{"id":3521,"date":"2026-02-23T16:10:44","date_gmt":"2026-02-23T14:10:44","guid":{"rendered":"https:\/\/edilo.com.ua\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/"},"modified":"2026-06-22T12:50:54","modified_gmt":"2026-06-22T09:50:54","slug":"business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models","status":"publish","type":"post","link":"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/","title":{"rendered":"Business-Transforming Innovations: How Companies Are Implementing Pay-as-You-Go and Subscription Models"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Business innovation has already transformed subscription revenue from an \u201cIT experiment\u201d into a market worth <a href=\"https:\/\/www.grandviewresearch.com\/industry-analysis\/subscription-economy-market-report\">$492.34 billion in 2024<\/a> \u2014a <a href=\"https:\/\/www.swell.is\/content\/subscription-commerce-statistics\">435% increase over the past decade<\/a>. <a href=\"https:\/\/www.swell.is\/content\/subscription-commerce-statistics\">Subscription-based companies generate 3\u20135 times more revenue<\/a> per customer over the customer lifecycle compared to traditional one-time purchase models. This article compiles practical scenarios on how to launch a subscription and installment payment plan in a way that removes price barriers, stabilizes cash flow, and avoids disrupting operational processes. <\/p>\n\n<h2 class=\"wp-block-heading\">What Are Pay-as-You-Go and Subscription Models?<\/h2>\n\n<p class=\"wp-block-paragraph\">Installment payments are a financial arrangement in which a customer divides the total cost of a purchase into installments and pays them according to a schedule over a fixed period. For businesses, this is a way to close a deal without causing \u201cprice shock\u201d for the buyer, while still receiving payment guarantees. <\/p>\n\n<p class=\"wp-block-paragraph\">A subscription is a business model in which a customer pays regularly for access to a product or service, and the company generates predictable revenue from recurring payments. This model works best in niches where the product is used continuously or where customers return to it regularly: from video streaming and music to cloud services and professional education. <\/p>\n\n<p class=\"wp-block-paragraph\">From a technical standpoint, the subscription business model is implemented through various monetization formats:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>A SaaS subscription is a standard monthly or annual payment for access to software (CRM, accounting, analytics).<\/li>\n\n\n\n<li>Freemium \u2014 the basic version of the product is provided for free, while advanced features are unlocked with a paid subscription. This lowers the barrier to entry and allows you to sell value after users have tested the product. <\/li>\n\n\n\n<li>A product subscription is the regular delivery of physical goods or the provision of a service for a fixed fee, where convenience plays a key role, outweighing the desire to save money on one-time purchases.<\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">Once this distinction is made, it becomes clear which option to launch first. A subscription model is a \u201clong-term\u201d strategy that boosts customer retention, while pay-as-you-go provides immediate results by increasing conversion rates specifically on high-value orders. <\/p>\n\n<p class=\"wp-block-paragraph\">Recurring payments form the technical foundation for subscriptions. Payment providers, such as Fondy, define them as \u201cno-acceptance\u201d payments: the customer enters their card details once, agrees to the terms, and subsequent charges are processed automatically without their involvement. This tool has become the standard for businesses where service continuity is critical.  <\/p>\n\n<p class=\"wp-block-paragraph\">However, recurring payments solve only part of the problem. There is a separate category of situations where a customer wants to receive a product right away but isn\u2019t ready to pay the full amount at once. This is the business pain point we address at eDilo. Our service allows customers to split payments into installments, which is critically important for the B2B sector and high-value purchases where a traditional subscription model isn\u2019t feasible.   <\/p>\n\n<p class=\"wp-block-paragraph\"><strong>See also: <\/strong><a href=\"https:\/\/edilo.com.ua\/en\/blog\/the-subscription-business-model-how-to-shift-from-sales-to-service\/\"><strong><em>The Subscription Business Model: How to Shift from Sales to Service<\/em><\/strong><\/a><\/p>\n\t<section class=\"cta-banner cta-banner--invert\">\n\t\t<div class=\"container\">\n\t\t\t<div class=\"wrapper\">\n\t\t\t\t<div class=\"cta-banner__content\">\n\t\t\t\t\t<h2 class=\"h3\">\u041a\u0443\u043f\u0443\u0439\u0442\u0435 \u0437\u0430\u0440\u0430\u0437 \u2013 \u0441\u043f\u043b\u0430\u0447\u0443\u0439\u0442\u0435 \u043f\u043e\u0442\u0456\u043c<\/h2>\n\t\t\t\t\t<button data-modal=\"modal_buyer\" class=\"button button--turquoise modal-button\">\u0417\u0430\u043b\u0438\u0448\u0438\u0442\u0438 \u0437\u0430\u044f\u0432\u043a\u0443<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"modal modal--buyer\" id=\"modal_buyer\" aria-hidden=\"true\">\n\t\t\t<div class=\"modal__overlay\" tabindex=\"-1\" data-micromodal-close>\n\t\t\t\t<div class=\"modal__container container\" aria-modal=\"true\">\n\t\t\t\t\t<div class=\"modal__wrapper\">\n\t\t\t\t\t\t<div class=\"modal__head\">\n\t\t\t\t\t\t\t<div class=\"modal__text\">\n\t\t\t\t\t\t\t\t<div class=\"h2 modal__title\">\u0417\u0430\u043f\u043e\u0432\u043d\u0456\u0442\u044c \u0444\u043e\u0440\u043c\u0443 \u0456 \u043c\u0438 \u0437\u0432\u02bc\u044f\u0436\u0435\u043c\u043e\u0441\u044f \u0437 \u0412\u0430\u043c\u0438!<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<button class=\"modal__close\" aria-label=\"Close\" data-micromodal-close\n\t\t\t\t\t\t\t\ttitle=\"Hide\"><\/button>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"modal__body\">\n\t\t\t\t\t\t\t<div class=\"callback__form\">\n\t\t\t\t\t\t\t\t\n<form class=\"typical-form\"\n      data-required-text=\"This is a required field\"\n      data-ok-text=\"The field is filled in correctly\"\n      data-success-text=\"Your application has been sent successfully.\"\n      data-error-generic-text=\"An error occurred while creating the application.\"\n      data-error-text=\"This is a required field\"\n      data-success-ui-text=\"Thank you! We will contact you shortly.\">\n\n  <div class=\"typical-form__body\">\n    <div class=\"typical-form__fields\">\n\n      <label for=\"name_cta-banner\" class=\"typical-field typical-field--required\">\n        <input type=\"text\"\n               name=\"name\"\n               id=\"name_cta-banner\"\n               placeholder=\"How to contact you?