Give your customers more ways to pay.

Offer instalment purchases through AMIO and financing partners, without building a separate integration for every financing provider.

Financing at the moment of purchase
Create a request, show the customer a QR code or send a link, and follow the status in one place.
A clear sales confirmation
You know when the financing is confirmed and when you can complete the sale and hand over the goods.
One place for everything
Purchases, financing statuses and statements in AMIO, for all financing partners.

What one sale looks like

You enter the purchase amount.
The customer opens the request and goes through the financing partner's process.
The financing partner reviews the request and offers terms.
The customer accepts the offer and completes the required steps.
You get a confirmation and hand over the purchase.

First channel
In store
The initial model is selling in physical stores and service businesses: a QR code at the till or a link sent to the customer.
Available
Online
Embed the instalment checkout in your online shop or send the customer a payment link.
Available
Multiple locations
Chains, service centers and clinics manage locations, staff and sales from one account.

QR codes and payment links
Show a QR code at the till or send a link by message or email. The customer finishes on their own phone.
Refunds
Record a full or partial return and follow how the financing is adjusted.
Reports
Sales, financing statuses and payouts by location and period, ready to export.
Planned
Catalog and campaigns
Show your products and promotions to shoppers in the app, with instalment examples.

Fees
The platform fee and how it is calculated are set in the cooperation offer, before you start. Financing partner fees are separate and always visible in advance.
Payouts
The financing partner pays out financed purchases under its own terms. AMIO never receives or holds the money.
Declined requests
If the financing partner declines a request, the customer can pay the usual way. The sale does not have to be lost.
Returns
You handle the return and the financing partner adjusts the financing, following the agreed procedure.

Apply for the pilot program in Serbia. We will email you after we review your application.