Aplazo
Mexico City, Mexico
What it is
Aplazo lets people pay for purchases in installments at participating online and physical stores across Mexico, without needing a credit card. Depending on the merchant, account, and purchase, schedules include 1, 3, 5, 8, or up to 12 biweekly payments. Eligible purchases over $5,000 MXN may qualify for monthly payments of 3, 6, or 12 months when Aplazo is offered directly by the merchant.
Customers can use online checkout, scan a QR code in a participating physical store, or generate an in-app virtual card for a selected store and purchase amount. The virtual card is limited to that store, and its purchases are paid in quincenas rather than monthly installments. Before confirming, customers can review payment amounts, dates, total cost, and applicable charges; early payments can be made through the app. Registration requires identification, a selfie, a mobile number, and personal details, but prior credit history is not required. Spending availability and terms depend on the account and purchase. Aplazo is listed as free and supports Android, iOS, web, and API access. Merchants can use e-commerce integrations and a developer API.
For and against
For
- Supports online checkout, store QR codes, and virtual cards
- Payment details can be reviewed before confirmation
- Early payments are available through the app
- Prior credit history is not required
- Listed as free
Against
- Monthly options require Aplazo directly at a participating merchant
- Virtual card purchases remain payable in quincenas
- Virtual card works only for its selected store
- Registration requires identification, a selfie, and personal details
The verdict
Aplazo offers several ways to pay in installments, with payment schedules and spending availability dependent on the merchant, account, and purchase. Check the schedule and total cost before confirming, especially when using the virtual card.
Who it suits
It suits shoppers in Mexico who want installment payment options at participating stores without a credit card. Merchants may also consider its integrations, API, and PrestaShop module.
On the record
- Company founded
- Aplazo was founded in 2020.kaszek.com · read 4 Oct 2026
- Credit availability
- Available spending amounts and terms depend on the customer's account and the individual purchase.webflow.aplazo.mx · read 4 Oct 2026
- Early payments
- Customers can make early payments through the app.webflow.aplazo.mx · read 4 Oct 2026
- Eligibility
- Registration requires identification, a selfie, a mobile number, and personal details; the maker says prior credit history is not required.webflow.aplazo.mx · read 4 Oct 2026
- How to pay in store
- At participating physical stores, customers can scan a QR code, choose installments, review the plan, and confirm in the app.webflow.aplazo.mx · read 4 Oct 2026
- Integrations
- APLAZO says it offers integrations for popular e-commerce platforms and an API for developers.aplazo.mx · read 4 Oct 2026
- Intended customers
- APLAZO describes its service as a way to pay over time without a credit card, and says registration does not require prior credit history.webflow.aplazo.mx · read 4 Oct 2026
- Merchant integration
- The maker provides a PrestaShop module with installation, configuration, checkout, order-viewing, and payment-cancellation tutorials.aplazo-presta-docs.aplazo.mx · read 4 Oct 2026
- Merchant settlement
- APLAZO says it assumes the collection risk and pays merchants the full sale amount immediately.aplazo.mx · read 4 Oct 2026
- Monthly payment limit
- Monthly payments are available only through merchants offering APLAZO directly, and the maker says the virtual card uses biweekly payments instead.aplazo.mx · read 4 Oct 2026
- Notable limitation
- The monthly payment option is available only when APLAZO is selected directly at a participating merchant; virtual card purchases remain payable in quincenas.aplazo.mx · read 4 Oct 2026
- Payment options
- It offers installment options including 3, 5, 8, or 12 payments, and monthly payments of 3, 6, or 12 months for qualifying purchases over $5,000 MXN.aplazo.mx · read 4 Oct 2026
- Payment schedules
- The maker describes 3, 5, 8, or 12 installments, and monthly options of 3, 6, or 12 months for eligible purchases over $5,000 MXN.webflow.aplazo.mx · read 4 Oct 2026
- Payment transparency
- Before confirming, customers can review the total amount, installment amounts, and payment dates; a late payment may incur an additional charge.webflow.aplazo.mx · read 4 Oct 2026
- Privacy
- Its privacy notice says it implements administrative, technical, electronic, digital, and physical safeguards for personal data.aplazo.mx · read 4 Oct 2026
- Privacy and security
- Aplazo says it applies administrative, technical, electronic, digital, and physical security measures to protect personal data.aplazo.mx · read 4 Oct 2026
- Privacy eligibility
- The privacy notice says it applies to individuals aged 18 and older and that Aplazo will not request or store data from minors.aplazo.mx · read 4 Oct 2026
- Security
- APLAZO says it protects data with industry-standard security technology and uses identity verification to restrict account access.aplazo.mx · read 4 Oct 2026