\"\n               class=\"typical-field__input\"\n               required>\n      <\/label>\n\n      <label for=\"amount_cta-banner\" class=\"typical-field typical-field--required\">\n        <input type=\"number\"\n               name=\"amount\"\n               id=\"amount_cta-banner\"\n               placeholder=\"Expected installment amount\"\n               class=\"typical-field__input\"\n               required>\n      <\/label>\n\n      <label for=\"phone_cta-banner\" class=\"typical-field typical-field--required phone-mask\">\n        <input type=\"tel\"\n               name=\"phone\"\n               id=\"phone_cta-banner\"\n               placeholder=\"Phone\"\n               class=\"typical-field__input\"\n               required>\n      <\/label>\n\n      <label for=\"email_cta-banner\" class=\"typical-field typical-field--required\">\n        <input type=\"email\"\n               name=\"email\"\n               id=\"email_cta-banner\"\n               placeholder=\"Email\"\n               class=\"typical-field__input\"\n               required>\n      <\/label>\n\n      <label for=\"code_cta-banner\" class=\"typical-field typical-field--required ipn-code-mask\">\n        <input type=\"text\"\n               name=\"code\"\n               id=\"code_cta-banner\"\n               placeholder=\"EDRPOU code or TIN\"\n               class=\"typical-field__input\"\n               required>\n      <\/label>\n\n      <label for=\"comment_cta-banner\" class=\"typical-field\">\n        <textarea name=\"comment\"\n                  id=\"comment_cta-banner\"\n                  placeholder=\"Comment\"\n                  class=\"typical-field__textarea\"><\/textarea>\n      <\/label>\n\n      <label for=\"personal_data_cta-banner\" class=\"typical-checkbox typical-checkbox--required\">\n        <input type=\"checkbox\"\n               name=\"personal_data\"\n               id=\"personal_data_cta-banner\"\n               class=\"typical-checkbox__input\"\n               required>\n        <span class=\"typical-checkbox__title\">\n          <span>\n            I agree with the <a href=\"https:\/\/edilo.com.ua\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\">rules of data processing<\/a>          <\/span>\n        <\/span>\n      <\/label>\n\n    <\/div>\n  <\/div>\n\n  <div class=\"typical-form__footer\">\n    <div class=\"preloader\" style=\"display: none;\">Loading&#8230;<\/div>\n    <button type=\"submit\" class=\"button button--dark\">Send<\/button>\n  <\/div>\n<\/form>\n\n<script>\n\/* ============================================================\n * WeAgro application sender for \".typical-form\" (WPML-ready)\n * - No visual changes; uses existing markup (preloader + button)\n * - Pure JS (no jQuery required); optional MagnificPopup support\n * - Safe with multiple forms on the page\n * - All translatable texts come from data-* attributes (PHP\/WPML)\n * ============================================================ *\/\n(function () {\n  'use strict';\n\n  \/\/ --- Configuration (endpoints) ---\n  var APPLICATION_ENDPOINT = 'https:\/\/web.weagro.com.ua\/api\/v2\/public\/application';\n\n  \/\/ --- Utilities ---\n\n  \/** Get current UI language robustly (WPML\/HTML). *\/\n  function getCurrentLang() {\n    if (typeof window.ICL_LANGUAGE_CODE === 'string' && window.ICL_LANGUAGE_CODE.length) {\n      return window.ICL_LANGUAGE_CODE.toLowerCase();\n    }\n    var html = document.documentElement;\n    if (html && html.lang) {\n      return html.lang.toLowerCase().split('-')[0];\n    }\n    return 'en';\n  }\n\n  \/** Read localized messages from form's data-* attributes. *\/\n  function getLocaleMessages(formEl) {\n    \/\/ Read primary attributes\n    var required = formEl.getAttribute('data-required-text');\n    var ok = formEl.getAttribute('data-ok-text');\n    var successText = formEl.getAttribute('data-success-text');\n    var errorGeneric = formEl.getAttribute('data-error-generic-text');\n\n    \/\/ Backward compatibility \/ secondary fallbacks\n    var oldError = formEl.getAttribute('data-error-text');\n    var successUiText = formEl.getAttribute('data-success-ui-text');\n\n    \/\/ Final fallbacks (English)\n    return {\n      required: required || oldError || 'This is a required field',\n      ok: ok || 'The field is filled in correctly',\n      sendSuccess: successText || 'Your application has been sent successfully.',\n      sendFailGeneric: errorGeneric || 'An error occurred while creating the application.',\n      successUiText: successUiText || 'Thank you! We will contact you shortly.'\n    };\n  }\n\n  \/** Toggle \"pending\" state: show preloader and disable submit button. *\/\n  function setPendingState(formEl, isPending) {\n    var footer = formEl.querySelector('.typical-form__footer');\n    if (!footer) return;\n    var preloader = footer.querySelector('.preloader');\n    var button = footer.querySelector('button[type=\"submit\"], .button');\n    if (preloader) preloader.style.display = isPending ? '' : 'none';\n    if (button) button.disabled = !!isPending;\n  }\n\n  \/** Return closest ancestor matching selector (safe wrapper). *\/\n  function closest(el, selector) {\n    if (!el) return null;\n    if (typeof el.closest === 'function') return el.closest(selector);\n    var node = el;\n    while (node) {\n      if (matches(node, selector)) return node;\n      node = node.parentElement;\n    }\n    return null;\n  }\n\n  \/** Element.matches wrapper. *\/\n  function matches(el, selector) {\n    if (!el) return false;\n    var p = Element.prototype;\n    var f = p.matches || p.msMatchesSelector || p.webkitMatchesSelector;\n    return f.call(el, selector);\n  }\n\n  \/** Read and sanitize values from the form. *\/\n  function readFormValues(formEl) {\n    \/\/ Helper to get trimmed value\n    var val = function (sel) {\n      var el = formEl.querySelector(sel);\n      return (el && 'value' in el) ? String(el.value).trim() : '';\n    };\n\n    var result = {\n      name: val('input[name=\"name\"]'),\n      amount: val('input[name=\"amount\"]'),\n      phone: val('input[name=\"phone\"]'),\n      email: val('input[name=\"email\"]'),\n      code: val('input[name=\"code\"]'),\n      comment: (function () {\n        var el = formEl.querySelector('textarea[name=\"comment\"], input[name=\"comment\"]');\n        return (el && 'value' in el) ? String(el.value).trim() : '';\n      })(),\n      personal_data: (function () {\n        var el = formEl.querySelector('input[name=\"personal_data\"]');\n        return !!(el && el.checked);\n      })()\n    };\n\n    return result;\n  }\n\n  \/** Minimal required check mirroring \"required\" attributes. *\/\n  function hasRequiredValues(values) {\n    return Boolean(\n      values.name &&\n      values.amount &&\n      values.phone &&\n      values.email &&\n      values.code &&\n      values.personal_data\n    );\n  }\n\n  \/** Push analytics (DL) with event naming parity to legacy logic. *\/\n  function pushDataLayer(amount, formEl) {\n    try {\n      window.dataLayer = window.dataLayer || [];\n      var inPopup = !!closest(formEl, '.popup__body');\n      window.dataLayer.push({\n        event: inPopup ? 'buy_in_installments' : 'submit_application',\n        installment_price: amount\n      });\n    } catch (e) {\n      \/\/ Silently ignore analytics errors\n    }\n  }\n\n  \/** Try to show success popup via MagnificPopup if available; otherwise alert. *\/\n  function showSuccessUI(formEl, fallbackMessage) {\n    var hasJQ = typeof window.jQuery === 'function';\n    var successPopupEl = document.getElementById('success_popup');\n\n    \/\/ Prefer popup if available (to keep visuals consistent)\n    if (hasJQ && window.jQuery.magnificPopup && successPopupEl) {\n      try {\n        window.jQuery.magnificPopup.open({\n          items: { src: '#success_popup' },\n          type: 'inline'\n        });\n        return;\n      } catch (e) {\n        \/\/ Fallback to alert below\n      }\n    }\n\n    \/\/ Fallback without changing form visuals\n    window.alert(fallbackMessage);\n  }\n\n  \/** Bind submit handlers to all \".typical-form\" instances (idempotent). *\/\n  function bindForms() {\n    var forms = document.querySelectorAll('form.typical-form');\n    if (!forms || !forms.length) return;\n\n    Array.prototype.forEach.call(forms, function (formEl) {\n      if (formEl.