The first AI-powered payment app designed around you.
Pay for what matters at your own pace. Send money to friends in seconds, split purchases effortlessly, and let AI create payment plans that adapt to your budget, not the other way around.
Payments and security powered by
Meet your AI financial assistant.
Your personal AI assistant is available 24/7 to help you manage every part of your financial journey.
- Discover financing options tailored to your needs and create payment plans that fit your budget
- Send money to friends, split expenses, and track your payments
- Maximize your savings and get instant answers to your questions, anytime
Affordable financing that puts you first.
Enjoy some of the market's most competitive APRs and flexible payment plans designed around your budget.
- Pay at your own pace with AI-powered plans that adapt to your financial reality
- No hidden surprises, no unnecessary fees, and no products designed to keep you in debt
- Transparent financing that helps you move forward with your life
Flexible payments, your way.
Customize your payment plans exactly as you want, or let AI take care of the details for you.
- Take full control of your payments with the flexibility to structure them your way.
- Let AI do the planning to create a payment plan that works with your budget, timeline, and goals.
- Experience finance that's simpler, smarter, and built around you.
A fully customizable visa card that let's you pay anywhere.
Add a virtual Visa card in your phone wallet or request a physical card .
- Works online and in-store, anywhere Visa is accepted
- Choose your default card mode or let AI set it for you
- Your next swipe uses whatever mode you have selected
Watch a product. We tell you when the price drops.
Tap Start Monitoring on any product. You get notified the moment something changes.
- Get an alert when the price drops
- Know when an out-of-stock item is back
- Buy your product at the best price
Discounts from partner stores, right in the app.
Browse offers before you shop, or see them applied automatically at checkout.
- Browse all active discounts before you shop
- Discounts appear automatically at checkout if you are eligible
- One tap to apply and the savings show instantly
Buy together, everyone pays their way.
Invite anyone and set how much each person pays. The app collects everyone's share automatically.
- Split evenly or set custom amounts for each person
- Each person picks their own payment mode and schedule independently
- The app verifies the total adds up before anyone confirms
Send and Request Money Instantly
Sending or requesting money has never been easier. Set it up yourself or ask the AllzPay AI assistant to do it for you.
- Send money directly from your Instant Power balance, cards, or wallet.
- Request money from a friend: they can approve it in one tap.
- Simple, fast, and always under your control.
Finance only what you need.
Choose how much to pay upfront with your card or wallet, finance as much or as little as you need.
- Add any debit or credit card to pay a portion now
- Use your wallet balance (funded from your bank account) to cover more
- Mix multiple cards and wallet together in any combination
Pay each installment with cards, wallet, or both.
When an installment is due, you choose how to pay it. Every one can be different.
- Mix cards and wallet in any combination on each installment
- Use a different payment method every time if you want
- See the full breakdown before you complete the payment
Need more time? Push your payment forward.
Extend the due date by up to 2 weeks. No flat late fee, no penalty.
- Pick a new due date up to 2 weeks later
- 1 extension on plans under 6 months, 2 on longer plans
- No flat late fees, just clear rules if you fall behind
Can't pay the full amount? Pay what you can.
Slide to pick how much to pay now. The rest moves to your next payment.
- Slide to pick any amount between the minimum and the full installment
- The remaining balance moves to your next scheduled payment
- Add cards or wallet on top of the slider amount to pay even more
Going through a tough time? We can help.
Request a grace period if you need real relief.
- Grace period: pause all payments for up to 6 months
- Choose how many months to pause once your request is approved
- Upload documents to support your request directly in the app
AI customer insights
Understand who is buying, how they behave, and what to do next. Personalized for your business.
15-minute integration
Sandbox first, go live when you're ready. Web-based POS needs no hardware at all.
Bank account safe
We never directly debit your bank for chargebacks. Recovery happens through future settlements + reserve.
3.99% – 5.99% + $0.30
3.99% + $0.30 on SelfPay transactions, 5.99% + $0.30 on everything else. Flat per-transaction. No setup fees, no monthly minimums, no surprise charges.
AI that actually understands your business
AI reads your customer behavior and gives you concrete next steps. Full charts for revenue, transactions, disputes, and demographics included.
- Answers questions, completes tasks. The AI answers your questions and completes tasks for you
- AI-generated next steps. Recommendations personalized to your transaction history
- Service or product views. Dashboards that match how your business actually runs
- Full demographic insights. Sales by hour, age, generation, city, and state for product merchants
In-store payments. Zero hardware.
Print a QR code. Customers scan, pick their payment method, and walk out. No hardware needed.
- Web-based POS. Works on any device with a browser
- No hardware costs. Print the QR, you're live
- Customer customizes on their phone. They customize on their phone, so your counter stays clear
Disputes resolved by AI in minutes
AI analyzes both sides and tries to resolve it. Complex cases go to a human reviewer with an AI-prepared summary.
- Instant AI analysis. Kicks in as soon as you submit your response, comparing both sides against the evidence
- Human fallback with AI prep. Complex cases reviewed by humans with AI-prepared evidence
- Bank account never debited. Refunds netted from settlements + reserve, not your bank
In-app discounts that find your customers
Create discounts in the dashboard. Our AI surfaces the most relevant ones to each shopper automatically.
- Create in seconds. Set the name, dates, min/max, and amount or percentage from the dashboard
- Target by SKU or category. Run discounts only on the products you want to move
- AI-matched eligibility. Each customer sees the offers their basket qualifies for, automatically
Plug in. Go live.
Merchants integrate Allzpay straight into their own sites with drop-in scripts, API keys, and step-by-step guides.
- Drop-in scripts & API keys. Add monitoring, products, and the checkout flow in minutes
- Customizable checkout. Shape the checkout flow and switch on exactly the features you want to enable
- Sandbox mode. Test the full integration end to end before going live, ready to use out of the box
