1 Buy Now Pay Later Share by Retail Product Category, 2024
11.2 Brazil Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis, 2021-2030
11.3 Brazil Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis, 2021-2030
11.5 Brazil Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis, 2021-2030
11.6 Brazil Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis, 2021-2030
11.7 Brazil Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis, 2021-2030
11.8 Brazil Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis, 2021-2030
11.9 Brazil Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis, 2021-2030
12 Brazil Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2021-2030
12.1 Brazil Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis, 2021-2030
12.2 Brazil Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis, 2021-2030
12.3 Brazil Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis, 2021-2030
13 Brazil Buy Now Pay Later in Travel: Market Size and Forecast, 2021-2030
13.1 Brazil Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis, 2021-2030
13.2 Brazil Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis, 2021-2030
13.3 Brazil Buy Now Pay Later Travel - Transaction Volume Trend Analysis, 2021-2030
14 Brazil Buy Now Pay Later in Media and Entertainment: Market Size and Forecast, 2021-2030
14.1 Brazil Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis, 2021-2030
14.2 Brazil Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis, 2021-2030
14.3 Brazil Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis, 2021-2030
15 Brazil Buy Now Pay Later in Service: Market Size and Forecast, 2021-2030
15.1 Brazil Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis, 2021-2030
15.2 Brazil Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis, 2021-2030
15.3 Brazil Buy Now Pay Later Service - Transaction Volume Trend Analysis, 2021-2030
16 Brazil Buy Now Pay Later in Automotive: Market Size and Forecast, 2021-2030
16.1 Brazil Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis, 2021-2030
16.2 Brazil Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis, 2021-2030
16.3 Brazil Buy Now Pay Later Automotive - Transaction Volume Trend Analysis, 2021-2030
17 Brazil Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2021-2030
17.1 Brazil Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis, 2021-2030
17.2 Brazil Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis, 2021-2030
17.3 Brazil Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis, 2021-2030
18 Brazil Buy Now Pay Later in Others: Market Size and Forecast, 2021-2030
18.1 Brazil Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis, 2021-2030
18.2 Brazil Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis, 2021-2030
18.3 Brazil Buy Now Pay Later Others - Transaction Volume Trend Analysis, 2021-2030
19 Brazil Buy Now Pay Later Analysis by Consumer Attitude and Behaviour, 2021-2030
19.1 Buy Now Pay Later Spend Share by Age Group, 2024
19.1.1 Brazil Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.2 Brazil Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.3 Brazil Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.4 Brazil Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis, 2021-2030
19.2 Buy Now Pay Later Spend Share by Default Rate by Age Group, 2024
19.3 Buy Now Pay Later Share by Income, 2024
19.3.1 Brazil Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis, 2021-2030
19.3.2 Brazil Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis, 2021-2030
19.3.3 Brazil Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis, 2021-2030
19.4 Buy Now Pay Later Gross Merchandise Value Share by Gender, 2024
19.5 Buy Now Pay Later Adoption Rationale, 2024
19.6 Brazil Buy Now Pay Later Market - Spend by Monthly Expense Segments, 2024
20 Further Reading
20.1 About PayNXT360
20.2 Related Research
Table 1: Brazil Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 2: Brazil Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 3: Brazil Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 4: Brazil Buy Now Pay Later - Revenues (US$ Million), 2021-2030
Table 5: Brazil Buy Now Pay Later - Merchant Commission (US$ Million), 2021-2030
Table 6: Brazil Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2021-2030
Table 7: Brazil Buy Now Pay Later Pay Now - Other Income (US$ Million), 2021-2030
Table 8: Brazil Buy Now Pay Later - Active Consumer Base (Thousand), 2021-2030
Table 9: Brazil Buy Now Pay Later - Bad Debt (US$ Million), 2022-2024-2030
Table 10: Brazil Buy Now Pay Later - Two-Party Business Model (US$ Million), 2021-2030
Table 11: Brazil Buy Now Pay Later - Three-Party Business Model (US$ Million), 2021-2030
Table 12: Brazil Buy Now Pay Later - Convenience (US$ Million), 2021-2030
Table 13: Brazil Buy Now Pay Later - Credit (US$ Million), 2021-2030
Table 14: Brazil Buy Now Pay Later - Open Loop System (US$ Million), 2021-2030
Table 15: Brazil Buy Now Pay Later - Closed Loop System (US$ Million), 2021-2030
Table 16: Brazil Buy Now Pay Later - Standalone (US$ Million), 2021-2030
Table 17: Brazil Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2021-2030
Table 18: Brazil Buy Now Pay Later - Marketplaces (US$ Million), 2021-2030
Table 19: Brazil Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2021-2030
Table 20: Brazil Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2021-2030
Table 21: Brazil Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 22: Brazil Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 23: Brazil Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 24: Brazil Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 25: Brazil Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 26: Brazil Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 27: Brazil Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 28: Brazil Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 29: Brazil Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 30: Brazil Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 31: Brazil Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 32: Brazil Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 33: Brazil Buy Now Pay Later Retail Shopping Home Improvement - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 34: Brazil Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 35: Brazil Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 36: Brazil Buy Now Pay Later Travel - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 37: Brazil Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 38: Brazil Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 39: Brazil Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 40: Brazil Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 41: Brazil Buy Now Pay Later Service- Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 42: Brazil Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 43: Brazil Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 44: Brazil Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 45: Brazil Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 46: Brazil Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 47: Brazil Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 48: Brazil Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 49: Brazil Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 50: Brazil Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 51: Brazil Buy Now Pay Later Others - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 52: Brazil Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 53: Brazil Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 54: Brazil Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 55: Brazil Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 56: Brazil Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 57: Brazil Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 58: Brazil Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 1: PayNXT360's Methodology Framework
