[Brand] Shopping
Inside your existing app or as a separate module with your institution's identity.
Brand and rules: your institution
White-label buy now, pay later
Launch buy now, pay later under your own brand.
For banks, lenders and other financial institutions. A complete platform for instalment shopping: a shopper app, a merchant app, online checkout and in-store QR, connected to your own credit decisions and run in your infrastructure.
Your institution
finances, decides and owns the customer
The merchant
sells, delivers and invoices
AMIO
provides the software and the connections
Everything a new instalment channel needs
One platform, delivered under your brand.
Shopper app
Merchant and product discovery, offers, instalment checkout, a repayment overview and notifications, on the web and in iOS and Android apps.
Merchant app
Self-service onboarding, catalog and promotions, QR codes and payment links, several locations, refunds and reports.
Lender portal and API
Products and limits, pre-approved customers, approvals through your systems, order tracking, cohorts and funnel analytics.
Online checkout
Your instalment option on merchant webshops: a hosted link, a JavaScript SDK, a server API and a WooCommerce plugin.
In-store sales
The merchant creates an offer, the shopper scans a QR code or opens a link, and your institution confirms before the goods leave the store.
Brand and content
Your logo, colours, domain, languages, legal texts and notifications, managed in a console without code changes.
Two ways to put it in front of customers
Your existing brand or a new consumer identity: the same platform and the same lender.
A separate brand
A dedicated shopping app and identity. Your institution stays clearly named as the lender.
Financing provided by [institution name]
Logo, colours, domain, apps, terms, promotions and markets adapt to each institution.
One credit product, online and in store
Online checkout
- 1The shopper picks your instalment option at the merchant's checkout.
- 2Your institution runs the identity check and decides on the credit.
- 3Your institution's confirmation releases the order.
In store, with a QR code or link
- 1The merchant creates an offer: amount, product, location and instalment plan.
- 2The shopper opens the QR code or link on their phone and goes through your credit flow.
- 3Your institution confirms, and the merchant gets a reliable status before handing over the goods.
Your institution pays the merchant and the shopper repays your institution. AMIO never holds the money.
One checkout API for every channel
Webshops, payment links and in-store QR codes use the same credit infrastructure and the same status flow.
Small sites
A hosted payment link and a button.
Custom webshops
A JavaScript SDK and a server API.
WooCommerce
A checkout module.
Physical stores
QR codes and payment links.
Your institution's systems
One documented integration API with signed calls and webhooks for decisions, offers, funding and repayments.
Shopify: an integrated payment method needs the platform's approval; a hosted link works without it.
Value at more than one point of the customer relationship
Financing is the core. The other sources appear only with the matching credit product and an active customer.
- 01
Merchant fees
For example a fee on interest-free plans, paid by the merchant.
- 02
Interest on longer plans
6, 12 or 24 instalments at your institution's rates.
- 03
Virtual card
Issuer revenue where your institution offers a card.
- 04
Acquiring volume
More card volume from merchants who use your institution.
- 05
Accounts and deposits
New, active customers and a growing deposit base.
- 06
Further products
Credit cards, cash loans and insurance, with consent.
- 07
Merchant loans
Working capital for merchants in your network.
- 08
Sponsored offers
Paid visibility for merchants, always labelled.
Build or buy
AMIO shortens the launch compared with building the platform from scratch.
Building in-house
About 12 specialists for about 15 months
Apps, checkout, merchant network, analytics and operations, built and maintained by you.
AMIO white label
8 to 12 weeks
Our target for implementation in your infrastructure, including integrations and test operation, once access to your systems is agreed.
Your institution keeps the identity checks, the credit system, the payment gateway and control of the data.
How we start
- 1
Workshop
Scope, brand mode, products and the first merchants.
- 2
Pilot
A fixed-fee pilot with selected merchants on your credit approval, credited towards implementation when you continue.
- 3
Implementation
Installation and configuration in your infrastructure, integrations, white-label set-up and a documented exit plan.
- 4
Licence
A monthly licence with financings included and a fee per financing above that. Never a share of the loan.
Pricing depends on scope and volume. We share it in a proposal for your institution.
First partner in a market: exclusivity, an agreed minimum volume and timelines can be part of the agreement.
Roadmap
V1 · Checkout pilot
Your brand or a separate one, online checkout, QR codes and links in stores, 10 to 20 merchants, statuses and core analytics.
V2 · Wider distribution
Shop platform plugins, payment gateways, the acquiring network and payment service providers.
V3 · Personalisation
Pre-approved limits where allowed, more locations, personalised offers and segments.
Each phase starts after your institution's approval, technical testing and a check of the economics.
Built to pass an institution's vendor review
It runs in your data centre or your chosen cloud region, with your keys. AMIO staff have no access to production data unless your institution approves a time-limited request.
Security and deploymentQuestions institutions ask
Who is the lender?
Always your institution. You decide on every application, set the terms, sign the agreement with the customer and collect the repayments. AMIO never lends and never holds money.
Does it replace our credit system or identity checks?
No. The platform calls your existing identity checks, credit scoring and core systems through one documented API. Your rules stay yours.
Can we use our existing brand?
Yes. Run it as [Brand] Shopping inside your app, or as a separate consumer brand with your institution named as the lender.
Where does it run?
In your data centre or a cloud region you choose, installed with Terraform and Helm. Data and encryption keys stay with your institution.
How long does a launch take?
Our target is 8 to 12 weeks for a defined scope, once access to your test systems is agreed.
How is AMIO paid?
With a monthly licence and a fee per financing above the included volume. Never a share of the loan.
Which countries do you support?
Any market where your institution lends. Languages, currency, legal texts and disclosures are set per bank.
See it with your brand.
We set up a demo with your logo and colours and walk your team through it.