Aplazo
Aplazo lets customers pay for purchases in installments at participating online and physical stores in Mexico, without a credit card.
What Aplazo is
Aplazo lets customers pay for purchases in installments at participating online and physical stores in Mexico, without a credit card. Depending on the store, account, and purchase, options 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, but only when Aplazo is offered directly at checkout; purchases made with its virtual card remain biweekly. In a physical store, customers can scan a QR code, select a schedule, review the plan, and confirm in the app. The virtual card is generated for a chosen store and purchase amount and will not work at a different store. Before confirming, customers can review amounts, dates, total cost, and applicable charges, and early payments are available in the app. Registration requires identification, a selfie, a mobile number, and personal details; prior credit history is not required. Spending amounts and terms depend on the account and purchase.
Good
- No prior credit history required
- Online, QR-code, and virtual-card payment options
- Payment amounts and dates shown before confirmation
- Early payments available in the app
Watch out
- Registration requires identification and personal details
- Virtual card works only at its selected store
- Monthly plans require direct merchant checkout
Who it suits
Aplazo suits shoppers in Mexico who want installment options at participating stores without a credit card. Its schedules and spending availability depend on the store, account, and purchase.
Verdict
Aplazo provides several ways to pay participating merchants over time without a credit card. Check the available schedule and charges before confirming, especially if using the virtual card.
The facts
Each one read from Aplazo's own pages, with the date it was checked.
The company
- Company founded
- Aplazo was founded in 2020.checked 4 Oct 2026
- Headquarters
- Mexico City, Mexicochecked 28 Sep 2026
What it does
- Credit availability
- Available spending amounts and terms depend on the customer's account and the individual purchase.checked 4 Oct 2026
- Early payments
- Customers can make early payments through the app.checked 4 Oct 2026
- Eligibility
- Registration requires identification, a selfie, a mobile number, and personal details; the maker says prior credit history is not required.checked 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.checked 4 Oct 2026
- Integrations
- APLAZO says it offers integrations for popular e-commerce platforms and an API for developers.checked 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.checked 4 Oct 2026
- Merchant integration
- The maker provides a PrestaShop module with installation, configuration, checkout, order-viewing, and payment-cancellation tutorials.checked 4 Oct 2026
- Merchant settlement
- APLAZO says it assumes the collection risk and pays merchants the full sale amount immediately.checked 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.checked 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.checked 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.checked 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.checked 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.checked 4 Oct 2026
- Privacy
- Its privacy notice says it implements administrative, technical, electronic, digital, and physical safeguards for personal data.checked 4 Oct 2026
- Privacy and security
- Aplazo says it applies administrative, technical, electronic, digital, and physical security measures to protect personal data.checked 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.checked 4 Oct 2026
- Security
- APLAZO says it protects data with industry-standard security technology and uses identity verification to restrict account access.checked 4 Oct 2026
- Store coverage
- APLAZO is described as available at participating physical and online stores across Mexico.checked 4 Oct 2026
- Support
- The privacy notice lists [email protected] as a contact address.checked 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.checked 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.checked 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.checked 4 Oct 2026