Figure 2: Brazil Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 3: Brazil Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 4: Brazil Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 5: Brazil Buy Now Pay Later - Market Share Analysis by Key Players (by Value), 2024
Figure 6: Brazil Buy Now Pay Later - Revenues (US$ Million), 2021-2030
Figure 7: Buy Now Pay Later Share - Revenue Segments (%), 2021-2030
Figure 8: Brazil Buy Now Pay Later - Merchant Commission (US$ Million), 2021-2030
Figure 9: Brazil Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2021-2030
Figure 10: Brazil Buy Now Pay Later Pay Now - Other Income (US$ Million), 2021-2030
Figure 11: Brazil Buy Now Pay Later - Active Consumer Base (Thousand), 2021-2030
Figure 12: Brazil Buy Now Pay Later - Bad Debt (US$ Million), 2021-2024-2030
Figure 13: Brazil Buy Now Pay Later Spend Analysis by Business Model (%), 2021-2030
Figure 14: Brazil Buy Now Pay Later - Two-Party Business Model (US$ Million), 2021-2030
Figure 15: Brazil Buy Now Pay Later - Three-Party Business Model (US$ Million), 2021-2030
Figure 16: Brazil Buy Now Pay Later Spend Analysis by Purpose (%), 2021-2030
Figure 17: Brazil Buy Now Pay Later - Convenience (US$ Million), 2021-2030
Figure 18: Brazil Buy Now Pay Later - Credit (US$ Million), 2021-2030
Figure 19: Brazil Buy Now Pay Later Spend Analysis by Functional Attribute (%), 2021-2030
Figure 20: Brazil Buy Now Pay Later - Open Loop System (US$ Million), 2021-2030
Figure 21: Brazil Buy Now Pay Later - Closed Loop System (US$ Million), 2021-2030
Figure 22: Brazil Buy Now Pay Later Spend Analysis by Distribution Model (%), 2021-2030
Figure 23: Brazil Buy Now Pay Later - Standalone (US$ Million), 2021-2030
Figure 24: Brazil Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2021-2030
Figure 25: Brazil Buy Now Pay Later - Marketplaces (US$ Million), 2021-2030
Figure 26: Brazil Buy Now Pay Later - Gross Merchandise Value Market Share by Sales Channel (%), 2021-2030
Figure 27: Brazil Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2021-2030
Figure 28: Brazil Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2021-2030
Figure 29: Brazil Buy Now Pay Later - Market Share by End-Use Sector (%), 2024
Figure 30: Brazil Buy Now Pay Later - Market Share by End-Use Segment (%), 2024
Figure 31: Brazil Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 32: Brazil Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 33: Brazil Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 34: Brazil Buy Now Pay Later - Market Share by Retail Product Category (%), 2024
Figure 35: Brazil Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 36: Brazil Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 37: Brazil Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 38: Brazil Buy Now Pay Later Retail Shopping - Jewellery- Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 39: Brazil Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 40: Brazil Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 41: Brazil Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 42: Brazil Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 43: Brazil Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 44: Brazil Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 45: Brazil Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 46: Brazil Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 47: Brazil Buy Now Pay Later Travel - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 48: Brazil Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 49: Brazil Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 50: Brazil Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 51: Brazil Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 52: Brazil Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 53: Brazil Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 54: Brazil Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 55: Brazil Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 56: Brazil Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 57: Brazil Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 58: Brazil Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 59: Brazil Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 60: Brazil Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 61: Brazil Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 62: Brazil Buy Now Pay Later Others - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 63: Brazil Buy Now Pay Later - Share by Age Group in Value Terms (%), 2024
Figure 64: Brazil Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 65: Brazil Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 66: Brazil Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 67: Brazil Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 68: Brazil Buy Now Pay Later - Share by Default Rate by Age Group in Value Terms (%), 2024
Figure 69: Brazil Buy Now Pay Later - Share by Income Group in Value Terms (%), 2024
Figure 70: Brazil Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 71: Brazil Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 72: Brazil Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 73: Brazil Buy Now Pay Later - Share by Gender in Value Terms (%), 2024
Figure 74: Buy Now Pay Later - Adoption Rationale by Value, 2024
Figure 75: Brazil Buy Now Pay Later - Monthly Expense Segments, 2024
- Not Sure / Need Reassuring
- Confirm Content
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Content is provided by our partners and every effort is made to make Market Report details as clear as possible. If you are not sure the exact content you require is included in this study you can Contact us to double check. To do this you can:
Use the ‘? ASK A QUESTION’ below the license / prices and to the right of this box. This will come directly to our team who will work on dealing with your request as soon as possible.
