Paying fines, health tickets, car tax or local taxes in a single payment may not be easy at all, especially when you are faced with unexpected amounts or those concentrated in the same period of the year. THE’IO app – the official platform for accessing digital services of the Public Administration – supports installment payment of these and other expenses allowing the division of the payment of pagoPA notices into several installments directly from your smartphone. The mechanism is made possible by the integration of two very popular services in digital payments integrated with version 3.18.0.3 for Android and 3.18.0 for iOS: PayPal (already available from 2022) e Klarnaboth able to offer installment plans with different conditions. This means that it is possible to choose whether to pay the entire amount immediately or, on the contrary, whether to defer it over time, without having to submit a prior request to the institution. Payment in installments is not automatic: it is the user who must decide, at the time of payment, whether to divide the amount into several instalments. Some options include three interest-free installments, while others activate actual financing, i.e. loans spread over longer periods, where additional costs may apply. It is therefore essential to know how the procedure works and what precautions to take to avoid unpleasant surprises.
Just to clarify the matter, when we talk about pagoPA notices we are referring to those digital or paper documents that contain a QR code or a numerical code that allows the payment to a public body to be identified in a standardized way. pagoPA is not an entity in itself, but a national platform that guarantees that the payment is tracked, secure and automatically registered with the Public Administration. In the IO app you can open a pagoPA alert by touching the message received or by using the function to frame the QR. Once the amount is displayed, you will find the list of available payment methods. Among these also appear “PayPal (also in installments)” and, now, too “Klarna (also in installments)”.
How installment payments work with PayPal in the IO app
On the IO app support a PayPal was added with the version 2.0.0.0 of IO for Android (available from January 13, 2022) and with the version 2.0.0 of IO for iOS (available from January 18, 2022). By opting for PayPal as a payment method, it is possible avail PayPal installment payment in the IO apphere’s how:
- Log in to the IO e app open the pagoPA notice by pressing on the relevant message or using the function Frame it by which you can scan the QR code of the alert.
- Tap on the option PayPal (also in installments) from the list of available methods and tap the button Continues.
- Press up Pay: you will be redirected to the PayPal website: log in with your login credentials, select the payment method and decide to spread the amount in several installments, if the option is available. Once the operation is complete, you should see the payment result.
We remind you that with PayPal it is possible, pay in 3 interest-free installments or choose longer financing plans, such as 6, 12 or 24 months. In the latter cases, costs may apply, which are specified at the time of choice.
How paying by installments works with Klarna in the IO app
Payment support with Klarna in the IO app it came with the version 3.18.0.3 for Android And 3.18.0 for iOS The November 6, 2025. The functioning of the pay by installments with Klarna in the IO app it is similar to what we saw earlier for PayPal.
- Log in to the IO e app open the pagoPA notice by pressing on the relevant message or using the function Frame it of the app to scan the QR code present on the notice.F
- Choose the option Klarna (also in installments) from the list of available methods and tap the button Continues.
- Press up Pay: You will be redirected to the Klarna website: log in (or register if you don’t have an account) and complete the payment by following the instructions on the screen.
We remind you that with Klarna you can decide to divide the amount into 3 interest-free installmentsor with payments deferred up to 12 monthswhich may involve additional costs.
