Buy Now, Pay Later (BNPL) Solutions in Asia

Powering the Next Phase of Digital Payments in Asia through Flexible Credit, Seamless Payments, & Embedded Finance.

Opportunity

The Explosive Market Growth

Southeast Asia’s BNPL market will grow from USD 14.7B in 2023 to over USD 53.2B by 2027, driven by mobile-first consumers and Gen Z spending.

Digital Wallet

Adopted by over 70% of consumers across SEA

Digital Wallet

Adopted by over 70% of consumers across SEA

BNPL Adoption

20.7% of adults have already used Buy Now, Pay Later services

BNPL Adoption

20.7% of adults have already used Buy Now, Pay Later services

Core BNPL Markets

Two-thirds of BNPL adoption is driven by the Philippines and Indonesia

Core BNPL Markets

Two-thirds of BNPL adoption is driven by the Philippines and Indonesia

Core User Segment

Gen Z and mobile-first consumers are leading BNPL adoption

Core User Segment

Gen Z and mobile-first consumers are leading BNPL adoption

Financial Inclusion

BNPL expands access to credit for unbanked and underserved people across SEA

Financial Inclusion

BNPL expands access to credit for unbanked and underserved people across SEA

BNPL Serving

Financial Inclusion By BNPL

BNPL is reshaping financial inclusion.

Alternative Credits

Providing credit options for consumers without access to traditional banking

Alternative Credits

Providing credit options for consumers without access to traditional banking

Generational Pull

Appeals strongly to Gen Z and millennials seeking flexible, interest-free payments

Generational Pull

Appeals strongly to Gen Z and millennials seeking flexible, interest-free payments

Seamless Payments

Enables real-time, seamless transactions through mobile apps and cards

Seamless Payments

Enables real-time, seamless transactions through mobile apps and cards

Industry Challenges

Current Industry

Challenges

Merchant Acquisition at Scale

BNPL providers struggle with onboarding thousands of individual merchants due to integration, accreditation, and cost barriers.

1

Loan Utilisation by Users

Driving consistent and responsible usage requires education, real-time controls, and intuitive repayment experiences.

2

Back-End Operational Complexity

Traditional BNPL models face hurdles in managing just-in-time funding, reconciliation, and cross-border settlement flows.

3

Regulatory Uncertainty

SEA lacks a harmonized framework for BNPL, making expansion and compliance difficult.

4

Solution

Powering Scale Through Partnerships

Global Merchant Network

Access to over 100M Mastercard merchants globally with no individual merchant onboarding required

Global Merchant Network

Access to over 100M Mastercard merchants globally with no individual merchant onboarding required

Global Merchant Network

Access to over 100M Mastercard merchants globally with no individual merchant onboarding required

Real-Time Funding

Just in time disbursement through MatchMove’s platform ensures optimal liquidity

Real-Time Funding

Just in time disbursement through MatchMove’s platform ensures optimal liquidity

Real-Time Funding

Just in time disbursement through MatchMove’s platform ensures optimal liquidity

Payments & Settlement

Streamlined card issuance, spend control, and multi party settlements powered by BancNet and Mastercard

Payments & Settlement

Streamlined card issuance, spend control, and multi party settlements powered by BancNet and Mastercard

Payments & Settlement

Streamlined card issuance, spend control, and multi party settlements powered by BancNet and Mastercard

Rapid Market Entry

Fast integration and compliance-ready infrastructure across Southeast Asia

Rapid Market Entry

Fast integration and compliance-ready infrastructure across Southeast Asia

Rapid Market Entry

Fast integration and compliance-ready infrastructure across Southeast Asia

Case Study

MatchMove is enabling leading BNPL providers scale across Southeast Asia

With MatchMove's embedded finance platform, leading BNPLs in the region are enabling millions of consumers to get access to Mastercard and Visa merchants — online and offline — without merchant-level integration.

Global Network

BNPL enabled across Mastercard’s global network, no merchant acquisition required

Flexible Payment Options

Enables flexible payment options at any Mastercard merchant, online or offline.

Optimized Fund Utilisation

Just in time loan disbursement ensures long term efficient use of capital

Seamless Onboarding

A streamlined onboarding flow significantly enhances overall user experience.

Operational Efficiency

Streamlined operations, payments, and settlement infrastructure improve scale and reliability

Scalable Foundation

Designed to support market expansion, product innovation, and long term growth

What MatchMove Offers

Scalability

Plug-and-play access to Mastercard’s merchant network, cards, and APIs

Scalability

Plug-and-play access to Mastercard’s merchant network, cards, and APIs

Operational Efficiency

Automate onboarding, funding, and settlement with minimal friction

Operational Efficiency

Automate onboarding, funding, and settlement with minimal friction

Risk Management

Built-in KYC/AML, spend controls, and data insights to mitigate default risks

Risk Management

Built-in KYC/AML, spend controls, and data insights to mitigate default risks

Real-Time Data Visibility

Monitor spend, usage, and repayment behavior instantly

Real-Time Data Visibility

Monitor spend, usage, and repayment behavior instantly

Lower Operational Cost

Reduce overheads in merchant onboarding and operations

Lower Operational Cost

Reduce overheads in merchant onboarding and operations

Incremental Revenue

Enable flexible, repeatable BNPL transactions that drive user stickiness

Incremental Revenue

Enable flexible, repeatable BNPL transactions that drive user stickiness

Ready to Launch or Scale Your BNPL Platform?

Join the businesses already transforming their payment operations with MatchMove's embedded finance solutions.

Get Started