Turn hesitation into commitment
A debt-free instalment tool that lets customers split the cost of high-ticket purchases over time, paid directly to you. No credit checks, no banks, no third parties.
How It Works
Step 1
Set Up a Saving Plan
Select the number of monthly installments for the product/service you want.
Step 2
Pay Over Time
Split your purchase into convenient and affordable monthly installments.
Step 3
Complete and Earn
Finalize your purchase to unlock the incentive you've earned.
Key Benefits
Why it matters
Capture sales from customers who want to buy but cannot pay in full today
Start a plan in-store, or in your website. The solution embeds into your existing stack.
The bigger the purchase, the more a customer needs flexibility. Flexible Payment Plans work for any transaction value with no upper limit on transaction value
Offer a reward — 5–10% off — that only unlocks when the plan completes. You pay for conversion, not for interest.
Define your own refund, cancellation, and fulfillment policies from your merchant portal. The customer relationship stays with your brand throughout.
Customers are pre-paying for their purchase , not borrowing. Every payment goes directly to you through your existing payment provider. No credit check, or waiting is required.
How It Works
Step by step
Customer starts a plan
In-store or online, the customer selects a product and sets a payment schedule that works for them.
Payments flow to you
Each instalment is paid directly to you, through your existing payment infrastructure.
Track in real-time
Both you and the customer see live progress. Automated reminders keep plans on track without manual effort.
Purchase completes
When the plan is fully funded, the customer collects their product. Offer a completion bonus to reward commitment.
Merchant Portal
Everything in one dashboard
Manage active plans, configure policies, track revenue, and monitor completion rates from a single portal. No spreadsheets, no manual reconciliation.
- Real-time view of all active saving plans
- Revenue tracking and completion rate analytics
- Policy configuration with instant updates
- Customer communication history and status
SNBL Manager
Velvet Sofa – Emerald
Brand
Marble Dining Table
Brand
Oak Bookshelf – Tall
Brand
King Storage Bed
Brand
Accent Armchair
Brand
YOUR RULES, YOUR WAY.
Store policies you control
Every business operates differently. Increo does not impose a one-size-fits-all model. You configure the policies, we enforce them automatically.
Configurations
Configure and manage store-wide cancellation, refund, and change-of-mind policies for your customers' SNBL purchases.
Allow customers to switch to save for a different product or offer at any time.
Policy is disabled WHEN Payment Progress is Greater than or equal to 50%
Policy is disabled WHEN Brand is Maison AND Product Category Is Not Outdoor Furnitures
Customers can cancel the service plans at any time and receive store credits instead.
Customers can request a full refund for their payment made so far.
Instalment schedules
Set monthly payment frequencies and define the number of instalments allowed per plan. Fully configurable per product or category.
Change of mind
Enable or disable change-of-mind windows. You decide whether customers can cancel and under what conditions.
Refund rules
Full refund, partial refund, or store credit only. Configure what applies when a customer exits a plan early.
Dynamic terms & conditions
Auto-generate T&Cs based on your policy settings. Each plan reflects your exact rules, no legal guesswork.
Completion incentives
Offer 5 to 10% discounts or bonus rewards to customers who complete their plans. Drive fulfilment rates up.
Store credit
When a customer exits early, optionally convert their balance to store credit instead of a cash refund.
Real-World Examples
See it in action
Furniture showroom
A customer falls in love with a 4,500 euro sofa. Instead of walking away, they start a 3-month plan and pay 1,500 euro per month.
Jewellery store
An engagement ring priced at 8,000 euro. The buyer saves over 6 months with automated monthly deposits.
Cosmetic clinic
A patient wants a 7,000 euro procedure. They start a 5-month plan after their consultation, fully funded before treatment day.