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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.
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.
Choose the card that best suits you with the Plazox service to make your life easier.
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.
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.
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 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.
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.
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:
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).
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.
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.
(1) Split payment subject to the credit limit available and the conditions already agreed in your Unicaja credit card contract.
(2) Typical example of the APR calculated for the operation indicated above, i.e. for split payment for purchase of a minimum amount of €60 made on the 1st of the current month in the 3-month instalment mode with interest and calculated using a constant instalment repayment system: APR: 19%, APR: 20,77% paid with two instalments of €20.63 and a final one of €20.62. Total amount owed: €61.88, of which €1.88 is interest. Total cost of credit: €1.88.
Other means of contacting us.
Digital Banking
Access your Unicaja accounts and products by computer. The perfect tool to manage your day-to-day finances.
Mobile Banking
Immediate access to your Unicaja accounts and products. Consult and perform banking operations wherever you are.