BNPL Fuse
Fuse smarter to grow faster Built to reach the 500M+ buyers credit cards miss. Wired to drive better conversion with every payment, for every merchant.
From access
to performance
Connecting you to the best local providers was step one.
Step two is making every connection convert better.
The opportunity
The opportunity was always there. It just needed a fuse.
Across emerging markets, credit card penetration sits at 18-20% on average. For the hundreds of millions of consumers outside that credit system, a checkout with no flexible payment option is a dead end.
Up to 66% of carts are abandoned when no installment option is available.
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Businesses in these fast-growing
markets know the challengeMost stop at card-only — not because they don't see the opportunity, but because going beyond it is harder than it looks.
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The infrastructure wasn't
built to scaleAdding every new BNPL provider means a separate integration, contract, and compliance process. And even once it’s live, checkout flows leak conversion adding redirects and friction, and refund policies break down at the edges.
BNPL Fuse connects merchants to the leading local providers through a single integration and learns from every transaction to drive higher conversion.
Close the gapSame integration. New capabilities. A lot going on underneath.
- Coverage
All key markets and the right providers into one place.
BNPL Fuse connects merchants to leading local providers across Africa & the Middle East, Asia and Latin America. All through a single API, one contract, and one compliance layer to all needed licenses and entities. No separate buildouts. No market-by-market negotiations.
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Live markets:
- Argentina
- Brazil
- Colombia
- Egypt
- Malaysia
- Mexico
- Saudi Arabia
- South Africa
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Coming soon:
- Chile
- UAE
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- Intelligence
Connected isn’t enough.
It has to perform.Most BNPL aggregators stop at the connection. BNPL Fuse goes further, actively improving conversion from the first moment a buyer considers paying to the moment the transaction completes.
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Shared payer signals
Enriched transaction data feeds back to every provider in the network, not just one. Credit decisions get better, resulting in higher approvals and lower defaults across every merchant.
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Pre-eligibility screening
Only eligible buyers see BNPL as an option at checkout, meaning fewer rejections and a cleaner experience at at the moment of payment.
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Upstream messaging
BNPL Fuse surfaces installment pricing on product pages, in cart, and during browsing, keeping high-intent buyers moving toward conversion before checkout friction ever becomes a factor.
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Checkout optimization
We work directly with each BNPL partner to eliminate friction that costs conversion: redirect failures, multi-login flows, device-specific drop-offs.
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- Compliance
Zero lending risk.
No compliance fragmentation.BNPL Fuse centralizes refunds, compliance workflows, and operational standards across every provider and market. Local partners absorb credit and fraud exposure, while merchants scale internationally through a single integration.
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One refund policy, everywhere
BNPL Fuse orchestrates full and partial refunds across every provider through a single API. No manual reconciliation, no exceptions per market, no compliance gaps.
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Zero credit exposure
Local providers absorb 100% of credit and fraud risk. You expand reach and revenue, always settling upfront with no lending exposure.
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Argentina
Brazil
Colombia
Egypt
Malaysia
Mexico
Saudi Arabia
South Africa
Chile
UAE
Real results in
South Africa
For its BNPL integration, our merchant has seen a significant conversion uplift and higher ticket sizes
Conversion uplift after BNPL checkout optimization.
Ticket sizes across live merchants higher with BNPL than cards.
Subscriptions without the renewal risk
Billing cycles in emerging markets are fragile 
Renewals fail 
Currencies shift 
Cards decline 
Churn compounds monthly
With BNPL Fuse, your buyers pay in installments, once.
You collect the full amount upfront. The provider absorbs the credit and fraud risk, always.
See how it works100%
of annual contract value collected on day one
Zero
renewal friction, failures and lending exposure
One approval
replaces 12 monthly billings
How BNPL Fuse works smarter
From the moment a buyer starts browsing to the moment the sale is done, BNPL Fuse is already working underneath.
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Buyer’s browsing.
No credit card. No problem.BNPL Fuse surfaces installment pricing before they even think about leaving. -
Eligible before they reach checkout. Pre-screening runs in the background. Only qualified buyers see BNPL as an option. -
One tap. No redirects.
No friction.A native checkout experience, optimized directly with the provider. -
One approval.
Everything secured.The purchase completes. For subscriptions, that can mean a full year captured upfront. - BNPL Fuse gets smarter. Every transaction improves the next one. For every merchant in the network.
Live in eight markets. More wiring in progress.
Connected to the leading local providers across emerging markets. And the network keeps growing.
