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Allegro Merchant Finance
How to use Allegro Merchant Finance
With Allegro Merchant Finance, you can fund your ongoing business operations and settle obligations towards Allegro.
Allegro Merchant Finance is a service that allows you to open a revolving limit of up to 150,000 PLN. You can use it in two ways:
- to withdraw money for business purposes
- to automatically settle your obligations towards Allegro.
PragmaGO S.A. provides the financing and determines the maximum limit for a given seller each time.
You can activate Allegro Merchant Finance online, in no more than 3 minutes. You will only need the company owner's ID.
Who can use Allegro Merchant Finance
You can use this service if you have, among others:
- an active and verified business account
- Polish ID card
- business registered in Poland
- Polish bank account number.
Check all the requirements in the Terms & Conditions of the service.
What a revolving limit is and how it is calculated
The limit is the maximum amount of funds you can request to pay out. The limit can change depending on the level of your sales on Allegro, as well as other factors — for example, if you miss payments on your earlier loans.
The limit will renew, which means that the current balance available for payout will increase each time you pay an installment of the paid-out financing.
Awarding a limit is free of charge — this way, you get access to additional funds whenever you need them.
How to activate a loan with Allegro Merchant Finance
- Go to the Allegro Merchant Finance page.
- Use the calculator to select the appropriate amount and repayment time for the first payout. We will only display the calculator if you meet the requirements to use the service.
- Click [apply].
- Provide your PESEL (Personal ID No.) and your ID card number in the application. We will complete the remaining data automatically, based on your Allegro account information. Check whether they are up-to-date. If not — change them in this tab.
- Select the required consents and accept the Terms & Conditions.
- Click [send]. Done!
PragmaGO will verify your data and decide whether to award you the limit. They will also confirm it is possible to pay out the funds.
If the decision is positive, you will receive a text message with an authorization code to the phone number you provided in the application. Review the documents you will see on the agreement conclusion screen. After that, enter the authorization code in the appropriate field and click [confirm]. The transfer of funds will be ordered to the bank account number you provided in the Payout Settings tab.
How automatic settlement of fees in Allegro Merchant Finance works
This option allows you to pay your Allegro fees and commissions with the funds within your credit limit, and at the same time freely use your sales funds.
We will pay your obligations towards Allegro throughout the billing month. You will repay the accrued fees in the Allegro Merchant Finance dashboard between the first and the third day of the following month, with no commission (for the first 3 months from the service activation date). You can also defer the repayment further.
How to activate automatic settlements with Allegro Merchant Finance
- Go to this website.
- Click [aktywuj usługę] (activate service).
- Provide your PESEL (Personal ID No.) and your ID card number in the application. We will complete the remaining data automatically, based on your Allegro account information. Check whether they are up-to-date. If not — change them in this tab.
- Select the required consents and accept the Terms & Conditions.
- Click [send]. Done!
PragmaGO will verify your data and decide whether to award you the limit. If the decision is positive, you will receive a text message with an authorization code to the phone number you provided in the application.
Review the documents you will see on the agreement conclusion screen. After that, enter the authorization code in the appropriate field and click [confirm].
Then, choose the Allegro accounts where you want to use Allegro Merchant Finance to automatically finance the fees for our services. You can select:
- only the account you are submitting the application on or
- all of your Allegro business accounts.
From this moment, we will start collecting fees from your credit limit instead of your current sales.
Allegro Merchant Finance Terms & Conditions
Check the Terms & Conditions of the service (available only in Polish).
You can use Allegro Merchant Finance if you meet the requirements in the Terms & Conditions of the service (available only in Polish), such as:
- an active and verified business account
- Polish ID card
- business registered in Poland
- Polish bank account number
- consent to profiling of your personal data by Allegro.
If you believe you should be able to activate this service, click the [contact us] button below this article.
The transfer of funds will be ordered to the bank account you provided in your Allegro account settings. Learn how to withdraw the money.
Awarding a limit is free of charge — this way, you get access to additional funds whenever you need them.
The fees start when you pay out the funds from your awarded limit to a bank account. The amount depends on the risk assessment that PragmaGO carries out. You will always see that amount before submitting the application. It will be included in the installment amount, as well as in the total amount to repay.
You only pay the operational commission included in every installment — you do not need to worry about changes in percentage rates during the term of the loan agreement.
You will repay the loan in installments, in line with the declared repayment period. In the agreement we will display to you, you can find, among others:
- the detailed repayment schedule
- the bank account you will make payments to.
- You approve the loan agreement via an SMS code.
Before each installment's due date, PragmaGO will send you a payment reminder, together with a fast payment link. You will receive it at the email address you provided in the application.
Yes, you can make a repayment earlier. If you decide to repay early, PragmaGO will reduce the operational commission — depending on how long you were using the capital.
The commission rate to be adjusted is each time calculated individually by PragmaGO, based on your application. When this happens, your invoice will be corrected and PragmaGO will determine the settlement method with you.
To repay your obligations early, contact PragmaGO S.A. via this form or email: reklamacje@pragmago.pl. You will not bear any additional costs related to submitting or processing the request for early repayment.
PragmaGO will send you a reminder. If you do not pay the appropriate amount, PragmaGO will be able to request that funds from your sales on Allegro be redirected to their account. When you pay the overdue installment, the funds from sales will go to your account again.
Even if the amount due is collected from your sales funds, you must still fulfill the order from the buyer — in accordance with the Allegro Terms & Conditions.
Yes. You can opt out of the limit with a 30 days' notice period. To do this:
- Repay all your obligations towards PragmaGO. Your balance should be 0 PLN. Check the rules regarding early repayment.
- Send an opt-out declaration to allegro@pragmago.pl, or submit it via the Allegro Merchant Finance dashboard.
If the service has been enabled on your account, but you are not using it, you will not incur any costs. This way, you have access to Allegro Merchant Finance whenever you need it.
The percentage rate depends on the time of repayment. You decide when you pay.
- for repayments within 3 days after the end of the billing month
For the first 3 months from the activation date, the service will be free of charge for you. See the promotion conditions (available only in Polish).
After the promotional period ends, we will charge a commission — 2.49% of the funds paid out for a one-month deferral. You only pay for the days when you use these funds.
- for repayments deferred by another month
If you do not repay your obligation on time, we will automatically extend the payment deadline by another month. For a subsequent deferral, you will pay 4.79% of the outstanding amount.
- for repayments within 6 months
If you do not pay on time, your repayment will be divided into 6 equal monthly installments. 3.39% of the outstanding amount will be added to each monthly installment.
Yes, you just need to suspend billing in the Allegro Merchant Finance dashboard. We will start collecting the fees and commissions from your sales funds. At any time, you can return to financing fees from the funds accrued within your Allegro Merchant Finance credit limit. You can also suspend using Merchant Finance by changing the source of funds in the Automatic Settlements section in the Settlements with Allegro tab.
You can conveniently repay your obligations through the Allegro Merchant Finance dashboard.
In the Upcoming Repayments section you will see the amounts and payment deadlines for each application. You can pay that amount using the fast payment option.
