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Aplazo

Free plan AndroidAPIiPhoneWeb

What Aplazo is

Aplazo lets people pay for purchases in installments at participating online and physical stores across Mexico, without using a credit card. Depending on the store, account, and purchase, payment schedules include biweekly installments, while 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. In physical stores, customers can scan a QR code, select a plan, review it, and confirm in the app. Customers can also generate a virtual card for a selected store and purchase amount; that card is limited to the chosen store and uses biweekly payments. Before confirming a purchase, customers can review payment amounts, dates, total cost, and applicable charges. Registration requires identification, a selfie, a mobile number, and personal details, but prior credit history is not required. Spending limits and terms depend on the account and purchase, and early payments are available in the app. Aplazo offers integrations for e-commerce platforms and an API for developers. It is listed as free and available on Android, iOS, web, and API.

Who it suits

Aplazo suits people in Mexico shopping at participating stores who want installment payments without a credit card. Merchants can use its e-commerce integrations, API, and PrestaShop module.

What it does well

Works at participating online and physical stores.
Offers payment plans without requiring prior credit history.
Shows amounts, dates, total cost, and applicable charges before confirmation.
Allows early payments through the app.
Provides e-commerce integrations and a developer API.

What to know first

Monthly plans require direct merchant availability and eligible purchases over $5,000 MXN.
Virtual card purchases use biweekly payments.
The virtual card is limited to its selected store and amount.
Registration requires identification, a selfie, a mobile number, and personal details.

Limits

Monthly payments of 3, 6, or 12 months are available only for qualifying purchases over $5,000 MXN when Aplazo is selected directly through a participating merchant. Virtual card purchases use biweekly payments and the card is limited to the selected store and purchase amount. Available spending amounts and terms depend on the account and purchase.

Getting started

Open the Aplazo website or use the Android or iOS app.
Register with identification, a selfie, a mobile number, and personal details.
At a participating online store, select Aplazo at checkout, or scan the store's QR code and confirm in the app.
For a virtual card purchase, generate a card in the app for the selected store and purchase amount.
Review the payment amounts, dates, total cost, and applicable charges before confirming.

Verdict

Aplazo provides several ways to pay at participating Mexican stores, with plan details shown before purchase confirmation. Monthly payment options have specific purchase and merchant conditions, while virtual card payments remain biweekly.

Questions

Is Aplazo free?

Aplazo is listed as free.

Where can customers use Aplazo?

It is available at participating online and physical stores across Mexico.

Does Aplazo require a credit card or credit history?

Aplazo says a credit card and prior credit history are not required. Registration requires identification, a selfie, a mobile number, and personal details.

What payment schedules does Aplazo offer?

Depending on the store, purchase, and account, customers can use biweekly installments, including 1, 3, 5, 8, or up to 12 payments. Eligible purchases over $5,000 MXN may have monthly options of 3, 6, or 12 months through participating merchants.

Which platforms does Aplazo support?

Aplazo is available on Android, iOS, web, and API.

What does Aplazo offer merchants?

It offers integrations for popular e-commerce platforms, a developer API, a merchant dashboard, and a PrestaShop module.

Facts from Aplazo's own pages

Company founded: Aplazo was founded in 2020. · kaszek.com, 4 Oct 2026
Credit availability: Available spending amounts and terms depend on the customer's account and the individual purchase. · webflow.aplazo.mx, 4 Oct 2026
Early payments: Customers can make early payments through the app. · webflow.aplazo.mx, 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, 4 Oct 2026
Headquarters: Mexico City, Mexico · aplazo.mx, 28 Sept 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, 4 Oct 2026
Integrations: APLAZO says it offers integrations for popular e-commerce platforms and an API for developers. · aplazo.mx, 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, 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, 4 Oct 2026
Merchant settlement: APLAZO says it assumes the collection risk and pays merchants the full sale amount immediately. · aplazo.mx, 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, 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, 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, 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, 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, 4 Oct 2026
Privacy: Its privacy notice says it implements administrative, technical, electronic, digital, and physical safeguards for personal data. · aplazo.mx, 4 Oct 2026
Privacy and security: Aplazo says it applies administrative, technical, electronic, digital, and physical security measures to protect personal data. · aplazo.mx, 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, 4 Oct 2026
Security: APLAZO says it protects data with industry-standard security technology and uses identity verification to restrict account access. · aplazo.mx, 4 Oct 2026
Store coverage: APLAZO is described as available at participating physical and online stores across Mexico. · webflow.aplazo.mx, 4 Oct 2026
Support: The privacy notice lists [email protected] as a contact address. · aplazo.mx, 4 Oct 2026
Virtual card: Customers can generate a virtual APLAZO card in the app for a selected store and purchase amount; payments with it are made in quincenas. · aplazo.mx, 4 Oct 2026
Virtual card restriction: The virtual card is generated for a selected store and purchase amount, and the maker says it will not work at a different store. · webflow.aplazo.mx, 4 Oct 2026
Ways to pay: Depending on the store, customers can pay through online checkout, a QR code at a physical store, or an in-app virtual card. · webflow.aplazo.mx, 4 Oct 2026

Where Aplazo stands on Freedom251

Buy Now, Pay Later Platforms#6 of 26