How it works
From the QR code to the last instalment. This is every step and who is responsible for what.
The merchant creates a request
They enter the purchase amount and show you a QR code or send you a link.
You open the request on your phone
You see the merchant, the product, the price and the available financing options.
The financing partner reviews the request
The financing partner reviews the request and offers exact terms: instalments, dates, any interest, fees and the total.
You accept the offer
You see all terms before confirming and finish the financing partner's process.
The purchase is completed
Once the financing partner confirms, the merchant is told it can hand over the purchase.
You repay the financing partner
You pay your instalments to the financing partner under the agreement. An overview in the AMIO app is in development.
Who is responsible for what
For customers
The financing partner approves paying in instalments. AMIO helps you follow your purchase and obligations.
For merchants
AMIO connects your sales with the financing partner. Payouts follow its terms.
For financing partners
AMIO provides the technology and distribution layer. The approval decision, funds and collection stay under your control.