QI Tech, a leading company in infrastructure for financial services, is partnering with Vivo to launch Vivo Pay Crediário, which allows customers to pay for electronics purchased in the company's physical stores in up to 21 installments.

This initiative reinforces a growing trend in the market: the integration of credit and the shopping experience. With QI Tech's infrastructure, companies with strong distribution capabilities can operate financial services efficiently, scalably, and in an integrated way within the consumer journey.

“Credit is no longer an isolated product; it’s a layer of the experience. What we are building is the ability for companies like Vivo to offer financial solutions at the exact moment of the purchase decision, with speed, control, and scale,” says Pedro Mac Dowell, CEO and founder of QI Tech.

With Vivo Pay Crediário, the company's customers can finance the purchase of electronics, such as cell phones, tablets, TVs, smartwatches, notebooks, and consoles, directly in the brand's stores. This option—which follows the Buy Now, Pay Later (BNPL) model—can be used as the primary payment method or combined with a credit or debit card, expanding purchasing possibilities and access to retail credit.

The operation was structured on QI Tech's infrastructure, which enables the entire financial product journey, from origination to settlement. For Vivo, this includes the banking integration of the operation, collection, and Investment Funds in Credit Rights (FIDCs), which are fundamental to guaranteeing the funding and scalability of credit operations in this model.

“Vivo Pay Crediário reinforces Vivo's positioning as a retailer with offers for all consumer profiles. This new feature expands the payment options for purchasing electronics in our stores and strengthens our strategy for the financial services segment,” says Leandro Coelho, director of Vivo Pay.

“Credit is no longer an isolated product; it’s a layer of the experience,” says Pedro Mac Dowell, CEO and founder of QI Tech.

Under the Vivo Pay brand, the company already offers personal loans, employee credit, and advance payment of FGTS (Brazilian employee severance fund) anniversary withdrawals. Together, these services generated revenue of R$ 488 million last year. In addition, the company has granted more than R$ 1.1 billion in credit since 2020, and approximately 39% of smartphones sold in its stores came with insurance coverage.

“When a company with the reach of Vivo adds credit to the purchase journey, it expands access, increases conversion potential, and creates a more recurring financial relationship with the consumer. Our role is to ensure that this happens with technological robustness, operational efficiency, and regulatory security,” adds Mac Dowell.

This launch reinforces how financial infrastructure is gaining prominence in the strategy of non-financial companies that wish to offer credit products with speed of implementation and an integrated experience. In this scenario, QI Tech acts as an enabler of this movement, connecting technology, regulation, funding, and execution capacity to transform distribution into high-value financial services.