The BNPL payment industry in Brazil has recorded strong growth over the last four quarters, supported by increased ecommerce penetration. According to PayNXT360, BNPL payments in the country are expe...
The BNPL payment industry in Brazil has recorded strong growth over the last four quarters, supported by increased ecommerce penetration. According to PayNXT360, BNPL payments in the country are expected to grow by 23.6% on an annual basis to reach US$6,031.9 million in 2023. Medium to long term growth story of BNPL industry in Brazil remains strong. BNPL payment adoption is expected to grow steadily over the forecast period, recording a CAGR of 13.7% during 2023-2028. The BNPL Gross Merchandise Value in the country will increase from US$4,879.4 million in 2022 to reach US$11,482.8 million by 2028. Brazil already has a well-established installment payment ecosystem. Most consumers have adopted credit cards to boost their purchasing power, especially for higher-ticket purchases. However, the lack of formal employment and higher annuity fees has left many Brazilians underbanked. With the majority of the population lacking access to credit cards, buy now pay later schemes have turned out to be the biggest winner over the last few years in Brazil. The adoption of BNPL schemes is expected to surge significantly among consumers amid the rising inflation and surging cost of living. The robust digital infrastructure and integration of the Pix system with BNPL schemes are also expected to drive growth momentum for the industry over the next three to four years. Consequently, PayNXT360 maintains a robust growth outlook for the sector from the short to medium-term perspective in Brazil. Integrating BNPL schemes into the Pix platform is expected to drive transaction volume in Brazil The Central Bank of Brazil launched Pix, the real-time payment method in November 2022. Since its launch, Brazil has recorded strong growth in its digital payments ecosystem. To further accelerate the growth of its innovative Pix platform, the Central Bank has been constantly introducing new features, such as Guaranteed Pix. The new feature allows fintech firms and banking institutions to obtain credit for instant payments that are repaid in 12 to 24 interest-free installments. This is very much similar to the BNPL schemes. Providers such as Addi have started to offer interest-free Pix installments for e-commerce purchases. The integration of BNPL to the Pix platform is expected to accelerate BNPL transaction volume in Brazil over the next three to four years. As Guaranteed Pix lowers the transaction costs for merchants, PayNXT360 expects more retailers to start providing their customers with a flexible payment scheme in the form of different BNPL options. This will also supplement the growing demand for BNPL services among consumers, subsequently driving the growth of the overall BNPL industry in Brazil. BNPL startups are raising funding rounds to improve customer experience and strengthen the technology platform Amid the rising competitive landscape in the Brazilian BNPL space, fintech firms and startups operating in the market are raising funding rounds to further create innovative experiences for their users, while also strengthening their platform services. For instance, • In September 2022, Pagaleve, the Brazil-based fintech, announced that the firm had raised US$25 million in a Series A funding round, which has been led by Salesforce Ventures. Founder Collective, Janeiro Energy, OIF Ventures, and others, have also participated in the funding round. • The fintech firm operates on a B2B2C business model and is largely focused on the e-commerce market. The target audience for the firm are consumers that are left out of the formal banking system and have trouble accessing credit card products in Brazil. • With the new funding round, the firm aims to improve customer experience, while also boosting its merchant network. By the end of 2022, the firm plans to increase its merchant network from 500 to 1,000. With BNPL schemes growing in demand among Brazilians, PayNXT360 expects more fintech firms, including startups operating in the BNPL space, to raise funding rounds from the short to medium-term perspective. BNPL schemes are expanding their presence in the offline market with Pix payment integration in Brazil The pandemic-infused restrictions have eased out in Brazil. As a result, BNPL providers are also targeting growth in the offline segment, as consumers head out to physical stores for completing their purchases. This is expected to drive market growth in the offline segment over the next three to four years. However, the integration of BNPL schemes with the Pix payment system also ensures that the payment method is available for retail purchases across the country. This will drive significant transaction volume and value in the offline category, thereby driving the overall industry growth in Brazil from the short to medium-term perspective. This report provides a detailed data centric analysis of Buy Now Pay Later (BNPL) industry, covering market opportunities and risks across a range of retail categories. With over 75 KPIs at country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics. It breaks down market opportunity by type of business model, sales channels (offline and online), and distribution models. In addition, it provides a snapshot of consumer behaviour and retail spend dynamics in Brazil. KPIs in both value and volume term help in getting 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 on emerging business and investment market opportunities.
