Paying in instalments, simpler than ever
Buy today.
Pay in instalments.
For a new TV, the dentist, car repairs, your dream kitchen, driving lessons, a new laptop
Choose how to repay, review the financing partner's terms and confirm the purchase from your phone.
Buy now, pay later
Instalment shopping for banks, lenders, merchants and shoppers.
AMIO is the platform behind buy now, pay later. Banks launch it under their own brand, merchants sell more with instalments, and shoppers pay over time with every term shown upfront.
For banks and lenders
Launch a white-label instalment channel under your brand, online and in store, on your own credit decisions.
See the platform →For merchants
Offer instalments at checkout and in store, with your catalog, QR codes, payment links and reports.
Sell with instalments →For shoppers
Split a purchase into instalments, see the total cost before you accept, and follow your payments in one place.
How it works →
What is buy now, pay later?
The shopper splits a purchase into instalments at checkout. A licensed lender, usually a bank, decides on the request and pays the merchant. The shopper repays the lender over time, with the amounts, any interest and fees shown before accepting.
Bank
decides and finances
Merchant
sells and delivers
Shopper
pays in instalments
AMIO
connects them with software
- Dental care
- Car repairs
- Home and furniture
- Electronics
- Education
- Sports
- Eyewear
- Home appliances
Three steps to a simpler purchase.
Choose AMIO
At the store, scan the QR code or open the merchant's link and sign in to your AMIO account. The first time, you verify your identity once.
Review the offer
Check the financing terms, instalment amounts, repayment period and total cost. The financing partner decides on approval.
Confirm the purchase
Accept the offer and finish the financing partner's process. The merchant is notified when the purchase can be completed.
All your instalments. One place.
AMIO is building an app where you will be able to follow your purchases, remaining balances and due dates.
Paying instalments through the secure system of the financing partner or its payment partner is also planned, with a confirmation for every payment.
How repayment will workThese features are in development. Availability depends on integration with financing partners.
Know what you pay before you decide.
The financing partner approves paying in instalments. Before you accept an offer, you get the amounts, terms, any interest, fees and your total obligation.
Financing partner
approves paying in instalments and receives your instalments
The merchant
sells and hands over the purchase once the partner confirms
AMIO
connects everyone and helps you follow your purchase and obligations
AMIO does not approve instalment payments. The financing partner always decides.
Where you can use AMIO
We are starting with stores and service businesses in Serbia. The list of locations will be published when the pilot starts.
- Dental care
- Car repairs
- Home and furniture
- Electronics
- Education
- Sports
- Eyewear
- Home appliances
For merchants
More ways for customers to complete a purchase.
Offer instalment financing through a simple digital process, without a separate integration for every financing partner. You follow each request and the purchase confirmation.
- A customer request in three steps, with a QR code or link.
- The status of every request in one place.
- A clear confirmation when you can hand over the goods.
- Terms of cooperation agreed in advance.
For financial institutions
Your financing products. New sales channels.
AMIO connects financial institutions with merchants and customers at the moment of purchase. You set the terms, make the decisions and manage the financing.
Questions
Does AMIO approve instalment payments?
No. The financing partner decides. AMIO connects you, the merchant and the partner.
Are the instalments interest-free?
It depends on the financing partner's specific offer. The terms and total cost are shown before you accept.
How do I pay my monthly instalments?
Through the payment method the financing partner supports. Paying from the AMIO app is planned as part of partner integrations.
When can I use AMIO?
We are preparing the launch in Serbia with the first merchants and financing partners. Locations will be published when the pilot starts.
AMIO is coming to Serbia.
We are preparing the first partnerships with merchants and financial institutions.