3rate••• is the proprietary technology platform developed by Pay-Oh to enable and manage installment payments in a simple and effective way across physical retail stores and digital channels.
Through an integrated Mobile App and Web App, 3rate••• enables merchants to operate from a single interface to:
• activate multi-provider BNPL solutions;
• manage installment payments and immediate collections;
• generate Pay by Link for remote sales;
• operate both in-store and online, with consistent and centralized workflows.
The platform is designed to simplify the operational experience at the point of sale: it is intuitive to use, payment flows are automated, and integration with providers takes place via API, ensuring continuity and reliability in payment processes.
A distinctive feature of 3rate••• is its support infrastructure: the system integrates artificial intelligence tools for automated assistance and provides continuous support, operating 24 hours a day, 7 days a week. This allows merchants to work efficiently while reducing management time and technical complexity.
Thanks to the coordination and strategic support of Pay-Oh, 3rate••• has evolved into an ecosystem focused on driving revenue growth for its clients. The platform goes beyond payment management and becomes a commercial tool: it increases average ticket value, enhances purchasing accessibility, and improves conversion rates, both in physical stores and online channels.
3rate••• therefore represents a comprehensive technological infrastructure designed to transform installment payments into a concrete growth lever for local commerce.