This report provides in-depth, data-centric analysis of Buy Now Pay Later industry in Brazil through 57 tables and 71 charts. Below is a summary of key market segments: Brazil BNPL Market Size and Spending Pattern, 2019-2028 • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Brazil Buy Now Pay Later Revenue Analysis, 2019-2028 • Buy Now Pay Later Revenues • Buy Now Pay Later Share by Revenue Segments • Buy Now Pay Later Revenue by Merchant Commission • Buy Now Pay Later Revenue by Missed Payment Fee Revenue • Buy Now Pay Later Revenue by Pay Now & Other Income Brazil Buy Now Pay Later Operational KPIs & Statistics, 2019-2028 • Buy Now Pay Later Active Consumer Base • Buy Now Pay Later Bad Debt Brazil BNPL by Purpose, 2019-2028 • Convenience – Short Term Loans • Credit – Loan Term Loans Brazil BNPL by Business Model, 2019-2028 • Two-Party (BNPL offered by retailers) • Three-Party BNPL Offering Brazil BNPL by Merchant Ecosystem, 2019-2028 • Open Loop System • Closed Loop System Brazil BNPL by Distribution Model Analysis, 2019-2028 • Standalone • Banks & Payment Service Providers • Marketplaces Brazil Buy Now Pay Later Market Share Analysis by Key Players Brazil BNPL Analysis by Channel, 2019-2028 • Online Channel • POS Channel Brazil Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2019-2028 • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Brazil Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2019-2028 • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Brazil Buy Now Pay Later in Travel/Entertainment: Market Size and Forecast, 2019-2028 • Gross Merchandise Value Trend Analysis • Average Value per Transaction Trend Analysis • Transaction Volume Trend Analysis Brazil Buy Now Pay Later in Services: Market Size and Forecast, 2019-2028 • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Brazil Buy Now Pay Later in Automotive: Market Size and Forecast, 2019-2028 • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Brazil Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2019-2028 • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Brazil Buy Now Pay Later in Groceries: Market Size and Forecast • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Brazil Buy Now Pay Later Analysis by Consumer Attitude and Behaviour • Sales Uplift by Product Category • Share by Age Group • Share by Income • Share by Gender • Adoption Rationale
• Get a comprehensive understanding of market dynamics for Buy Now Pay Later: Identify market opportunities, major trends, and forecasting (2019-2028). Understand market trends through crucial KPIs like Gross Merchandise Value, Volume, and Average Value per Transaction, to stay ahead of the curve. • Insights by end-use sectors: Evaluate new opportunities across multiple end-use sectors, and obtain market dynamics by end-use sectors in order to swiftly catch up with the latest and upcoming developments in BNPL markets. • Market-specific strategies: Identify growth segments focused on specific opportunities, and analysing market-specific risks and important trends in the BNPL sector with our exclusive blend of quantitative forecasting and innovative insights. • Gain knowledge of consumer attitudes and actions: This report identifies and interprets important Buy Now Pay Later KPIs, such as spend by age, gender, and income level, using data from a proprietary survey. • Develop proactive and lucrative business strategies through market intelligence and forward-looking analysis of BNPL market spend and major opportunities in Brazil.
