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Charges

Charges is an APIO product that allows businesses to create installment-based payments, where a total amount is automatically split into multiple scheduled charges.

This is commonly used for financing, payment plans, or high-value purchases that need to be paid over time.

How Charges Work​

With Charges, a business defines:

  • The total amount to be charged
  • The number of installments
  • The payment method used for automatic collection

APIO automatically calculates and schedules each installment, handling payment execution and tracking.

Example​

A charge of CLP 1,200,000 split into 12 installments results in:

  • 12 automatic charges of CLP 100,000 each

Each installment is charged according to the configured schedule.

Charge Flow​

  1. Charge Creation
    The merchant creates a charge and specifies:

    • Total amount
    • Number of installments

    APIO divides the total amount across the installments.

  2. Payer Approval
    The payer is notified and must approve the charge in the merchant’s marketplace and register a payment method.

  3. Automatic Collection
    Once approved, APIO automatically charges each installment according to the schedule.

Special Installments​

APIO allows defining custom installment amounts.

This enables scenarios such as:

  • A higher first installment (e.g. CLP 200,000)
  • A higher specific installment (e.g. the 6th installment of CLP 400,000)

The remaining amount is automatically distributed across the other installments.

Prepayment and Manual Payments​

Payers can prepay installments or recover failed payments using alternative payment methods.

Supported options include:

  • Khipu
  • MercadoPago

These methods can be used to:

  • Pay installments in advance
  • Pay specific installments
  • Recover installments where automatic collection failed

Failed Installments​

If an automatic installment charge fails:

  • APIO marks the installment as unpaid
  • The payer can manually complete the payment using supported payment methods
  • Automatic charges continue for future installments unless restricted

Benefits of Charges​

  • Flexible installment-based payments
  • Automatic and manual payment support
  • Support for custom installment amounts
  • Seamless integration with Webpay Oneclick
  • Reduced operational complexity for merchants

Charges allow businesses to offer flexible payment plans while maintaining full control and visibility over installment collection.