__weagroBound === true) return; \/\/ prevent duplicate binding\n      formEl.__weagroBound = true;\n\n      var messages = getLocaleMessages(formEl);\n\n      formEl.addEventListener('submit', function (evt) {\n        evt.preventDefault();\n        evt.stopPropagation();\n\n        \/\/ Trigger native HTML5 validation UI (does not change styles)\n        if (typeof formEl.reportValidity === 'function' && !formEl.reportValidity()) {\n          return;\n        }\n\n        var values = readFormValues(formEl);\n\n        \/\/ Extra safety: ensure required values are present\n        if (!hasRequiredValues(values)) {\n          window.alert(messages.required);\n          return;\n        }\n\n        var payload = {\n          code: values.code,\n          amount: values.amount,\n          name: values.name,\n          phone: values.phone,\n          email: values.email,\n          comment: values.comment,\n          lang: getCurrentLang()\n        };\n\n        setPendingState(formEl, true);\n\n        fetch(APPLICATION_ENDPOINT, {\n          method: 'POST',\n          headers: { 'Content-Type': 'application\/json' },\n          body: JSON.stringify(payload),\n          credentials: 'omit',\n          redirect: 'follow'\n        })\n          .then(function (res) {\n            \/\/ Try to parse JSON; if it fails, synthesize an error response\n            return res.json().catch(function () {\n              return { status: 'error', message: 'Invalid server response' };\n            });\n          })\n          .then(function (data) {\n            if (data && data.status === 'success') {\n              \/\/ Analytics parity + reset form\n              pushDataLayer(values.amount, formEl);\n              try { formEl.reset(); } catch (e) {}\n\n              \/\/ Show success UI (popup if available, else alert)\n              showSuccessUI(formEl, messages.sendSuccess || messages.successUiText);\n            } else {\n              var serverMessage = (data && (data.message || data.error)) || messages.sendFailGeneric;\n              window.alert(serverMessage);\n            }\n          })\n          .catch(function (err) {\n            var msg = (err && err.message) ? (' ' + err.message) : '';\n            window.alert(messages.sendFailGeneric + msg);\n          })\n          .finally(function () {\n            setPendingState(formEl, false);\n          });\n      }, { passive: false });\n    });\n  }\n\n  \/\/ Initialize on DOM ready\n  if (document.readyState === 'loading') {\n    document.addEventListener('DOMContentLoaded', bindForms, { passive: true });\n  } else {\n    bindForms();\n  }\n})();\n<\/script>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\n<h2 class=\"wp-block-heading\">How Pay-as-You-Go and Subscription Models Work in Business<\/h2>\n\n<p class=\"wp-block-paragraph\">The subscription-based business model changes the very essence of sales: the company isn\u2019t selling a \u201cbox\u201d of goods, but rather access over time. As long as the customer sees value, they\u2019ll keep paying. But to prevent this process from turning into chaos with manual invoicing, you need a clear system of pricing, billing, and renewal rules.  <\/p>\n\n<p class=\"wp-block-paragraph\">The process for starting a subscription usually goes like this:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>Defining the core value proposition. The team determines exactly what the customer is paying for every 30 days. This could be access to a knowledge base, usage limits for the service, or regular content.  <\/li>\n\n\n\n<li>Creating a pricing matrix. Develop 2\u20134 distinct plans with clear differences. <\/li>\n\n\n\n<li>Billing settings. Businesses can choose between a \u201cpayment calendar\u201d (where the schedule is stored on the payment gateway\u2019s side) and API integration (where the logic is managed within the product). Fondy notes that security is key here. Card data is stored in encrypted form on the provider\u2019s side.   <\/li>\n\n\n\n<li>Launch churn management. Set up automatic reminders, scenarios for failed charges, and customer win-back tools, as well as a transparent unsubscribe process to avoid negative experiences. <\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">Installment payments work differently. In this case, the company sells the same product as before but changes the financial structure to make it easier for the customer to agree to the deal. In the B2B segment, this approach often becomes the deciding factor in closing deals for equipment, transportation, or medical solutions\u2014where the purchase price is objectively high.  <\/p>\n\n<p class=\"wp-block-paragraph\">The process for implementing phased payment consists of the following steps:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>Analysis of product categories. The minimum purchase amount is determined\u2014the point at which the total amount will actually influence the purchase decision. <\/li>\n\n\n\n<li>Establishing the terms. The deadlines, payment schedule, and rules for the initial payment are set. <\/li>\n\n\n\n<li>Integration of a ready-made solution. The business connects to the service (for example, eDilo) and integrates it into all sales channels: the website, sales proposals, and sales scripts. <\/li>\n\n\n\n<li>Sales Department Training. Managers learn to present installment payments not as a concession or discount, but as a convenient financial tool. <\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">In this process, our eDilo service addresses a key need: the buyer is able to pay in convenient installments, while the seller maintains the original price and the speed of the transaction. This approach is particularly effective when a customer isn\u2019t asking for a \u201clower price\u201d but is looking for a way to \u201cpay differently.\u201d <\/p>\n\n<h2 class=\"wp-block-heading\">Pros and Cons of Pay-as-You-Go and Subscription Models<\/h2>\n\n<p class=\"wp-block-paragraph\">Subscription revenue provides businesses with a stable stream of payments and deep customer loyalty, as the product becomes part of the customer\u2019s daily routine. Market experts, including Tranzzo, cite the subscription model as one of the major trends in e-commerce precisely because of the predictability of revenue and the opportunity to build long-term relationships with the audience. <\/p>\n\n<p class=\"wp-block-paragraph\">Paying in installments gives businesses another important advantage\u2014it shifts the customer\u2019s focus from the total cost to the size of the monthly payment. This removes the psychological barrier of \u201cit\u2019s too expensive right now.\u201d If a company sells expensive equipment or comprehensive services, this tool often saves a deal that might otherwise fall through.  <\/p>\n\n<p class=\"wp-block-paragraph\">However, it\u2019s important to assess the risks objectively, as these models do not tolerate errors in the processes. According to <a href=\"https:\/\/fondy.ua\/uk\/knowledge\/recurring-payments\/\">Fondy<\/a>, up to 20% of churn in subscription-based businesses occurs not because the customer wants to leave, but due to technical glitches: they forgot to top up their card, or the transaction was declined by the bank. This means that subscription services require high-quality automation and customized scenarios for retry attempts.  <\/p>\n\n<p class=\"wp-block-paragraph\">To make it easier to analyze, we&#8217;ve summarized the main pros and cons in a table:<\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Criterion<\/td><td>Subscription<\/td><td>Payment in installments<\/td><\/tr><tr><td>What the business sells<\/td><td>Timely Access + Regular Value<\/td><td>The same product, but with a flexible payment schedule<\/td><\/tr><tr><td>Key Benefit<\/td><td>Projected revenue and a longer customer lifecycle<\/td><td>A better chance of closing a large sale without offering discounts<\/td><\/tr><tr><td>Main Risk<\/td><td>Churn due to poor retention and technical glitches (up to 20% &#8220;random&#8221; churn)<\/td><td>Risks of late payments and the additional burden on payment monitoring<\/td><\/tr><tr><td>Where does it work best?<\/td><td>SaaS, education, content, subscription-based services<\/td><td>Equipment, transportation, healthcare, large B2B contracts<\/td><\/tr><tr><td>What minimizes risks<\/td><td>Recurring payments, reminders, win-back strategies<\/td><td>A ready-to-use installment payment service with transparent contracts<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">The benefits for the business become apparent in the financial statements (P&amp;L) as early as the first quarter. Subscriptions smooth out seasonal fluctuations in revenue, and recurring payments minimize the human factor in the payment process. Paying in installments, in turn, speeds up decision-making on high-cost items. The sales team has to negotiate less, as the conversation shifts from \u201cgive me a discount\u201d to \u201cchoose a payment plan that works for you.\u201d   <\/p>\n\n<p class=\"wp-block-paragraph\"><strong>See also: <\/strong><a href=\"https:\/\/edilo.com.ua\/en\/blog\/how-to-adapt-a-business-strategy-to-economic-cycles-financial-flexibility-as-a-tool-for-resilience\/\"><strong><em>How to Adapt Your Business Strategy to Economic Cycles: Financial Flexibility as a Tool for Resilience<\/em><\/strong><\/a><\/p>\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"584\" src=\"https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/02\/6_innovacziyi_shho_zminyuyut_biznes_oplatoyu_ta_pidpyskamy_2-1024x584.jpg\" alt=\"\" class=\"wp-image-2748\" srcset=\"https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/02\/6_innovacziyi_shho_zminyuyut_biznes_oplatoyu_ta_pidpyskamy_2-1024x584.jpg 1024w, https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/02\/6_innovacziyi_shho_zminyuyut_biznes_oplatoyu_ta_pidpyskamy_2-300x171.jpg 300w, https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/02\/6_innovacziyi_shho_zminyuyut_biznes_oplatoyu_ta_pidpyskamy_2-768x438.jpg 768w, https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/02\/6_innovacziyi_shho_zminyuyut_biznes_oplatoyu_ta_pidpyskamy_2-1536x877.jpg 1536w, https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/02\/6_innovacziyi_shho_zminyuyut_biznes_oplatoyu_ta_pidpyskamy_2.jpg 1861w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Are Installment Payment Models Beneficial for Businesses and Customers?<\/h2>\n\n<p class=\"wp-block-paragraph\">The answer is clear: yes. A subscription guarantees stability through recurring payments, and paying in installments significantly increases conversion rates on large transactions without forcing businesses to undercut prices. The benefit for the customer is also clear: it\u2019s an opportunity to free up budget and launch a project or purchase an asset without waiting for the \u201cperfect moment.\u201d  <\/p>\n\n<h3 class=\"wp-block-heading\">Business Benefits: The Numbers That Matter<\/h3>\n\n<p class=\"wp-block-paragraph\">Subscription revenue forces a company to think about the long-term economics, and this is where systematic profit is generated. LTV (Lifetime Value)\u2014the lifetime value of a customer\u2014becomes the key metric. It is often calculated as the average revenue over a period divided by the churn rate. For example, with an average monthly spend of 1,000 UAH and a churn rate of 5%, the LTV would be 20,000 UAH. This allows for a radical shift in the approach to marketing budgets.    <\/p>\n\n<p class=\"wp-block-paragraph\">Paying in installments yields quick results. As analysts <a href=\"https:\/\/mc.today\/uk\/yak-pidklyuchiti-rozstrochku-ta-prodavati-bilshe-dosvid-fokstrotu-allo-ta-malogo-biznesu\/\">at MC.today<\/a> note, implementing tools such as \u201cpay in installments\u201d in retail can boost sales by 35\u201340%. Even if these figures may differ in the B2B sector, the underlying mechanism remains the same: businesses don\u2019t lose a client at the final stage of negotiations due to a lack of funds \u201cright here and now.\u201d  <\/p>\n\n<p class=\"wp-block-paragraph\">An added bonus is automation. The payment provider can automatically retry charge attempts after a failed transaction and send reminders. This saves managers time and maintains a steady revenue stream without the need to manually \u201cchase down\u201d every payment.  <\/p>\n\n<h3 class=\"wp-block-heading\">Benefits for customers: affordability and budget control<\/h3>\n\n<p class=\"wp-block-paragraph\">Paying in installments gives the customer what matters most\u2014control. Instead of a single large payment that can throw you off track, you get a clear payment schedule. Banking products, such as PrivatBank\u2019s \u201cInstant Installment Plan for Business,\u201d offer terms of up to 24 months, allowing customers to comfortably spread out their financial burden.  <\/p>\n\n<p class=\"wp-block-paragraph\">Subscriptions are a win because of their convenience. Customers don\u2019t risk losing access to an important service because they forgot to pay a bill, since the system works automatically. This also eliminates the risk of errors that can occur when entering payment details manually.  <\/p>\n\n<h3 class=\"wp-block-heading\">eDilo Case Studies: High-Value Transactions Without Discounts<\/h3>\n\n<p class=\"wp-block-paragraph\">The effectiveness of installment payments is best illustrated by real-world transactions where a lump-sum payment would be problematic:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>Logistics. The Kyiv Carriage Works signed a contract worth approximately 2,000,000 UAH. The buyer, PP \u201cFishka Nov,\u201d purchased two railcars, paying the amount in installments over 6 months via eDilo. Without this tool, the deal might not have gone through due to the high barrier to entry.   <\/li>\n\n\n\n<li>Sports and Tourism. Veliki.ua sold a batch of 8 electric bicycles to \u201cInfocenter Karpaty\u201d for approximately 360,000 UAH. The client used a payment plan to launch the rental service. This is a classic example of how a purchase becomes an investment. The equipment starts paying for itself right away, while payments are spread out over time.    <\/li>\n\n\n\n<li>Manufacturing. INSORTEX sold an industrial crusher worth 360,797 UAH to a sole proprietor. For small agribusinesses, this is an opportunity to scale up without cash flow gaps.  <\/li>\n\n\n\n<li>Medicine. One of the most telling examples is the sale of the \u201cVi One\u201d medical device, valued at approximately 1,896,300 UAH. The clinic received the equipment on a 12-month installment plan, which allowed it to immediately begin providing new services to patients.  <\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">A business that ignores flexible payment models risks being left behind, where every transaction requires a Herculean effort to overcome the price barrier. Ultimately, stable revenue goes to those who make the purchasing process seamless and the product\u2019s value indispensable. <\/p>\n\t<section class=\"cta-banner\">\n\t\t<div class=\"container\">\n\t\t\t<div class=\"wrapper\">\n\t\t\t\t<div class=\"cta-banner__content\">\n\t\t\t\t\t<h2 class=\"h3\">\u041e\u043f\u043b\u0430\u0442\u0430 \u0447\u0430\u0441\u0442\u0438\u043d\u0430\u043c\u0438 \u0434\u043b\u044f \u0412\u0430\u0448\u043e\u0433\u043e \u0431\u0456\u0437\u043d\u0435\u0441\u0443<\/h2>\n\t\t\t\t\t<button data-modal=\"modal_supplier\" class=\"button button--turquoise modal-button\">\u041f\u0456\u0434\u043a\u043b\u044e\u0447\u0438\u0442\u0438 \u0441\u0435\u0440\u0432\u0456\u0441<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"modal modal--supplier\" id=\"modal_supplier\" aria-hidden=\"true\">\n\t\t\t<div class=\"modal__overlay\" tabindex=\"-1\" data-micromodal-close>\n\t\t\t\t<div class=\"modal__container container\" aria-modal=\"true\">\n\t\t\t\t\t<div class=\"modal__wrapper\">\n\t\t\t\t\t\t<div class=\"modal__head\">\n\t\t\t\t\t\t\t<div class=\"modal__text\">\n\t\t\t\t\t\t\t\t<div class=\"h2 modal__title\"><mark>\u0425\u043e\u0447\u0435\u0442\u0435 \u043f\u043e\u0447\u0430\u0442\u0438 \u043f\u0440\u043e\u0434\u0430\u0432\u0430\u0442\u0438<\/mark> <br> \u0437 \u043e\u043f\u043b\u0430\u0442\u043e\u044e \u0447\u0430\u0441\u0442\u0438\u043d\u0430\u043c\u0438?<\/div>\n\t\t\t\t\t\t\t\t<p>\u0417\u0430\u043f\u043e\u0432\u043d\u0456\u0442\u044c \u0444\u043e\u0440\u043c\u0443 <br> \u0442\u0430 \u043c\u0438 \u0437\u0432\u2019\u044f\u0436\u0435\u043c\u043e\u0441\u044c \u0437 \u0432\u0430\u043c\u0438<\/p>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<button class=\"modal__close\" aria-label=\"Close\" data-micromodal-close\n\t\t\t\t\t\t\t\ttitle=\"Hide\"><\/button>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"modal__body\">\n\t\t\t\t\t\t\t<div class=\"callback__form custom-validation-messages\" data-error-text=\"\u0426\u0435 \u043e\u0431\u043e\u0432\u2019\u044f\u0437\u043a\u043e\u0432\u0435 \u043f\u043e\u043b\u0435\" data-success-text=\"\u041f\u043e\u043b\u0435 \u0437\u0430\u043f\u043e\u0432\u043d\u0435\u043d\u043e \u043f\u0440\u0430\u0432\u0438\u043b\u044c\u043d\u043e\">\n\t\t\t\t\t\t\t\t<script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 3.1.\"),o(),0))},initializeOnLoaded:function(o){gform.callIfLoaded(o)||(document.addEventListener(\"gform_main_scripts_loaded\",()=>{gform.scriptsLoaded=!0,gform.callIfLoaded(o)}),document.addEventListener(\"gform\/theme\/scripts_loaded\",()=>{gform.themeScriptsLoaded=!0,gform.callIfLoaded(o)}),window.addEventListener(\"DOMContentLoaded\",()=>{gform.domLoaded=!0,gform.callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform.addHook(\"action\",o,r,e,t)},addFilter:function(o,r,e,t){gform.addHook(\"filter\",o,r,e,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,r){gform.removeHook(\"action\",o,r)},removeFilter:function(o,r,e){gform.removeHook(\"filter\",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_9' ><style>#gform_wrapper_9[data-form-index=\"0\"].gform-theme,[data-parent-form=\"9_0\"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 106;--gf-color-out-ctrl-dark-darker: #112337;--gf-color-out-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-color-in-ctrl: #fff;--gf-color-in-ctrl-rgb: 255, 255, 255;--gf-color-in-ctrl-contrast: #112337;--gf-color-in-ctrl-contrast-rgb: 17, 35, 55;--gf-color-in-ctrl-darker: #F5F5F5;--gf-color-in-ctrl-lighter: #FFFFFF;--gf-color-in-ctrl-primary: #204ce5;--gf-color-in-ctrl-primary-rgb: 32, 76, 229;--gf-color-in-ctrl-primary-contrast: #fff;--gf-color-in-ctrl-primary-contrast-rgb: 255, 255, 255;--gf-color-in-ctrl-primary-darker: #001AB3;--gf-color-in-ctrl-primary-lighter: #527EFF;--gf-color-in-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-in-ctrl-light-rgb: 17, 35, 55;--gf-color-in-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url(\"data:image\/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gf-icon-ctrl-select: url(\"data:image\/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gf-icon-ctrl-search: url(\"data:image\/svg+xml,%3Csvg width='640' height='640' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}<\/style>\n                        <div class='gform_heading'>\n                            <p class='gform_description'><\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_9' id='gform_9'  action='\/en\/wp-json\/wp\/v2\/posts\/3521' data-formid='9' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_9' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_9_6\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_9_6'>LinkedIn<\/label><div class='ginput_container'><input name='input_6' id='input_9_6' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_9_6'>This field is for validation purposes and should be left unchanged.<\/div><\/div><fieldset id=\"field_9_1\" class=\"gfield gfield--type-name gfield--input-type-name field_sublabel_hidden_label gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >\u042f\u043a \u0434\u043e \u0412\u0430\u0441 \u0437\u0432\u0435\u0440\u0442\u0430\u0442\u0438\u0441\u044c?<\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name no_middle_name no_last_name no_suffix gf_name_has_1 ginput_container_name gform-grid-row' id='input_9_1'>\n                            \n                            <span id='input_9_1_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_1.3' id='input_9_1_3' value=''   aria-required='false'   placeholder='\u042f\u043a \u0434\u043e \u0412\u0430\u0441 \u0437\u0432\u0435\u0440\u0442\u0430\u0442\u0438\u0441\u044c?'  \/>\n                                                    <label for='input_9_1_3' class='gform-field-label gform-field-label--type-sub hidden_sub_label screen-reader-text'>\u042f\u043a \u0434\u043e \u0412\u0430\u0441 \u0437\u0432\u0435\u0440\u0442\u0430\u0442\u0438\u0441\u044c?