PPRO has introduced a solution called Buy Now Pay Local that lets merchants and payment service providers access multiple locally preferred buy now pay later providers across Europe through one integration. The company positions it as a way to simplify access to regional BNPL brands that already hold consumer trust in their own markets.

What the solution is designed to do

PPRO’s proposition focuses on reducing the complexity of dealing with a fragmented BNPL landscape. Instead of integrating with several market specific providers, the idea is that merchants and PSPs can connect once and unlock a set of BNPL partners that consumers already recognise. Providers include well known regional names such as Scalapay, FLOA Pay and BLIK Pay Later. PPRO also highlights its market insight capabilities, arguing that understanding local payment behaviour helps merchants increase conversion and customer satisfaction.

Why this matters for fintech startups

BNPL usage continues to grow in Europe. PPRO refers to its own data showing that BNPL already represents a noticeable portion of e commerce transactions and is predicted to expand significantly in the coming years. Many European consumers now expect instalment options at checkout. For fintech startups, this trend creates an opportunity to deliver a more locally tuned checkout experience, especially when entering markets where consumer trust is closely tied to familiar payment brands.

The business impact question

The business case depends on whether BNPL will meaningfully move the metrics that matter. Startups often seek higher conversion, larger basket sizes or improved retention. It is important to track the financial impact of fees and operational overhead against the gains produced by offering a local BNPL option. Growth forecasts for BNPL are positive, but outcomes still depend on consumer sentiment, regulation and economic conditions.

Key takeaways for fintech startups

• Offer local BNPL options when expanding into European markets where consumers rely on familiar regional brands.
  
  
• Review which specific BNPL providers are included in the solution and confirm their relevance to your target markets.
  
  
• Examine commercial terms and credit risk exposure carefully before integrating.
  
  
• Treat localisation as a core part of the payment experience rather than an afterthought.
  
  
• Define clear performance metrics and validate whether BNPL integration actually strengthens conversion, basket size or retention.

If you want help evaluating whether BNPL aligns with your growth strategy or choosing the right partners for European expansion, contact us.