Aplazo lets people pay for purchases in participating online and physical stores across Mexico in installments, without a credit card. Depending on the store, purchase, and account, schedules include 1, 3, 5, 8, or up to 12 biweekly payments. Qualifying purchases over $5,000 MXN may have monthly options of 3, 6, or 12 months when Aplazo is offered directly by the merchant. Customers can use online checkout, scan a store QR code and confirm a plan in the app, or generate an in-app virtual card for a selected store and purchase amount. That card only works at the selected store, and its payments are biweekly. Before confirming, customers can review payment amounts, dates, total cost, and applicable charges; early payments are also available in the app. Registration calls for identification, a selfie, a mobile number, and personal details, but prior credit history is not required. Spending amounts and terms vary by account and purchase. Aplazo offers e-commerce integrations, a developer API, and a PrestaShop module for merchants. Its listed platforms are Android, iOS, web, and API; the service is listed as free.
Who it is for
Aplazo may suit people in Mexico who want installment payments at participating stores without a credit card. Merchants can use its e-commerce integrations, API, PrestaShop module, and dashboard.
What is good
- No prior credit history is required to register.
- Works through online checkout, QR code, or virtual card.
- Payment amounts, dates, and total cost shown before confirmation.
- Early payments can be made through the app.
- Merchant integrations, API, and PrestaShop module available.
What to know first
- Monthly options require Aplazo directly at the merchant.
- Virtual card purchases use biweekly payments.
- Virtual card works only at the selected store.
- Spending limits and terms depend on account and purchase.
Verdict
Aplazo offers several ways to split payments at participating Mexican stores, with payment details available before confirmation. Check which schedules apply to your purchase: monthly installments are limited to qualifying merchant-direct purchases, while virtual card payments remain biweekly.
Compared on buy now, pay later platforms
- Free plan
- Yes
- Checkout channels
- omnichannel
- Repayment terms
- 1, 3, 5, 8, or up to 12 biweekly installments
- Merchant platforms
- PrestaShop
- Merchant settlement
- same day
- Consumer regions
- Mexico
- Merchant dashboard
- Yes
