In Mexico, people bought on trust long before banks became part of everyday life. The owner of the corner store knows you by name, writes your purchase in a notebook and waits until payday. That notebook runs on trust, and it has worked for generations.
Capyplazo turns that notebook into one credit line for every place you buy: the store counter, the online checkout and the bills at home. The more you pay on time, the more it trusts you back.
Capyplazo is building a credit network for the way Mexico shops. It works in online stores, at the counter of the shop around the corner and in the Capyplazo app, where everyday bills and services can be paid in parts too. The more someone uses it well, the better it gets.
From one checkout to a network
Paying later often lives at a single checkout. Capyplazo is built as a network instead: a shopper’s plans, payments and record live in one place, whatever they bought and wherever they bought it.
Needs don’t come in one size. It might be something needed today and paid over the next few quincenas, a fridge or a laptop paid over a year, or a bill that can’t wait. Capyplazo fits each of these moments, the way a shop owner always found a way for a good regular.
A bigger limit isn’t a better deal
Every payment made on time says something about a person. The owner of the corner shop has always known it: the customer who pays on time gets a little more trust the next time. Capyplazo is built so that it adds up. Each credit can be a little better than the last: in price, in term and in the places it can be used. Over time, a good record can bring a rate close to what a big bank gives its best salaried customers.
Reliable doesn’t mean salaried
More than half of working people in Mexico earn their living on their own terms: running a stall, driving, freelancing or getting paid in cash. Their income can be harder to show on paper, even when they pay reliably and everyone at their local shop knows it. Capyplazo looks at how people pay, not only at the documents they hold.
Paying in parts, open to more people
Meses sin intereses is one of Mexico’s favourite ways to buy big things, and it is usually linked to a credit card. Capyplazo opens paying in parts to more people, in more places, including those who never had a card but always paid on time.
A growth partner for stores
For stores, Capyplazo means offering instalments without running credit themselves. Capyplazo checks the customer, carries the risk and collects every payment, and the store is paid in full. No more chasing payments or keeping accounts in a notebook behind the counter.
Online, Capyplazo sits at checkout next to the other ways to pay. At the counter there is nothing to fill in: the customer applies on their own phone.
Paying in parts should open more doors for people who pay on time, and for the stores that sell to them. That is why we built Capyplazo.