Buy Now, Pay Later (BNPL)

Installment payments for your customers

Get paid in less than 48 hours, without worrying about being charged.
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Choose what options to offer in your store

Activate installments only, installments only, or both as appropriate. Set everything up in minutes and your customers pay however they want.

Payments in 3, 6, 9 or 12 installments

The total amount of the purchase is divided into fixed monthly installments.

Deferred payment to 15 or 30 days

Your customers make a one-time payment in 15 or 30 days.

Payment in 1 immediate installment

Your customers make a one-time payment at the time of purchase.

Available at all your points of sale

Activate installments only, installments only, or both as appropriate. Set everything up in minutes and your customers pay however they want.

Online

Integrate Cleo into your ecommerce with our plugins or APIs.
Your customers choose how to pay directly at your checkout.

Store

Accept cardless installments at your store. Approve purchases in a few minutes without any additional hardware.

Why choose Cleo to finance your customers

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No risk for your business
We assume the risk of collection and administrative management. You sell without worrying about defaults.
Payment in less than 48 hours
You receive the amount in less than 48 business hours. Your cash flow doesn't depend on when the customer pays.
Approval in a few minutes
We validate the identity and approve the purchase in a few minutes. No waiting for them to make you lose sales.
No need for cards
Finance customers without cards. It reaches those who do not access traditional credit.
24/7 support
Help is available when you need it, every day. We solve doubts and problems without making you wait.
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Hassle-free integration

We've been with you since day one. And then too.
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Plugins for your ecommerce platform

Web portal for creating payment sessions in physical stores

We teamed up with the best in the industry

Join businesses that use Cleo

Sky Airline
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Best for Pets
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Kappa
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Ecofarmacias
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Open English
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New Web
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Jugetes Ingenium
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Emporio Organika
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Ecoescencias
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Chilevapo
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Vulzee
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Feminas
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Mis mascotas
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Decantopía
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Poscali
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Comocultivo
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Open English
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Ecofarmacias
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Oficial
Superga
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Sky Airline
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Oficial

Manage everything from one place

With the Cleo portal, you have control of your entire operation in real time. All on a single platform.

Monitor sales and customers

Review each sale, check the order status and access the purchase history of each customer.

Cancel orders

Cancel orders in whole or in part when necessary. We take care of the returns to the customer.

Consult liquidations

Review the details of each payment received, with amounts discounting commissions. Transparency in every transfer.

Create sales sessions

Generate payment sessions for physical store sales. Validate customers and close sales in a few minutes.
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How does it work for your customers?

1. They choose Cleo as their payment method
They choose our option when they pay online or in your physical store.
2. We evaluate and approve instantly
The purchase is approved with a quick process: they enter their phone number, receive a code and confirm with their bank and Unique Key.
3. They choose how to pay
Terms of 14 or 30 days, or up to 12 installments. It depends on the options you enable in your business.
4. Get paid in less than 48 hours
Your customers pay later, but you get the full amount without waiting. We assume the risk.
Step 1
Step 2
Step 3
Step 4
They choose Cleo as their payment method
They choose our option when they pay online or in your physical store.
We evaluate and approve instantly
The purchase is approved with a quick process: they enter their phone number, receive a code and confirm with their bank and Unique Key.
They choose how to pay
Terms of 14 or 30 days, or up to 12 installments. It depends on the options you enable in your business.
Get paid in less than 48 hours
Your customers pay later, but you get the full amount without waiting. We assume the risk.

FAQs

We're here when you need help.
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How do odds work with Cleo?

Your customer chooses to pay in installments or in installments during checkout, without the need for a credit card (only with their RUT). You receive payment in less than 48 hours and Cleo assumes 100% of the collection risk, being responsible for collecting the fees from the customer and for any management in case of default or default.

Can I offer installments and installments at the same time?

No, they are different modalities.

When do I receive payment for purchases made with Cleo?

Deposits for purchases at your store are made the next business day, unless you have requested a specific date.

What happens if a customer doesn't pay?

You receive the full payment while Cleo assumes the collection risk. To use Cleo, the customer signs a contract, and if he doesn't pay his fees, he can be reported to Dicom.

What happens if my client is rejected?

You can offer other payment options, such as a bank button transfer.

Do I need to make technical changes to my store?

In a physical store, no. You just need to learn how to use Cleo's software, which is simple and fast.

What if my customer wants to return a product?

Returns are managed by your store according to your policy. Once confirmed, you can make the refund from the Cleo portal and we cancel the customer's debt.

Start selling with Cleo

Let's talk and discover how offering installments and installments without a card can multiply your sales.
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We are a payment platform that helps businesses to sell more and people to buy without complications.
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