Terms of Service

These Terms govern your use of Paylo, including our website, our AI travel assistant Kite, and any booking you make through us. By creating an account or making a booking, you agree to these Terms. If you do not agree, please do not use Paylo.

1. Who we are

Paylo is a travel booking platform that lets you search and book flights from airlines and travel partners, and pay either in full or over 6 monthly installments. Paylo acts as a booking agent; the airline or travel supplier provides the actual travel service and its own conditions of carriage apply.

2. Eligibility and accounts

• You must be at least 18 years old and able to enter a binding contract.
• You sign in with Google, Apple or email, and you are responsible for activity on your account.
• You must provide accurate traveler details exactly as they appear on each passenger's passport or government ID.

3. Prices, taxes and fees

All prices shown include airline fares, government taxes, airport charges, carrier surcharges and the Paylo service fee. Fares are live and subject to availability until your ticket is issued. If a fare changes before ticketing, we will tell you and you may accept the new price or receive a full refund.

4. Payment options

• Pay in full: the total is charged at checkout.
• Pay over 6 months: the total is split into 6 equal monthly payments. The first is charged at checkout and the remaining 5 automatically every month to the same card. No credit check is performed and no interest is added to the price shown. This option is only available to active Paylo members whose income documents have been approved.
• Paylo membership: membership costs $10 USD per month, billed automatically to the payment method you add after signing up, until you cancel. Membership is required for the 6-month plan. The membership fee is separate from, and billed in addition to, your monthly flight payments. You can cancel anytime from My account; cancellation takes effect at the end of the current billing month and fees already paid are non-refundable. Cancelling membership does not cancel installments still owed on existing bookings.
• Income verification: to use the 6-month plan you must upload genuine, recent paystubs and bank statements. We may approve, deny or request more documents at our discretion. Submitting false or altered documents is grounds for account closure.
• Pay-later providers: where available, you may pay with Klarna, Affirm, Afterpay/Clearpay or other providers shown at checkout. These are offered by third parties under their own terms, eligibility checks and credit decisions; Paylo receives full payment and is not a party to your agreement with them.
• Payments are processed securely by Stripe. Paylo never stores your full card number.

5. Missed installments

If a monthly payment fails, we will retry the card and notify you. You agree to keep a valid payment method on file. Unpaid balances remain owed even if travel has been completed. If a payment remains unpaid, we may suspend your account, cancel unflown bookings where the airline permits, and pursue the outstanding amount.

6. Changes, cancellations and refunds

Changes and refunds depend on the fare rules of the airline. Many economy fares are non-refundable. Where a refund is available, it is returned to the original payment method minus any airline penalties and the non-refundable Paylo service fee. If you are on a monthly plan and cancel, any refund due is applied first to your remaining balance. Remaining installments are still due for non-refundable tickets.

7. Travel documents

You are responsible for valid passports, visas, health requirements and arriving at the airport on time. Paylo is not liable for denied boarding due to missing or invalid documents.

8. AI assistant

Kite can search flights, answer questions and prepare bookings for you. Always review the itinerary, traveler details and price before paying. A booking is only final after you complete checkout and receive a booking reference.

9. Limitation of liability

To the fullest extent permitted by law, Paylo is not liable for delays, cancellations, schedule changes, lost baggage or other acts of airlines and suppliers, or for indirect or consequential losses. Our total liability for any booking is limited to the amount you paid Paylo for that booking.

10. Acceptable use

Do not use Paylo for fraudulent bookings, stolen payment methods, automated scraping or any unlawful purpose. We may cancel bookings and close accounts involved in such activity.

11. Changes to these Terms

We may update these Terms from time to time. The version in effect when you book applies to that booking. Continued use after an update means you accept the revised Terms.

12. Contact

Questions? Contact us at support@paylotravel.com. See also our Privacy Policy.