Home Start Here What is Motito and how does it work?

What is Motito and how does it work?

Last updated on Dec 19, 2025

Motito helps you secure (lock) today’s price for an item and pay for it small small over time.

Motito started with a pay-later model in an earlier phase, but today we focus on PaySmallSmall — a layaway-first plan built for Ghana, where prices change fast and many people earn daily/weekly. As you pay on time and complete your scheduled plans, you build trust and can unlock Early Pickup (PSS Credit) — a privileged service that lets you collect your item before completing payment.

The Motito promise

  • Secure today’s price: You get price protection for a period so inflation doesn’t surprise you.

  • Pay small small: You can pay daily, weekly, or monthly.

  • Earn faster access: If you build trust by paying on time, you can unlock Early Pickup (collect before 100% payment).

The three core things Motito offers

  1. PaySmallSmall (our main plan)

    • You pay in installments over time.

    • You collect your item after you’ve paid enough.

  2. Keep My Price (KMP) (price protection)

    • KMP helps you keep your original price while you pay.

    • KMP is ON by default on many plans. You can switch it off, but we’ll clearly explain the implications.

  3. Early Pickup (PSS Credit)

    • Early Pickup can feel like “buy now, pay later” but it is earned.

    • You unlock it by building trust (RepScore) and meeting eligibility requirements.

A simple example

  • You choose a phone today.

  • You secure today’s price.

  • You pay small small over weeks/months.

  • If you pay on time consistently, you may qualify for Early Pickup.