<\/label>\n                                                <\/span>\n                            \n                            \n                            \n                        <\/div><\/fieldset><div id=\"field_9_3\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-full phone-mask gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_9_3'>\u0422\u0435\u043b\u0435\u0444\u043e\u043d<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_3' id='input_9_3' type='tel' value='' class='large'  placeholder='\u0422\u0435\u043b\u0435\u0444\u043e\u043d' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_9_4\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_9_4'>\u041a\u043e\u0434 \u0404\u0414\u041f\u0420\u041e\u0423 \u0430\u0431\u043e \u0406\u041f\u041d<\/label><div class='ginput_container ginput_container_text'><input name='input_4' id='input_9_4' type='text' value='' class='large'    placeholder='\u041a\u043e\u0434 \u0404\u0414\u041f\u0420\u041e\u0423 \u0430\u0431\u043e \u0406\u041f\u041d'  aria-invalid=\"false\"   \/><\/div><\/div><fieldset id=\"field_9_5\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--input-type-checkbox gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >\u041f\u043e\u0433\u043e\u0434\u0436\u0443\u044e\u0441\u044c \u0437 \u043f\u0440\u0430\u0432\u0438\u043b\u0430\u043c\u0438 \u043e\u0431\u0440\u043e\u0431\u043a\u0438 \u0434\u0430\u043d\u0438\u0445<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_9_5'><div class='gchoice gchoice_9_5_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_5.1' type='checkbox'  value='&lt;span&gt;\u041f\u043e\u0433\u043e\u0434\u0436\u0443\u044e\u0441\u044c \u0437 &lt;a href=&quot;\/privacy-policy\/&quot; target=&quot;_blank&quot;&gt;\u043f\u0440\u0430\u0432\u0438\u043b\u0430\u043c\u0438 \u043e\u0431\u0440\u043e\u0431\u043a\u0438 \u0434\u0430\u043d\u0438\u0445&lt;\/a&gt;&lt;\/span&gt;'  id='choice_9_5_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_9_5_1' id='label_9_5_1' class='gform-field-label gform-field-label--type-inline'><span>\u041f\u043e\u0433\u043e\u0434\u0436\u0443\u044e\u0441\u044c \u0437 <a href=\"\/privacy-policy\/\" target=\"_blank\">\u043f\u0440\u0430\u0432\u0438\u043b\u0430\u043c\u0438 \u043e\u0431\u0440\u043e\u0431\u043a\u0438 \u0434\u0430\u043d\u0438\u0445<\/a><\/span><\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><\/div><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_9' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='\u0412\u0456\u0434\u043f\u0440\u0430\u0432\u0438\u0442\u0438'  \/> <input type='hidden' name='gform_ajax' value='form_id=9&amp;title=&amp;description=1&amp;tabindex=0&amp;theme=orbital&amp;styles=[]&amp;hash=c9183d294562468088483e19b9270e28' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_9' value='iframe' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_9' id='gform_theme_9' value='orbital' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_9' id='gform_style_settings_9' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_9' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='9' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='USD' value='JBImq3zObWfgREz4FgPpNHicB12c66JtDc+i4NLGHsq1AWh3dUXbEGnp3xJQH4V1AsFpU6J7VyMphsXGsKvxYTGoj+fiqUV\/VfhoE+5r+keZvnU=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_9' value='WyJ7XCI1LjFcIjpcIjNhNWFkYmI0MmEyNTgxNjA0ZDNjZWFmOThlNThjNmUyXCJ9IiwiNjEzMjViM2VkN2FiZTY1M2U0YzAzNzI3ZjM1MTkxYjYiXQ==' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_9' id='gform_target_page_number_9' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_9' id='gform_source_page_number_9' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div>\n\t\t                <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_9' id='gform_ajax_frame_9' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'><\/iframe>\n\t\t                <script>\ngform.initializeOnLoaded( function() {gformInitSpinner( 9, 'https:\/\/edilo.com.ua\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', false );jQuery('#gform_ajax_frame_9').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_9');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_9').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_9').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_9').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_9').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/  }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_9').val();gformInitSpinner( 9, 'https:\/\/edilo.com.ua\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', false );jQuery(document).trigger('gform_page_loaded', [9, current_page]);window['gf_submitting_9'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_9').replaceWith(confirmation_content);jQuery(document).trigger('gform_confirmation_loaded', [9]);window['gf_submitting_9'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_9').text());}else{jQuery('#gform_9').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"9\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_9\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_9\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_9\" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 9, current_page );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} );\n<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n<section id=\"faqs-block_932b3b90ed3134e7de412bbf4374efa4\" class=\"faqs\" data-aos=\"fade\">\n    <div class=\"container\">\n        <div class=\"wrapper\">\n            <div class=\"faqs__text\">\n                <h2>\u0410\u043a\u0442\u0443\u0430\u043b\u044c\u043d\u0456 <br \/>\u0437\u0430\u043f\u0438\u0442\u0430\u043d\u043d\u044f<\/h2>\n            <\/div>\n            <div class=\"faqs__accordions\">\n                                                            <div class=\"fullarea-accordion  aos-longer-delay \" data-aos=\"custom-slide-up\">\n                            <div class=\"fullarea-accordion__content\">\n                                <h4 class=\"fullarea-accordion__title\">How long does it take to implement a subscription model?<\/h4>\n                                <div class=\"fullarea-accordion__inner\">\n                                    <p><span style=\"font-weight: 400\">Implementing a subscription service usually takes 2 to 6 weeks if you already have a finished product. The lion\u2019s share of the time is spent not on the technical integration of payment buttons, but on developing pricing logic, customer scenarios (renewal, pause, cancellation), and setting up communication. With off-the-shelf solutions, the technical part can take just a few days, but business processes require thorough testing.  <\/span><\/p>\n                                <\/div>\n                            <\/div>\n                            <button class=\"fullarea-accordion__button\"><\/button>\n                        <\/div>\n                                            <div class=\"fullarea-accordion  aos-longer-delay \" data-aos=\"custom-slide-up\">\n                            <div class=\"fullarea-accordion__content\">\n                                <h4 class=\"fullarea-accordion__title\">What is the return on investment for a subscription model?<\/h4>\n                                <div class=\"fullarea-accordion__inner\">\n                                    <p><span style=\"font-weight: 400\">The payback period depends on the unit economics of a specific project, but the average benchmark is 6\u201312 months. This is the period during which the lifetime value (LTV) of a customer exceeds the customer acquisition cost (CAC). The key formula for success: if your customer pays for themselves in less than a year, the model is considered healthy and scalable.  <\/span><\/p>\n                                <\/div>\n                            <\/div>\n                            <button class=\"fullarea-accordion__button\"><\/button>\n                        <\/div>\n                                            <div class=\"fullarea-accordion  aos-longer-delay \" data-aos=\"custom-slide-up\">\n                            <div class=\"fullarea-accordion__content\">\n                                <h4 class=\"fullarea-accordion__title\">Is it possible to implement a phased payment plan on your own?<\/h4>\n                                <div class=\"fullarea-accordion__inner\">\n                                    <p><span style=\"font-weight: 400\">Technically, yes, but this creates a number of risks: the need to independently monitor incoming funds, prepare the legal framework, deal with debtors, and ensure data security. That\u2019s why businesses are increasingly turning to specialized services. With eDilo, your company offloads the operational burden: we handle the verification and processing of payments, while you gain the ability to close deals worth millions of hryvnias\u2014such as those involving railcars or medical equipment\u2014allowing you to focus on the product rather than on collections.  <\/span><\/p>\n                                <\/div>\n                            <\/div>\n                            <button class=\"fullarea-accordion__button\"><\/button>\n                        <\/div>\n                                                <\/div>\n        <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>Business innovation has already transformed subscription revenue from an \u201cIT experiment\u201d into a market worth $492.34 billion in 2024 \u2014a 435% increase over the past decade. Subscription-based companies generate 3\u20135 times more revenue per customer over the customer lifecycle compared to traditional one-time purchase models. This article compiles practical scenarios on how to launch a [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":2746,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[269],"tags":[],"class_list":["post-3521","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Business-Transforming Innovations: How Companies Are Implementing Pay-as-You-Go and Subscription Models<\/title>\n<meta name=\"description\" content=\"How Subscription Fees and Installment Payments Are Changing Business. Business Innovation: The Subscription Business Model, Recurring Payments, SaaS, Benefits, and Implementation Examples for a Steady Income\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Business-Transforming Innovations: How Companies Are Implementing Pay-as-You-Go and Subscription Models\" \/>\n<meta property=\"og:description\" content=\"How Subscription Fees and Installment Payments Are Changing Business. Business Innovation: The Subscription Business Model, Recurring Payments, SaaS, Benefits, and Implementation Examples for a Steady Income\" \/>\n<meta property=\"og:url\" content=\"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/\" \/>\n<meta property=\"og:site_name\" content=\"eDilo\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/people\/eDilo\/61558647635595\/?_rdr\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/share\/16Fdoe9Dw4\/?mibextid=wwXIfr\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-23T14:10:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-22T09:50:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/02\/6_innovacziyi_shho_zminyuyut_biznes_oplatoyu_ta_pidpyskamy_1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1861\" \/>\n\t<meta property=\"og:image:height\" content=\"1062\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"\u041c\u0430\u0442\u0456\u044f\u0448 \u041f\u0430\u0432\u043b\u043e\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u041c\u0430\u0442\u0456\u044f\u0448 \u041f\u0430\u0432\u043b\u043e\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Business-Transforming Innovations: How Companies Are Implementing Pay-as-You-Go and Subscription Models","description":"How Subscription Fees and Installment Payments Are Changing Business. Business Innovation: The Subscription Business Model, Recurring Payments, SaaS, Benefits, and Implementation Examples for a Steady Income","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/","og_locale":"en_US","og_type":"article","og_title":"Business-Transforming Innovations: How Companies Are Implementing Pay-as-You-Go and Subscription Models","og_description":"How Subscription Fees and Installment Payments Are Changing Business. Business Innovation: The Subscription Business Model, Recurring Payments, SaaS, Benefits, and Implementation Examples for a Steady Income","og_url":"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/","og_site_name":"eDilo","article_publisher":"https:\/\/www.facebook.com\/people\/eDilo\/61558647635595\/?_rdr","article_author":"https:\/\/www.facebook.com\/share\/16Fdoe9Dw4\/?mibextid=wwXIfr","article_published_time":"2026-02-23T14:10:44+00:00","article_modified_time":"2026-06-22T09:50:54+00:00","og_image":[{"width":1861,"height":1062,"url":"https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/02\/6_innovacziyi_shho_zminyuyut_biznes_oplatoyu_ta_pidpyskamy_1.jpg","type":"image\/jpeg"}],"author":"\u041c\u0430\u0442\u0456\u044f\u0448 \u041f\u0430\u0432\u043b\u043e","twitter_card":"summary_large_image","twitter_misc":{"Written by":"\u041c\u0430\u0442\u0456\u044f\u0448 \u041f\u0430\u0432\u043b\u043e","Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/#article","isPartOf":{"@id":"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/"},"author":{"name":"\u041c\u0430\u0442\u0456\u044f\u0448 \u041f\u0430\u0432\u043b\u043e","@id":"https:\/\/edilo.com.ua\/en\/#\/schema\/person\/18ca562f61b56caa0bb46cf68c6279be"},"headline":"Business-Transforming Innovations: How Companies Are Implementing Pay-as-You-Go and Subscription Models","datePublished":"2026-02-23T14:10:44+00:00","dateModified":"2026-06-22T09:50:54+00:00","mainEntityOfPage":{"@id":"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/"},"wordCount":1885,"publisher":{"@id":"https:\/\/edilo.com.ua\/en\/#organization"},"image":{"@id":"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/#primaryimage"},"thumbnailUrl":"https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/02\/6_innovacziyi_shho_zminyuyut_biznes_oplatoyu_ta_pidpyskamy_1.jpg","articleSection":["Business"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/","url":"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/","name":"Business-Transforming Innovations: How Companies Are Implementing Pay-as-You-Go and Subscription Models","isPartOf":{"@id":"https:\/\/edilo.com.ua\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/#primaryimage"},"image":{"@id":"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/#primaryimage"},"thumbnailUrl":"https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/02\/6_innovacziyi_shho_zminyuyut_biznes_oplatoyu_ta_pidpyskamy_1.jpg","datePublished":"2026-02-23T14:10:44+00:00","dateModified":"2026-06-22T09:50:54+00:00","description":"How Subscription Fees and Installment Payments Are Changing Business. Business Innovation: The Subscription Business Model, Recurring Payments, SaaS, Benefits, and Implementation Examples for a Steady