Split payment for your purchases instantly when you pay with your credit card

You decide which purchases you want to pay for in instalments

It’s easier with Plazox, you decide if you want to split payment for your purchases of €60 or more at the time of payment.

With a single click you choose when to pay for your purchases

When you pay with your credit card, you only need one click to split your purchase into 3, 6, 9 or 12 months.

For purchases with your credit card

Split payment for your purchases with your Unicaja credit card both in physical shops and on the Internet.

Instant, with no paperwork or formalities

Service available for credit card holders, with no paperwork or formalities(1) and with the security of Unicaja.

plazox-particulares-unicaja-banco plazox-particulares-unicaja-banco


Split payment for your purchases over up to 12 months in physical shops or on the Internet

If you are a Unicaja credit card holder, you now have access to Plazox, a new way of splitting payment for your purchases into instalments. Whether it’s a treat, an unexpected expense or a trip, you can split your payment over 3, 6, 9 or 12 months at the click of a button, both for purchases in physical shops and online at participating merchants. Now you decide how and when you want to pay according to your needs, without formalities or paperwork and with the guarantee, confidence and security of Unicaja.

Logo Plazox

Split payment for your purchases at any shop that offers the Plazox service

When you pay with your personal credit card, the screen of the point of sale terminal (physical shop) or the computer payment screen (e-commerce) will display the different split payment options with their corresponding amounts.

How to split payment with Plazox


Choose to split payment

When you initiate the payment with your credit card and after entering your PIN or validating your identity in an online purchase, you can choose to pay the total amount of your purchase or to split payment.


Choose the number of instalments

 If you decide to split payment, you can choose whether to pay over 3, 6, 9 or 12 months.


Confirmation of payment

To complete payment, accept the terms and conditions of the transaction. It's as easy as that.

Frequently asked questions about splitting payment with Plazox

What do I have to do to benefit from Plazox split payment? Which cards have this service?

You don't have to do anything. This split payment service is available on Mastercard and Visa credit cards for individuals. 

Credit cards whose only form of payment in shops is deferred payment, FIT Cards and those held by legal entities are excluded.

In which stores can I split payment for my purchases? And for online purchases?

In general, the Plazox instant payment splitting service is available in most sectors of activity with POS terminals provided by financial institutions (for both online and physical purchases), with the exception of purchases made in casinos, charities and NGOs, massages and saunas, telephone top-ups, motorways, transactions classified as low value and unattended POS.

How do I split payment with Plazox? What do I have to do?

If you are buying in a physical store, you only have to initiate the payment with your credit card that has this service, enter your PIN as you would for any other normal purchase and follow the instructions. To do this, the shop will hand you the terminal. Choose the financing term you are most interested in and complete the process by following the instructions.


If you are shopping at an online store and the Plazox service is enabled on your card, the purchase process will open a screen with the split payment options. You will be able to finance your purchase in a single click by choosing the option that interests you most and giving your consent by checking the acceptance of the conditions (¨do you wish to split payment?¨) that will appear below.


In both cases you have the option of not splitting payment and the operation will be carried out in the same way as for any purchase that is not paid in instalments.

What kind of purchases can be paid in instalments with the Plazox service?

Purchases with a minimum amount of €60 or €100, depending on the sector of activity and as long as the business supports Plazox, although each shop can increase this minimum amount, up to a maximum of €500. For this reason, we recommend that you check the minimum amount of the transaction with the establishment.


The sectors of activity for both minimum amounts are:

  • From €60 for travel agencies, hotels, passenger transport, jewellers, vehicle rentals, leisure and entertainment, mail order/telephone order, retail trade and purchases other than food in hypermarkets.
  • Minimum amount of €100 for food purchases in hypermarkets and supermarkets, petrol stations, pharmacies, drug stores and restaurants.

How many instalments can purchases be split into?

Purchases can be split over 3, 6, 9 or 12 months, as long as the amount of each monthly instalment is at least 20 euros(2).

Do I have to do any paperwork or wait for approval at the moment of the purchase?

You don’t have to do any paperwork, fill in any questionnaires or wait for any additional approval. You only have to give your consent, following the indications that you will receive during the purchase process, either in a physical or online shop.

Is Plazox a secure service?

You can use Plazox for your purchases with complete peace of mind as you have the guarantee, confidence and security that it is Unicaja who facilitates the split payment.

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