Aplazame
Business Profile
Core Value Proposition
Aplazame provides buy-now-pay-later financing at the point of sale, enabling customers to split purchases into installments with quick approvals, transparent terms, and optional store-driven interest or interest-free options.
Target Customer
Merchants (retailers and e-commerce platforms) seeking to increase average order value and conversions, and their customers who want to pay over time.
Key Differentiator
Fast credit decisions (often 3 minutes) with no payroll or bureaucratic paperwork, flexible installment options (3–36 months and also 4-payments), optional 0% interest in participating stores, and an app-based payment management experience including an insurance option for payments.
Implementation Timeline
Credit decision can occur within minutes (examples cite 3 minutes); merchants can implement and start offering Aplazame as a payment method at checkout; mobile app available for ongoing management.
Pain Points
- 1High up-front costs for customers limiting purchases
- 2Complex or lengthy credit approvals requiring payroll information
- 3Hidden fees or opaque financing terms
- 4Difficulty for merchants to increase average order value and conversion at checkout
Key Features
- 1Pay in 3 to 36 monthly installments at checkout
- 2Option to divide into 4 payments without interest in some cases
- 3Approval often completed in minutes (3 minutes example shown in materials)
- 4No payroll or extensive documentation required
- 5Mobile app to manage payments, plan schedules, and view payment status
- 6Insurance option to protect payments in events like unemployment or disability
- 7Sujeto a credit approval by Wizink Bank (S.A.U.)
Target Customer Industries
Client Results
- 1Increased merchant ticket size (example claim of +85% in average ticket)
- 2Improved checkout conversion by offering flexible financing
- 3Customers experience faster access to purchases with online and in-store use
Competitive Advantages
- 1Transparent pricing with no hidden commissions in general messaging
- 2No payroll documentation required for consumers
- 3Flexible payment options including 3–36 installments and 4-payments (interest-free in some cases)
- 4Insurance option for payment protection
- 5Dedicated app and merchant resources (directory of stores, integrations, demo requests)
Key Benefits
Case Studies & Success Stories
Customer testimonials and store success
Various customer quotes highlight fast credit approvals, ease of use, good customer service, and positive experiences with Aplazame across multiple merchants.
Additional Product Information
Product Description
Aplazame offers buy-now-pay-later financing at the point of sale, enabling customers to pay in installments (3–36 months) or in 4 payments, with optional 0% interest in participating stores, no payroll paperwork, and a mobile app to manage payments. It operates under credit approval provided by Wizink Bank (S.A.U.) and supports merchant integrations.
Target Market
Merchants seeking to enable financing at checkout and consumers who want to pay over time for purchases
Unique Value Proposition
Transparent, flexible financing at checkout with rapid approvals, no payroll requirements, multiple installment options (including 4-payments), optional store-specific 0% interest, and a mobile app for payment management plus an insurance option for payment protection.
Technical Requirements
Requires integration by merchants as a payment option; credit approval is handled by Wizink Bank (S.A.U.); supports mobile app usage for customers; subject to store-specific terms including interest rates and installment terms.
Pricing Model
Opening commission shown as 0€ in example; interest rate example provided (TIN 18.33%, TAE 19.95%) for a sample financing scenario; pricing and terms vary by merchant/store policy; some options include 0% TAE at the store level; 3–36 monthly payments; 4-payments option advertised as no-interest in specific cases.
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