Pay in installments.One payment to 5 years.
Pick your schedule, choose how much to finance, split with friends. No flat late fees, just clear rules if you fall behind.
Payments and security powered by
A Visa card that lets you pay in installments anywhere.
A virtual Visa card in your phone wallet. You pick how to pay before every purchase.
- Works online and in-store, anywhere Visa is accepted
- Choose Instant Power, Yearly Power, SelfPay, or SmartPay before you swipe
- Set the number of installments and frequency (biweekly or monthly)
Customize how your card pays before every purchase.
Set your default plan in Card Mode. Your next swipe uses it automatically.
- Switch between Pay in Installments, SmartPay, or Card Funded anytime
- Configure your default plan, duration, and frequency
- Your next swipe uses whatever mode you have selected
Not just products. Pay for services too.
If the merchant accepts Allzpay, you can pay for any service the same way you pay for products.
- Works for any service: legal, home repair, medical, beauty, and more
- Same Instant Power, Yearly Power, SelfPay, and SmartPay options
- Split, customize, and extend just like any product purchase
Watch a product. We tell you when the price drops.
Tap Start Monitoring on any product. You get notified the moment something changes.
- Get an alert when the price drops
- Know when an out-of-stock item is back
- See the full price history over time
Discounts from partner stores, right in the app.
Browse offers before you shop, or see them applied automatically at checkout.
- Browse all active discounts before you shop
- Discounts appear automatically at checkout if you are eligible
- One tap to apply and the savings show instantly
Five payment options at checkout. You pick.
Every purchase gives you the same five choices.
- Instant Power: pay over up to 10 months for smaller purchases
- Yearly Power: pay over up to 5 years for bigger purchases
- SelfPay: our lowest rate at 6% APR, available for subscribers
- Supercharge: pay the full amount now directly with your cards
- SmartPay: the app picks your plan automatically based on your saved preferences
Buy together. Each person picks their own schedule and customization.
Invite anyone and set how much each person pays. The app collects everyone's share automatically.
- Split evenly or set custom amounts for each person
- Each person picks their own payment mode and schedule independently
- The app verifies the total adds up before anyone confirms
Send money to friends and let them pay you back in installments.
Your friend receives the money and can pay you back in installments.
- Send from your Instant Power balance, cards, or wallet
- Your friend pays you back in installments, not all at once
- Request Instant Power from a friend and they approve in one tap
Let the app pick your plan. One tap to confirm.
Set your preferences once. SmartPay handles the rest every time you check out.
- Set your preferences once: schedule, term length, and limits
- Works on solo purchases and on your share of a split
- Each person decides for themselves whether to use SmartPay or not
See every payment date and amount before you agree.
Choose your frequency, slide the duration, and see everything before you confirm.
- With SmartPay and verified income, biweekly payments anchor to your payday. Monthly follows the calendar.
- Delay your first payment by up to 30 days if you need time
- Subscribers at partner stores get the lowest interest rate (12% APR)
Our lowest interest rate. Just 6% APR.
A simple-interest plan at 6% APR, well below our standard rates — free for everyone.
- Just 6% APR, the lowest rate available in the app
- Simple interest spread evenly across every installment
- Available on every plan — no subscription required
Pay part with your cards and wallet. Finance only the rest.
Cover part of the purchase upfront. The app shows the full breakdown.
- Add any debit or credit card to pay a portion now
- Use your wallet balance (funded from your bank account) to cover more
- Mix multiple cards and wallet together in any combination
Pay each installment with cards, wallet, or both.
When an installment is due, you choose how to pay it. Every one can be different.
- Mix cards and wallet in any combination on each installment
- Use a different payment method every time if you want
- See the full breakdown before you complete the payment
Need more time? Push your payment forward.
Extend the due date by up to 2 weeks. No flat late fee, no penalty.
- Pick a new due date up to 2 weeks later
- 1 extension on plans under 6 months, 2 on longer plans
- No flat late fees, just clear rules if you fall behind
Can't pay the full amount? Pay what you can.
