What is Motito and how does it work?
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.