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, 2019-2028 2.2 Brazil Buy Now Pay Later - Average Value Per Transaction Trend Analysis, 2019-2028 2.3 Brazil Buy Now Pay Later - Transaction Volume Trend Analysis, 2019-2028 2.4 Brazil Buy Now Pay Later Market Share Analysis by Key Players 3 Brazil Buy Now Pay Later Operational KPIs 3.1 Buy Now Pay Later Revenues, 2019 - 2028 3.2 Buy Now Pay Later Share by Revenue Segments 3.2.1 Buy Now Pay Later Revenue by Merchant Commission, 2019 - 2028 3.2.2 Buy Now Pay Later Revenue by Missed Payment Fee Revenue, 2019 - 2028 3.2.3 Buy Now Pay Later Revenue by Pay Now & Other Income, 2019 - 2028 3.3 Buy Now Pay Later Active Consumer Base, 2019 - 2028 3.4 Buy Now Pay Later Bad Debt, 2020 - 2024 - 2028 4 Buy Now Pay Later Spend Analysis by Business Model, 2022 vs 2028 4.1 Buy Now Pay Later Two party, 2019 - 2028 4.2 Buy Now Pay Later Third party, 2019 - 2028 5 Buy Now Pay Later Spend Analysis by Purpose, 2022 vs 2028 5.1 Buy Now Pay Later Convenience, 2019 - 2028 5.2 Buy Now Pay Later Credit, 2019 - 2028 6 Buy Now Pay Later Spend Analysis by Merchant ecosystem, 2022 vs 2028 6.1 Buy Now Pay Later by Open loop system, 2019 - 2028 6.2 Buy Now Pay Later by Closed loop system, 2019 - 2028 7 Buy Now Pay Later Spend Analysis by Distribution Model, 2022 vs 2028 7.1 Buy Now Pay Later by Standalone, 2019 - 2028 7.2 Buy Now Pay Later by Banks & Payment Service Providers, 2019 - 2028 7.3 Buy Now Pay Later by Marketplaces, 2019 - 2028 8 Brazil Buy Now Pay Later Spend Analysis by Channel 8.1 Buy Now Pay Later Market Share by Channel, 2019 - 2028 8.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2019 - 2028 8.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2019 - 2028 9 Brazil Buy Now Pay Later Snapshot by End-Use Sector 9.1 Buy Now Pay Later Market Share by End-Use Sector - Emerging Avenues and Future Growth Prospects 9.2 Buy Now Pay Later Sales Uplift by End-Use Segment 9.3 Buy Now Pay Later Share by Retail Product Category 9.4 Brazil Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis, 2019-2028 9.5 Brazil Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis, 2019-2028 9.6 Brazil Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis, 2019-2028 9.7 Brazil Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis, 2019-2028 9.8 Brazil Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis, 2019-2028 9.9 Brazil Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis, 2019-2028 9.10 Brazil Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis, 2019-2028 10 Brazil Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2019 - 2028 10.1 Brazil Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis, 2019-2028 10.2 Brazil Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis, 2019-2028 10.3 Brazil Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis, 2019-2028 11 Brazil Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2019 - 2028 11.1 Brazil Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis, 2019-2028 11.2 Brazil Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis, 2019-2028 11.3 Brazil Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis, 2019-2028 12 Brazil Buy Now Pay Later in Travel/Entertainment: Market Size and Forecast, 2019 - 2028 12.1 Brazil Buy Now Pay Later Travel/Entertainment - Gross Merchandise Value Trend Analysis, 2019-2028 12.2 Brazil Buy Now Pay Later Travel/Entertainment - Average Value Per Transaction Trend Analysis, 2019-2028 12.3 Brazil Buy Now Pay Later Travel/Entertainment - Transaction Volume Trend Analysis, 2019-2028 13 Brazil Buy Now Pay Later in Service: Market Size and Forecast, 2019 - 2028 13.1 Brazil Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis, 2019-2028 13.2 Brazil Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis, 2019-2028 13.3 Brazil Buy Now Pay Later Service - Transaction Volume Trend Analysis, 2019-2028 14 Brazil Buy Now Pay Later in Automotive: Market Size and Forecast, 2019 - 2028 14.1 Brazil Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis, 2019-2028 14.2 Brazil Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis, 2019-2028 14.3 Brazil Buy Now Pay Later Automotive - Transaction Volume Trend Analysis, 2019-2028 15 Brazil Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2019 - 2028 15.1 Brazil Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis, 2019-2028 15.2 Brazil Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis, 2019-2028 15.3 Brazil Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis, 2019-2028 16 Brazil Buy Now Pay Later in Groceries: Market Size and Forecast, 2019 - 2028 16.1 Brazil Buy Now Pay Later Groceries - Gross Merchandise Value Trend Analysis, 2019-2028 16.2 Brazil Buy Now Pay Later Groceries - Average Value Per Transaction Trend Analysis, 2019-2028 16.3 Brazil Buy Now Pay Later Groceries - Transaction Volume Trend Analysis, 2019-2028 17 Brazil Buy Now Pay Later Analysis by Consumer Attitude and Behaviour 17.1 Buy Now Pay Later Spend Share by Age Group 17.1.1 Brazil Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis, 2019-2028 17.1.2 Brazil Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis, 2019-2028 17.1.3 Brazil Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis, 2019-2028 17.1.4 Brazil Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis, 2019-2028 17.2 Buy Now Pay Later Share by Income 17.2.1 Brazil Buy Now Pay Later by Income Level - Tire 1 - Gross Merchandise Value Trend Analysis, 2019-2028 17.2.2 Brazil Buy Now Pay Later by Income Level - Tire 2 - Gross Merchandise Value Trend Analysis, 2019-2028 17.2.3 Brazil Buy Now Pay Later by Income Level - Tire 3 - Gross Merchandise Value Trend Analysis, 2019-2028 17.3 Buy Now Pay Later Spend Share by Default Rate by Age Group 17.4 Buy Now Pay Later Gross Merchandise Value Share by Gender 17.5 Buy Now Pay Later Adoption Rationale 18 Further Reading 18.1 About PayNXT360 18.2 Related Research
