Tienda Pago allows distributors of FMCGs in emerging markets to stop selling to retailers (bodegas) on a COD basis. TP provides credit to finance the purchase of inventory, eliminating the need for distributors to collect cash with every delivery. TP reduces distributors’ expense by more than 5% and increases retailers' profitability 10% (both net of TP's fees). TP charges interest to the retailers and receives payments from distributors.