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Buy now, pay later
By Mei-Lin Chua
Contributing editor, apps and storefronts
PayPo - Daj sobie czas is a free app for buying now and paying later, with purchases from popular online shops and physical stores, including shops abroad. You confirm an order in the app and settle the bill afterwards, so it suits people who want to see and try goods before they pay for them.
The app handles two things: deferred payment for purchases made through its service, and a PayPo card for shops where the service is not offered. The listing says which deferred option is available depends on the shop, and you can check that in each store.
The build we hold is PayPo - Daj sobie czas 1.6.2 (APKS split bundle) for Android 10 and up.
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With deferred payment, you place an order and confirm it in the app. You are not charged until the products reach you and you have looked them over at home. Items you do not want to keep are not paid for, so you only settle for what you decide to keep.
Repayment is due either 30 days after the purchase at no extra cost, or later, depending on which option the shop offers. The app's payment list shows the amounts and dates you still owe.
The PayPo card can be used in physical and online shops where PayPo was not previously available. You create it inside the app, without paperwork beyond what the app asks for. The listing says there is no fixed monthly fee for keeping the card, and you use it only when you need it.
Current transactions and upcoming repayment dates are kept in the app, so you can check what you have spent and what is due without leaving it.
The PayPo card can be used to pay in foreign currencies. The listing presents this for travel and for shopping in overseas online stores, so the same card works for trips as well as for home purchases.
Because the card sits in the same app as the deferred payment service, foreign spending appears alongside your domestic transactions and repayment dates.