Table 1: Brazil Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 2: Brazil Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 3: Brazil Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 4: Brazil Buy Now Pay Later - Revenues (US$ Million), 2019-2028 Table 5: Brazil Buy Now Pay Later - Merchant Commission (US$ Million), 2019-2028 Table 6: Brazil Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2019-2028 Table 7: Brazil Buy Now Pay Later Pay Now & Other Income (US$ Million), 2019-2028 Table 8: Brazil Buy Now Pay Later - Active Consumer Base (Thousand), 2019-2028 Table 9: Brazil Buy Now Pay Later - Bad Debt (US$ Million), 2020-2024-2028 Table 10: Brazil Buy Now Pay Later - Two party (US$ Million), 2019-2028 Table 11: Brazil Buy Now Pay Later - Third party (US$ Million), 2019-2028 Table 12: Brazil Buy Now Pay Later - Convenience (US$ Million), 2019-2028 Table 13: Brazil Buy Now Pay Later - Credit (US$ Million), 2019-2028 Table 14: Brazil Buy Now Pay Later - Open loop system (US$ Million), 2019-2028 Table 15: Brazil Buy Now Pay Later - Closed loop system (US$ Million), 2019-2028 Table 16: Brazil Buy Now Pay Later - Standalone (US$ Million), 2019-2028 Table 17: Brazil Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2019-2028 Table 18: Brazil Buy Now Pay Later - Marketplaces (US$ Million), 2019-2028 Table 19: Brazil Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2019-2028 Table 20: Brazil Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2019-2028 Table 21: Brazil Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 22: Brazil Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 23: Brazil Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 24: Brazil Buy Now Pay Later Retail Shopping - Jewelry - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 25: Brazil Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 26: Brazil Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 27: Brazil Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 28: Brazil Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 29: Brazil Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 30: Brazil Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 31: Brazil Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 32: Brazil Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 33: Brazil Buy Now Pay Later Retail Shopping Home Improvement - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 34: Brazil Buy Now Pay Later Travel/Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 35: Brazil Buy Now Pay Later Travel/Entertainment - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 36: Brazil Buy Now Pay Later Travel/Entertainment - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 37: Brazil Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 38: Brazil Buy Now Pay Later Service- Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 39: Brazil Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 40: Brazil Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 41: Brazil Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 42: Brazil Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 43: Brazil Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 44: Brazil Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 45: Brazil Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 46: Brazil Buy Now Pay Later Groceries - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 47: Brazil Buy Now Pay Later Groceries - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Table 48: Brazil Buy Now Pay Later Groceries - Transaction Volume Trend Analysis (Thousand), 2019-2028 Table 49: Brazil Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 50: Brazil Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 51: Brazil Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 52: Brazil Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 53: Brazil Buy Now Pay Later by Income Level - Tire 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 54: Brazil Buy Now Pay Later by Income Level - Tire 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Table 55: Brazil Buy Now Pay Later by Income Level - Tire 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 1: PayNXT360's Methodology Framework Figure 2: Brazil Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 3: Brazil Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 4: Brazil Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 5: Brazil Buy Now Pay Later - Market Share Analysis by Key Players (by Value) Figure 6: Brazil Buy Now Pay Later - Revenues (US$ Million), 2019-2028 Figure 7: Buy Now Pay Later Share by Revenue Segments (%) Figure 8: Brazil Buy Now Pay Later - Merchant Commission (US$ Million), 2019-2028 Figure 9: Brazil Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2019-2028 Figure 10: Brazil Buy Now Pay Later Pay Now & Other Income (US$ Million), 2019-2028 Figure 11: Brazil Buy Now Pay Later - Active Consumer Base (Thousand), 2019-2028 Figure 12: Brazil Buy Now Pay Later - Bad Debt (US$ Million), 2020-2024-2028 Figure 13: Brazil Buy Now Pay Later Spend Analysis by Business Model (%), 2022 vs 2028 Figure 14: Brazil Buy Now Pay Later - Two party (US$ Million), 2019-2028 Figure 15: Brazil Buy Now Pay Later - Third party (US$ Million), 2019-2028 Figure 16: Brazil Buy Now Pay Later Spend Analysis by Purpose (%), 2022 vs 2028 Figure 17: Brazil Buy Now Pay Later - Convenience (US$ Million), 2019-2028 Figure 18: Brazil Buy Now Pay Later - Credit (US$ Million), 2019-2028 Figure 19: Brazil Buy Now Pay Later Spend Analysis by Merchant Ecosystem (%), 2022 vs 2028 Figure 20: Brazil Buy Now Pay Later - Open loop system (US$ Million), 2019-2028 Figure 21: Brazil Buy Now Pay Later - Closed loop system (US$ Million), 2019-2028 Figure 22: Brazil Buy Now Pay Later Spend Analysis by Distribution Model (%), 2022 vs 2028 Figure 23: Brazil Buy Now Pay Later - Standalone (US$ Million), 2019-2028 Figure 24: Brazil Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2019-2028 Figure 25: Brazil Buy Now Pay Later - Marketplaces (US$ Million), 2019-2028 Figure 26: Brazil Buy Now Pay Later - Gross Merchandise Value Market Share by Channel (%), 2019-2028 Figure 27: Brazil Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2019-2028 Figure 28: Brazil Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2019-2028 Figure 29: Brazil Buy Now Pay Later - Market Share by End-Use Sector (%), 2021 Vs. 2028 Figure 30: Brazil Buy Now Pay Later - Market Share by End-Use Segment (%), 2022 Figure 31: Brazil Buy Now Pay Later - Market Share by Retail Product Category (%), 2022 Figure 32: Brazil Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 33: Brazil Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 34: Brazil Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 35: Brazil Buy Now Pay Later Retail Shopping - Jewelry- Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 36: Brazil Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 37: Brazil Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 38: Brazil Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 39: Brazil Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 40: Brazil Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 41: Brazil Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 42: Brazil Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 43: Brazil Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 44: Brazil Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 45: Brazil Buy Now Pay Later Travel/Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 46: Brazil Buy Now Pay Later Travel/Entertainment - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 47: Brazil Buy Now Pay Later Travel/Entertainment - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 48: Brazil Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 49: Brazil Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 50: Brazil Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 51: Brazil Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 52: Brazil Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 53: Brazil Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 54: Brazil Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 55: Brazil Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 56: Brazil Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 57: Brazil Buy Now Pay Later Groceries - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 58: Brazil Buy Now Pay Later Groceries - Average Value Per Transaction Trend Analysis (US$), 2019-2028 Figure 59: Brazil Buy Now Pay Later Groceries - Transaction Volume Trend Analysis (Thousand), 2019-2028 Figure 60: Brazil Buy Now Pay Later - Share by Age Group in Value Terms (%), 2022 Figure 61: Brazil Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 62: Brazil Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 63: Brazil Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 64: Brazil Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 65: Brazil Buy Now Pay Later - Share by Income Group in Value Terms (%), 2022 Figure 66: Brazil Buy Now Pay Later by Income Level - Tire 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 67: Brazil Buy Now Pay Later by Income Level - Tire 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 68: Brazil Buy Now Pay Later by Income Level - Tire 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028 Figure 69: Brazil Buy Now Pay Later - Share by Default Rate by Age Group in Value Terms (%), 2022 Figure 70: Brazil Buy Now Pay Later - Share by Gender in Value Terms (%), 2022 Figure 71: Buy Now Pay Later - Adoption Rationale by Value, 2022
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