Cofidis Pay:
Interest-free installment payments.

Buy Now, Pay Later (BNPL) is becoming increasingly popular: 46% of Portuguese consumers make installment payments in more than 8 purchases per year. Joining Cofidis Pay, the installment payment solution from Eupago and Cofidis, will boost your sales and increase your average order value.

Advantages of joining Cofidis Pay

✓ Increase your sales and average order value.

Offering installment payments in your online store can increase sales by 20% to 30%, according to statistics. Market studies also indicate that the average order value can grow by 30% to 50%.

✓ Accept installment payments without risk.

No need to worry about upcoming payments. Cofidis guarantees full and immediate payment, so there’s no risk for you. You also don’t need to become a credit intermediary — Eupago takes care of everything.

✓ Offer fast, interest-free credit to your customers.

Credit approval is immediate and final. The customer experience is efficient, secure, and smooth, without ever leaving the checkout. And the best part: for up to 12 months, there’s no interest on installment payments.

✓ Receive invoice payments within 24 hours.

Receive payment for installment purchases the next day. Cofidis immediately secures your payment, so you never have to worry about subsequent installments. After checkout, the credit relationship is between Cofidis and the customer.

✓ Use Cofidis Pay even without an online store.

If you don’t have an online store, receive installment payments through Eupago’s pay by link. Share the link with your customers via email, SMS, or private message so they can complete the purchase with Cofidis Pay.

Frequently Asked Questions about Cofidis Pay payments

How can I join Cofidis Pay?

If you’re already a Eupago client, contact us to activate Cofidis Pay. Once the service is added to your account, you can start using Cofidis Pay in your store’s payment gateway.
If you don’t have a Eupago account yet, you’ll need to register to join Cofidis Pay. Once we confirm your client account, you can easily activate multiple payment methods, including Cofidis Pay, credit card payments, direct debit, Multibanco, MB WAY, Payshop, paysafecard, paysafecash, and Edenred.

Can I use Cofidis Pay in my online store?

Yes! Eupago integrates with the main e-commerce platforms, including Shopify, WooCommerce, PrestaShop, Adobe Commerce, and Jumpseller. Currently, Cofidis Pay is available for stores on Shopify, PrestaShop, and WooCommerce. Just use our plugin and activate Cofidis Pay in the back office.

I don’t have an online store. Can I still use Cofidis Pay?

Yes. Although Cofidis Pay was designed with online stores in mind, Eupago offers a unique opportunity to receive installment payments even without a website. Just use the pay by link, which you can send to customers by email, SMS, or private message. The link directs them to a secure page where they can choose to pay in installments, by Multibanco, MB WAY, or credit card.
You can even use Cofidis Pay in a physical store, as long as your customers can complete the credit application online (via an app or the link).

When will I receive payments from Cofidis Pay? How do I know the customer will pay?

Eupago transfers the full purchase amount (minus commission) to your account on the next business day. Remember, Eupago is a payment institution supervised by the Bank of Portugal, so you can be sure your funds are secure.

What are the commission fees for installment payments with Cofidis Pay?

Eupago’s commissions are automatically deducted from the transaction value. To find out the Cofidis Pay commission for online stores, contact us using the “contact us” button.

Why choose Eupago for Buy Now, Pay Later (BNPL) payments in Portugal?

Eupago is always focused on continuously improving our gateway for online stores (and beyond). That’s why, in 2022, Cofidis and Eupago launched an innovative installment payment solution for e-commerce: Cofidis Pay.
For merchants, it’s a way to increase sales. For consumers, it allows access to all kinds of purchases and services without fees, bureaucracy, or interest.

We are an innovative, trustworthy company supervised by the Bank of Portugal. We don’t just innovate continuously in payment methods — we also develop new e-commerce integrations. Being a Eupago client gives you access to advantageous partnerships for installment payments and much more, all through a single provider and platform where you can control all your sales.

All the payment methods your customers use,

with the ease your business wants.

1. Apple Pay
2. Bizum | Sell more and better in Spain with Eupago
3. Bizum
4. Direct debit
5. MB WAY
6. Multibanco
7. PIX
8. Paysafecard
9. Payshop
10. Visa and Mastercard