Confesercenti Torino has signed a strategic agreement with Pay Oh, a fintech company specializing in Buy Now, Pay Later deferred payment services. This partnership introduces an innovative solution in Turin that allows customers to divide purchases into 3, 4 or 10 installments, while merchants immediately collect the full amount.

The agreement represents a concrete opportunity for Confesercenti members, in a Turin economic context marked by challenges for small and medium-sized enterprises. According to the association, it is a flexible tool that breaks down barriers to purchase and promotes an immediate increase in sales. The benefits for merchants include an increase in sales and the average receipt, thanks to the installment plan that makes products more accessible and stimulates higher purchases. The solution also makes it possible to expand the customer base, attracting consumers who are particularly attentive to the possibility of paying in several tranches without introducing additional risks for the shopkeeper. Pay Oh directly manages credit and guarantees immediate collections by applying economic conditions dedicated to Confesercenti members. The activation of the service takes place through an entirely digital procedure that minimizes bureaucratic burdens and does not involve hidden costs, with the availability of continuous support.

In the context of a Turin entrepreneurial ecosystem that is increasingly attentive to tech solutions, the Buy Now, Pay Later model is proposed as a competitive lever for both physical and online activities. Pay Oh uses rapid credit assessment systems that reduce the typical time of traditional financing and meets the needs of a market where flexibility in payments is a decisive factor.

For merchants , the impact concerns both cash flow management and knowledge of their customers. Collections remain immediate and predictable while the data generated by transactions can be used to refine the commercial offer. Confesercenti underlines how this agreement can affect the daily management of activities and support the growth of business volume in a phase of economic recovery.

This initiative strengthens Turin’s positioning as a city attentive to innovation applied to commerce, in which digital tools and entrepreneurial tradition collaborate to improve competitiveness on the national market.