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Latin America
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Argentina
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Brazil
Coming soon
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Chile
Coming soon
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Colombia
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new
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Mexico
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new
Coming soon
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Africa and the Middle East
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Egypt
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Saudi Arabia
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new
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South Africa
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new
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UAE
Coming soon
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Asia
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Malaysia
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Works for how you sell today. Grows with what you sell next.
- New capability
Streaming & SaaS
Full-year value. Day one. Let buyers commit to a full annual plan through a single approval. You collect the entire contract value upfront. No renewal friction. No monthly billing failures. No lending exposure.
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Travel & Hospitality
Big trips come with big price tags. Flights, hotels, and packages feel easier to book when the cost can be spread over time. With BNPL Fuse, platforms capture more bookings and settle upfront, without waiting on post-departure payment risk.
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eLearning
Education is an investment. Splitting the cost makes it easier for students to commit. With BNPL Fuse, platforms make learning more accessible and affordable, collecting upfront while students pay over time.
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Retail & Marketplaces
From fashion to electronics, buyers are more likely to complete their purchase if they don’t have to pay all at once. BNPL Fuse helps reduce abandoned carts and increase order values, as proven by one of our live merchants in global retail: 61% higher Average Order Value via BNPL vs. cards.
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Gaming
Players don’t want interruptions at checkout. Offering BNPL keeps them engaged and makes it easier to pay for subscriptions, upgrades, or in-game purchases.
Hear it from the partners inside the network
The providers inside BNPL Fuse are the leading local names in every market. Here's what they say about building with dLocal.
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Our goal at Kueski has always been to make access to flexible payment options easier for consumers while creating value for merchants.Through this partnership with dLocal, leading international retailers can now offer BNPL in Mexico with a streamlined integration and clear benefits that drive sales and improve the shopping experience for their customers.
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The implementation was simple and strengthened our infrastructure to continue enabling more Brazilians to access installment payments.As Pagaleve continues to grow, expanding its consumer base and attracting retailers, including marketplaces with international reach, it becomes increasingly important to rely on strategic partners like DLocal.
Go deeper on BNPL Fuse
Resources to help you understand how BNPL is shaping checkout across emerging markets.
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Blog Article: How global merchants can simplify Buy Now, Pay Later (BNPL) integrations in emerging markets
Learn how a single Buy Now, Pay Later integration helps global merchants access millions of new buyers and increase sales in emerging markets.
Read the article -
Webinar replay: The checkout opportunity powered by BNPL Fuse
Watch the on-demand session to hear on-the-ground BNPL insights from Brazil and South Africa, and learn how merchants can connect multiple local providers through one integration.
Webinar replay
Frequently asked questions
How BNPL Fuse works
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Is BNPL Fuse just an aggregator?
Not even close. Aggregators stop at the connection. BNPL Fuse screens buyers before checkout, enriches credit decisions with shared payer data, and eliminates checkout friction. It doesn't just connect, it performs.
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Who takes the credit risk?
The BNPL provider, always. They absorb 100% of credit and fraud risk. You collect upfront, every time.
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Is there fraud liability protection?
The BNPL provider manages fraud and credit risk end to end. You're not exposed to chargeback liability the way you are with cards. Specifics vary by provider and market, we can walk you through the details.
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How do refunds work?
With BNPL Fuse, one refund policy covers every provider and every market. Full and partial refunds run through a single API. There is no manual reconciliation, no exceptions, no matter where the transaction happened.
Getting started with BNPL Fuse
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Do I need a new integration?
If you're already on dLocal, you're already most of the way there. No new infrastructure, no new contract needed, eligibility screening and checkout optimization apply automatically from day one. Looking to expand to new providers or markets? It's the same API, no rebuild required. Just talk to your account manager to get started.
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How hard is it to add a second market after the first?
Much easier than the first. New markets scale from the same API already in place. No new integration, significantly less complexity every time you expand.
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Can I configure installment rules myself?
Market selection, interest models, eligibility thresholds… there's a range of configuration options available depending on your setup and the markets you're in. Our team will work with you to scope exactly what's possible for your use case.
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Do I need a local entity in each market?
Not at all. Wherever BNPL Fuse is live, dLocal already holds the local licenses, entities, and compliance layer in place. You focus on expanding, we handle everything underneath.
Subscriptions & recurring with BNPL Fuse
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Does BNPL Fuse work for subscriptions?
Yes, and this is where things get interesting. One approval replaces 12 monthly billing events. Subscribers pay in installments. You collect the full annual value on day one. The provider manages repayment. No renewals. No failures. No churn.
Fuse smarter
to grow faster
One integration, the leading local providers, and a network that gets smarter with every transaction, for every merchant.
Start with BNPL Fuse