Write to directly on support@scotts-international.com with details. Please include as much information as possible including the name of report or link so our staff will be able to work on you request.
Telephone us directly on 0048 603 394 346 and an experienced member of team will be on hand to answer.
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- Sample Pages
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With the vast majority of our partners we can obtain Sample Pages to support your decision. This is something we can arrange without revealing your personal details.
It is important to note that we will not be able to provide you the exact data or statistics such as Market Size and Forecasts. Sample pages usually confirm the layout or the Categories included in Charts and Graphs, excluding specific data.
To ask for Sample Pages by contact us through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
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- Check for Alternatives
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Whilst we try to make our online platform as easy to use as possible there is always the possibility that a better alternative has not been found in your search.
To avoid this possibility Contact us through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346 and a Senior Team Member can review your requirements and send a list of possibilities with opinions and recommendations.
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- Confirm Content
- Prices / Formats / Delivery
- Prices
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All prices are set by our partners and should be exactly the same as those listed on their own websites. We work on a Revenue share basis ensuring that you never pay more than what is offered elsewhere.
Should you find the price cheaper on another platform we recommend you to Contact us as we should be able to match this price. You can Contact us though through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
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- Discounts
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As we work in close partnership with our Partners from time to time we can secure discounts and assist with negotiations, this is part of our personalised service to you.
Discounts can sometimes be arranged for speedily placed orders; multiple report purchases or Higher License purchases.
To check if a Discount is possible please Contact our experienced team through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
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- Available Currencies
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Most Market Reports on our platform are listed in USD or EURO based on the wishes of our Partners. To avoid currency fluctuations and potential price differentiations we do not offer the possibility to change the currency online.
Should you wish to pay in a different currency to that advertised online we do accept payments in USD, EURO, GBP and PLN. The price will be calculated based on the relevant exchange rate taken from our National Bank.
To pay in a different above currency to that advertised online please Contact our team and a quotation will be sent within a couple of hours with payment details.
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- Licenses
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License options vary from Partner to Partner as is usually based on the number of Users that will benefitting from the report. It is very important that License ordered is not breached as this could have potential negative consequences for you individually or your employer.
If you have questions or need confirmation about the specific license we recommend you to Contact us and a detailed explanation will be provided.
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- Global Site License
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The Global Site License is the most comprehensive license available. By selecting this license, the Market Report can be shared with other ‘Allowed Users’ and any other member of staff from the same organisation regardless of geographic location.
It is important to note that this may exclude Parent Companies or Subsidiaries.
If you have questions or need confirmation about the specific license we recommend you to Contact us and a detailed explanation will be provided.
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- Formats
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The most common format is PDF, however in certain circumstances data may be present in Excel format or Online, especially in the case of Database or Directories. In addition, for certain higher license options a CD may also be provided.
If you have questions or need clarification about the specific formats we recommend you to Contact us and a detailed explanation will be provided.
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- Delivery
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Delivery is fulfilled by our partners directly. Once an order has been placed we inform the partner by sharing the delivery email details given in the order process.
Delivery is usually made within 24 hours of an order being placed, however it may take longer should your order be placed prior to the weekend or if otherwise specified on the Market Report details page. Additionally, if details have been not fully completed in the Order process a delay in delivery is possible.
If a delay in delivery is expected you will be informed about it immediately.
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- Shipping Charges
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As most Market Reports are delivered in PDF format we almost never have to add additional Shipping Charges. If, however you are ordering a Higher License service or a specific delivery format (e.g. CD version) charges may apply.
If you are concerned about additional Shipping Charges we recommend you to Contact us to double check.
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- Prices
- Ordering
- By Credit Card
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We work in Partnership with PayU to ensure payments are made securely in a fast and effortless way. PayU is the e-payments division of Naspers.
Naspers operates in over 133 International Markets and ranks 3rd Globally in terms of the number of e-commerce customers served.
For more information on PayU please visit: https://www.payu.pl/en/about-us
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- By Money Transfer
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If you require an invoice prior to payment, this is possible. To ensure a speedy delivery of the Market Report we require all relevant company details and you agree to maximum payment terms of 30 days from receipt of order.
With our regular clients deliver of the Market Report can be made prior to receiving payment, however in some circumstances we may ask for payment to be received before arranging for the Market Report to be delivered.
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- By Credit Card
- Security
- Website security
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We have specifically partnered with leading International companies to protect your privacy by using different technologies and processes to ensure security.
Everything submitted to Scotts International is encrypted via SSL (Secure Socket Layer) and all personal information provided to Scotts International is stored on computer systems with limited access in controlled environments.
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- Credit Card Security
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We partner with PayU (https://www.payu.pl/en/about-us) to ensure all credit card payments are made securely in a fast and effortless way.
PayU offers 250+ various payment channels and eWallet services across 4 continents allowing buyers to pay electronically, whether on a computer or a mobile device.
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- Website security