How it works
Welcome to atokes.com! Here, you can buy your favorite products in two easy ways – one-time full payment or through handy payment plans. Let's walk you through our simple process:
There are 2 ways of Payment
1. One-Time Full Payments
If you prefer to pay all at once, we've made it simple for you. Just choose the product you want, put it in your shopping cart, and pay the full amount at checkout. It's as easy as 1-2-3!
2. Payment Plans – Pay in 5 to Pay in 10
We know that sometimes, it's easier to spread the cost over time. That's why we have payment plans. You start with our Pay in 5 plan. Once you show us you can make payments on time, you can move up to Pay in 10. Here's how it works:Step 1: Registration
Firstly, begin your registration process by providing some simple details - your email address, phone number, and a secure password. Then, obtain your customized Monthly Credit Limit (MCL). To do this, you'll need to connect to your e-banking service (whether it's BOC, Hellenic, or any other Cyprus bank) through our Credit Assessment Platform. Once connected, we'll swiftly assess your account and establish a monthly spending limit just for you. If you're interested in obtaining a higher monthly credit limit, you can request a reevaluation of your bank account. This process can be repeated once every three months.
Step 2: Start Shopping
Now you can shop! When you check out, we'll split your total into 5 easy payments. You pay the first payment right away with your debit/credit card, and the rest over the next four months.
Real life example
You want to buy an A/C unit which costs €700.
Your MCL is €100
You are allowed up to 5 Payments (Level 5)
Your payment plan will look like this:
•Pay Now - €200 + €100 = €300
•Pay in one month - €100
•Pay in two months - €100
•Pay in three months - €100
•Pay in four months - €100
Total - €700
Step 3: Get rewarded - Level Up
When you pay off your “Pay in 5” plan, you can move up to the “Pay in 6” plan. Keep making payments on time, and you can move up all the way to “Pay in 10”.
Once you pay off your Pay in 10 plan, your MCL will increase by 20% and then by 10% every time you finish a payment plan provided that your Payment Plans went smoothly (up to a maximum MCL of €500 per month).
Remember: If you're buying something that costs less than €300, you can only split the cost into 4 payments.
No Blocked Money
At atokes, we never withhold any money on your account. You can always use all your money.
Atokes Plus
Can't find what you want on our site? With Atokes Plus, you can buy any product, even if you can’t find it on our Marketplace. Just tell us what you want by completing the form in the atokes Plus section, and we'll add it to our Marketplace for you. Then you can place your order and benefit from our Payment Plans. Have in mind, there is a 20% service charge for atokes Plus which is automatically added to the total price of the product.
Note: You need to be approved and have a Monthly Credit Limit assigned to your account to use atokes Plus.
Got Any Questions?
If you have any more questions, check out our Frequently Asked Questions page or get in touch with our friendly customer service team.
At atokes, we make shopping easy and affordable. Let's get started!