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 the digital services of the Public Administration – supports the installment payment of these and other expenses, allowing the payment of pagoPA notices to be divided 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) and Klarna, both 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. These also include “PayPal (also in installments)” and, now, also “Klarna (also in installments)”.
How installment payments work with PayPal in the IO app
PayPal support was added to the IO app with version 2.0.0.0 of IO for Android (available from January 13, 2022) and with version 2.0.0 of IO for iOS (available from January 18, 2022). By opting for PayPal as your payment method, you can avail PayPal installment payment in the IO app, here’s how:
- Log in to the IO app and open the pagoPA notice by pressing on the relevant message or using the Frame function to scan the QR code of the notice.
- Tap on the PayPal option (also in installments) from the list of available methods and tap the Continue button.
- Press 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 to 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
Support for payment with Klarna in the IO app arrived with version 3.18.0.3 for Android and 3.18.0 for iOS on November 6, 2025. The functioning of payment by installments with Klarna in the IO app is similar to what we saw earlier for PayPal.
- Log in to the IO app and open the pagoPA notice by pressing on the relevant message or using the app’s Frame function to scan the QR code on the notice.F
- Choose the Klarna option (also in installments) from the list of available methods and tap the Continue button.
- Press 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 that appear on the screen.
We remind you that with Klarna you can decide to divide the amount into 3 interest-free installments, or with deferred payments of up to 12 months, which may involve additional costs.
