For retailers
Ask on WhatsApp. Collect at the counter.
There is no app to install and no account to open. If you buy stock from a distributor who works with us, you can ask to pay for it over the weeks it sells.
How you ask
You send a message on WhatsApp, in French or in English. You are identified by your number and a four-digit PIN that you choose. That is the whole of the account.
What you are told before you agree
What the stock costs, what the financing costs, how many payments there are, how much each one is, and the date of each. You see all of it before you accept, and you can decline.
How you collect
You are sent a code. You quote it at the counter you already buy from, and they release the goods. The money goes from the lender to the distributor — you receive stock, never cash.
How you repay
On the dates you agreed, with a reminder before each one. Paying late costs more, and how much more is capped and was written on the agreement you signed — it cannot grow past that however long you take.