A new channel for financing purchases.
Connect your credit products with merchants and customers through the AMIO digital platform. The bank stays responsible for the credit decision, financing terms and the credit relationship.
Book a partnership callExtend your distribution
Offer your products through a network of merchants, right at the moment of purchase.
Keep control
You define the credit criteria, offer terms, approval process and collection.
One technology integration
Connect your systems with the AMIO platform through an agreed integration model.
A digital customer process
The customer starts at the merchant and continues the financing in a digital experience connected to your systems.
Credit obligation overview
AMIO supports showing repayment plans and connecting to your system for secure instalment payments.
Operating model
- 1
Merchant
Creates the purchase
- 2
AMIO
Connects the participants
- 3
Bank
Approves the financing
- 4
Customer
Follows obligations in AMIO
- 5
Bank or payment partner
Collects instalments
- 6
AMIO
Updates the status after the bank confirms
Target architecture concept. Merchant payouts and customer collection follow the model agreed with the bank or an authorized payment partner.
Money and collection stay with you
The bank or its licensed payment partner handles merchant payouts and instalment collection. AMIO never receives or holds customer funds.
Cooperation model
Agreement
Commercial terms, technical integration, data protection, responsibilities and operations are defined in the partnership agreement.
How AMIO earns
AMIO charges merchants for using the platform. Any distribution fee is agreed separately with the bank, only where contractually and legally permitted.
Multiple banks
When several banks are connected, the rules for showing offers are defined and transparent in advance. Customer data goes only to the bank the customer consented to.
Let us explore working together.
Talk to the AMIO team about a pilot integration and distributing your products.