Slide to pick how much to pay now. The rest moves to your next payment.
- Slide to pick any amount between the minimum and the full installment
- The remaining balance moves to your next scheduled payment
- Add cards or wallet on top of the slider amount to pay even more
Going through a tough time? We can help.
Request a grace period or reschedule your plan if you need real relief.
- Reschedule: spread what you owe over additional months
- Grace period: pause all payments for up to 6 months
- Upload documents to support your request directly in the app
See the full checkout flow from start to finish.
Pick the plan that fits how you pay
Start free. Upgrade when you want bigger limits, autopilot scheduling, and full payment customization.
Access
Everything you need to pay your way.
Pay any way
Custom plans funded by your wallet, card and purchasing power
Power for up to 3 years
Instant and Yearly Power, with PartPay and extensions
With friends
Split purchases and send or request money
Smart and rewarding
SmartPay AI plans and partner discounts
Always covered
SelfPay's low rate, distress help and anytime chat
Soft credit check only
Ascend
Lower rates, smarter AI, and priority care.
Everything in Access, plus
Lowest APR
Our cheapest rate on every plan
Smarter AI
Sharper SmartPay and plan generation
VIP treatment
Priority support and bigger rewards
Cancel anytime once your active plans are paid
Ultra
Coming soonYour rate drops the more you commit
Subscribers paying at partner merchants unlock our lowest rate. Everyone else still pays an honest, capped rate.
SelfPay: our lowest APR
No flat late fees. No hidden fees. No setup charges. Ever.
Tools that grow with you
AI analytics, instant disputes, in-store QR payments, no hardware needed.
AI customer insights
Understand who is buying, how they behave, and what to do next. Personalized for your business.
15-minute integration
Sandbox first, go live when you're ready. Web-based POS needs no hardware at all.
Bank account safe
We never directly debit your bank for chargebacks. Recovery happens through future settlements + reserve.
3.99% – 5.99% + $0.30
3.99% + $0.30 on SelfPay transactions, 5.99% + $0.30 on everything else. Flat per-transaction. No setup fees, no monthly minimums, no surprise charges.
AI that actually understands your business
AI reads your customer behavior and gives you concrete next steps. Full charts for revenue, transactions, disputes, and demographics included.
- AI-generated next steps. Recommendations personalized to your transaction history
- Service or product views. Dashboards that match how your business actually runs
- Full demographic insights. Sales by hour, age, generation, city, and state for product merchants
In-store payments. Zero hardware.
Print a QR code. Customers scan, pick their payment method, and walk out. No hardware needed.
- Web-based POS. Works on any device with a browser
- No hardware costs. Print the QR, you're live
- Customer customizes on their phone. They customize on their phone, so your counter stays clear
Disputes resolved by AI in minutes
AI analyzes both sides and tries to resolve it. Complex cases go to a human reviewer with an AI-prepared summary.
- Instant AI analysis. Kicks in as soon as you submit your response, comparing both sides against the evidence
- Human fallback with AI prep. Complex cases reviewed by humans with AI-prepared evidence
- Bank account never debited. Refunds netted from settlements + reserve, not your bank
In-app discounts that find your customers
Create discounts in the dashboard. Our AI surfaces the most relevant ones to each shopper automatically.
- Create in seconds. Set the name, dates, min/max, and amount or percentage from the dashboard
- Target by SKU or category. Run discounts only on the products you want to move
- AI-matched eligibility. Each customer sees the offers their basket qualifies for, automatically
Plug in. Go live.
Merchants integrate Allzpay straight into their own sites with drop-in scripts, API keys, and step-by-step guides.
- Drop-in scripts & API keys. Add monitoring, products, and the checkout flow in minutes
- Customizable checkout. Shape the checkout flow and switch on exactly the features you want to enable
- Sandbox mode. Test the full integration end to end before going live, ready to use out of the box
Questions, answered
Everything you need to know before getting started.