Apurata

Apurata is a point-of-sale financing platform for e-commerce merchants in Latin America. Its aCuotaz product lets shoppers pay for purchases in installments without a credit card, while the merchant receives the full amount upfront and pays a transaction fee. The checkout flow includes a short application form, an immediate approval decision, and installment terms set at the time of purchase.

aCuotaz supports up to eight equal installments paid every two weeks, with interest starting at 0% and no hidden costs for on-time payments. Merchants can offer instant financing, bank transfers, and immediate interbank transfers, and install the plugin in three clicks. The platform also provides payment reminders, order status checks on mobile, real-time payment notifications, and free data downloads. Purchase amounts range from S/ 100 to S/ 5,000, subject to credit performance, with transaction fees starting at 3.99% plus $0.30 per transaction and no maintenance cost for the management tools.

The product is aimed at e-commerce merchants and virtual stores that want to offer installment payments to customers without credit cards. Apurata integrates directly with the merchant's store and provides technical support during setup.