Payválida and Pagui announced a partnership to bring installment payments without credit cards to e-commerce checkouts in Colombia. The integration is available for stores built on Shopify, VTEX, PrestaShop, and WooCommerce. Merchants using Payválida can now add Pagui's financing option without building a separate integration.
How the partnership works
Payválida supplies the payment infrastructure, while Pagui supplies the credit network. The merchant receives the full sale value and does not assume portfolio risk or manage collections. Buyers request financing and pay in installments without leaving the purchase flow.
Pagui's merchant base
Pagui began by solving the same problem in physical stores. More than 700 merchants already use Pagui as a payment method. The company connects merchants with several financing entities that issue the credit.
Limited credit card access
Only 23.9% of adults in Colombia have a credit card, according to the 2025 Financial Inclusion Report. The same report says 10.9 million people have used financing through a merchant or telecom company rather than a bank. The Pagui button gives those shoppers a way to pay in installments online.
Payválida and Pagui will host a webinar on November 19 at 11:00 a.m. Colombia time. The session will demonstrate the buyer experience at checkout and explain merchant risk and receipt of funds. It will also walk through the steps to activate the Pagui button.