PagoDIL is a payment service offered through Cofidis that lets customers spread the cost of purchases at participating retailers, both in stores and online. Instead of paying the full amount upfront, eligible customers can divide it into monthly instalments, which are charged to their bank account. The service is presented as having no added costs or interest, subject to Cofidis’s approval.

Customers can use PagoDIL for purchases across categories including phones, furniture, electronics, bicycles and electric scooters, and televisions and audio equipment. In store, applicants provide a payment card, identity document and tax code; online, they can authenticate with SPID or provide identity details and a tax code, along with their IBAN. Applications receive a real-time response, and the company says no proof of income is required.

PagoDIL also provides participating businesses with payment solutions for point-of-sale and e-commerce transactions, alongside partner support. Cofidis reports that more than 25,000 partners use its business services.