Income","breadcrumb":{"@id":"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/#primaryimage","url":"https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/02\/6_innovacziyi_shho_zminyuyut_biznes_oplatoyu_ta_pidpyskamy_1.jpg","contentUrl":"https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/02\/6_innovacziyi_shho_zminyuyut_biznes_oplatoyu_ta_pidpyskamy_1.jpg","width":1861,"height":1062},{"@type":"BreadcrumbList","@id":"https:\/\/edilo.com.ua\/en\/blog\/business-transforming-innovations-how-companies-are-implementing-pay-as-you-go-and-subscription-models\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0413\u043e\u043b\u043e\u0432\u043d\u0430","item":"https:\/\/edilo.com.ua\/en\/"},{"@type":"ListItem","position":2,"name":"Business-Transforming Innovations: How Companies Are Implementing Pay-as-You-Go and Subscription Models"}]},{"@type":"WebSite","@id":"https:\/\/edilo.com.ua\/en\/#website","url":"https:\/\/edilo.com.ua\/en\/","name":"eDilo","description":"eDilo - \u0441\u0435\u0440\u0432\u0456\u0441 \u043e\u043f\u043b\u0430\u0442\u0438 \u0447\u0430\u0441\u0442\u0438\u043d\u0430\u043c\u0438 \u0434\u043b\u044f \u0431\u0456\u0437\u043d\u0435\u0441\u0443","publisher":{"@id":"https:\/\/edilo.com.ua\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/edilo.com.ua\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/edilo.com.ua\/en\/#organization","name":"eDilo","url":"https:\/\/edilo.com.ua\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/edilo.com.ua\/en\/#\/schema\/logo\/image\/","url":"https:\/\/edilo.com.ua\/wp-content\/uploads\/2024\/12\/e.png","contentUrl":"https:\/\/edilo.com.ua\/wp-content\/uploads\/2024\/12\/e.png","width":190,"height":196,"caption":"eDilo"},"image":{"@id":"https:\/\/edilo.com.ua\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/people\/eDilo\/61558647635595\/?_rdr","https:\/\/www.instagram.com\/edilo.ua\/","https:\/\/www.youtube.com\/@activitis.finance","https:\/\/www.tiktok.com\/@edilo.activitis"]},{"@type":"Person","@id":"https:\/\/edilo.com.ua\/en\/#\/schema\/person\/18ca562f61b56caa0bb46cf68c6279be","name":"\u041c\u0430\u0442\u0456\u044f\u0448 \u041f\u0430\u0432\u043b\u043e","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/ddd36b7b4f3012b14c6ddf02acd9fcd5159c8f9d85e60ca15abbbc1dbb5dbdaa?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ddd36b7b4f3012b14c6ddf02acd9fcd5159c8f9d85e60ca15abbbc1dbb5dbdaa?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ddd36b7b4f3012b14c6ddf02acd9fcd5159c8f9d85e60ca15abbbc1dbb5dbdaa?s=96&d=mm&r=g","caption":"\u041c\u0430\u0442\u0456\u044f\u0448 \u041f\u0430\u0432\u043b\u043e"},"description":"CEO Activitis, \u044f\u043a\u0430 \u0441\u043f\u0435\u0446\u0456\u0430\u043b\u0456\u0437\u0443\u0454\u0442\u044c\u0441\u044f \u043d\u0430 \u0444\u0456\u043d\u0430\u043d\u0441\u0443\u0432\u0430\u043d\u043d\u0456 \u043c\u0456\u043a\u0440\u043e-, \u043c\u0430\u043b\u043e\u0433\u043e \u0442\u0430 \u0441\u0435\u0440\u0435\u0434\u043d\u044c\u043e\u0433\u043e \u0431\u0456\u0437\u043d\u0435\u0441\u0443 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456. \u041c\u0430\u0454 \u043f\u043e\u043d\u0430\u0434 18 \u0440\u043e\u043a\u0456\u0432 \u0434\u043e\u0441\u0432\u0456\u0434\u0443 \u0440\u043e\u0431\u043e\u0442\u0438 \u043d\u0430 \u043a\u0435\u0440\u0456\u0432\u043d\u0438\u0445 \u043f\u043e\u0441\u0430\u0434\u0430\u0445 \u044f\u043a \u0443 \u0432\u0435\u043b\u0438\u043a\u043e\u043c\u0443 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u043e\u043c\u0443 \u0431\u0456\u0437\u043d\u0435\u0441\u0443, \u0442\u0430\u043a \u0456 \u0432 \u0441\u0435\u0440\u0435\u0434\u043d\u044c\u043e\u043c\u0443. \u041f\u0440\u0438\u0454\u0434\u043d\u0430\u0432\u0441\u044f \u0434\u043e \u043a\u043e\u043c\u0430\u043d\u0434\u0438 Activitis \u0443 2019 \u0440\u043e\u0446\u0456 \u043d\u0430 \u043f\u043e\u0441\u0430\u0434\u0456 \u0437\u0430\u0441\u0442\u0443\u043f\u043d\u0438\u043a\u0430 \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440\u0430 \u0437 \u0440\u043e\u0437\u0432\u0438\u0442\u043a\u0443 \u0431\u0456\u0437\u043d\u0435\u0441\u0443, \u0430 \u0437\u0433\u043e\u0434\u043e\u043c \u0443 2020 \u0440\u043e\u0446\u0456 \u043e\u0447\u043e\u043b\u0438\u0432 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u044e. \u041f\u0440\u0430\u0446\u044e\u0432\u0430\u0432 \u0443 \u0431\u0430\u043d\u043a\u0430\u0445 \u0437 \u0456\u043d\u043e\u0437\u0435\u043c\u043d\u0438\u043c \u043a\u0430\u043f\u0456\u0442\u0430\u043b\u043e\u043c (OTP Bank, Raiffeisen Bank) \u0443 \u043f\u0456\u0434\u0440\u043e\u0437\u0434\u0456\u043b\u0430\u0445 \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0443\u0432\u0430\u043d\u043d\u044f \u0442\u0430 \u043f\u0440\u043e\u0435\u043a\u0442\u043d\u043e\u0433\u043e \u0444\u0456\u043d\u0430\u043d\u0441\u0443\u0432\u0430\u043d\u043d\u044f, \u0434\u0435 \u0437\u0433\u043e\u0434\u043e\u043c \u043e\u0447\u043e\u043b\u0438\u0432 \u0446\u0456 \u043f\u0456\u0434\u0440\u043e\u0437\u0434\u0456\u043b\u0438. \u0411\u0443\u0432 \u0432\u0438\u043a\u043e\u043d\u0430\u0432\u0447\u0438\u043c \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440\u043e\u043c \u043e\u0434\u043d\u0456\u0454\u0457 \u0437 \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u0445 \u0430\u0441\u043e\u0446\u0456\u0430\u0446\u0456\u0439 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456. \u0417 2012 \u043f\u043e 2019 \u0440\u043e\u043a\u0438 \u043a\u0435\u0440\u0443\u0432\u0430\u0432 \u0442\u0430 \u0440\u043e\u0437\u0432\u0438\u0432\u0430\u0432 \u043f\u0456\u0434\u043f\u0440\u0438\u0454\u043c\u0441\u0442\u0432\u0430 \u0441\u0435\u0440\u0435\u0434\u043d\u044c\u043e\u0433\u043e \u0431\u0456\u0437\u043d\u0435\u0441\u0443 \u0443 \u0441\u0444\u0435\u0440\u0456 \u0442\u043e\u0440\u0433\u0456\u0432\u043b\u0456 \u0433\u043e\u0441\u043f\u043e\u0434\u0430\u0440\u0441\u044c\u043a\u0438\u043c\u0438 \u0442\u043e\u0432\u0430\u0440\u0430\u043c\u0438, \u0430 \u0442\u0430\u043a\u043e\u0436 \u0431\u0443\u0432 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u043e\u043c \u0443 \u0431\u0443\u0442\u0456\u043a\u043e\u0432\u0456\u0439 \u0456\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0456\u0439\u043d\u0456\u0439 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0457, \u0449\u043e \u0437\u0430\u0439\u043c\u0430\u043b\u0430\u0441\u044c \u0443\u0433\u043e\u0434\u0430\u043c\u0438 M&amp;A \u0442\u0430 \u0437\u0430\u043b\u0443\u0447\u0435\u043d\u043d\u044f\u043c \u0444\u0456\u043d\u0430\u043d\u0441\u0443\u0432\u0430\u043d\u043d\u044f \u0434\u043b\u044f \u0443\u043a\u0440\u0430\u0457\u043d\u0441\u044c\u043a\u043e\u0433\u043e \u0431\u0456\u0437\u043d\u0435\u0441\u0443. \u041c\u0430\u0454 \u0434\u043e\u0441\u0432\u0456\u0434 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u0430\u043d\u0430\u043b\u0456\u0442\u0438\u043a\u0430 \u0442\u0430 \u043b\u043e\u043a\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0430\u043d\u0442\u0430 \u0443 \u041c\u0456\u043d\u0456\u0441\u0442\u0435\u0440\u0441\u0442\u0432\u0456 \u0444\u0456\u043d\u0430\u043d\u0441\u0456\u0432, WNISEF, IBRD. \u041e\u0442\u0440\u0438\u043c\u0430\u0432 \u0435\u043a\u043e\u043d\u043e\u043c\u0456\u0447\u043d\u0443 \u043e\u0441\u0432\u0456\u0442\u0443 \u0443 \u041a\u0438\u0454\u0432\u043e-\u041c\u043e\u0433\u0438\u043b\u044f\u043d\u0441\u044c\u043a\u0456\u0439 \u0430\u043a\u0430\u0434\u0435\u043c\u0456\u0457 \u0442\u0430 \u041d\u0430\u0446\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u043c\u0443 \u0456\u043d\u0441\u0442\u0438\u0442\u0443\u0442\u0456 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0456\u0447\u043d\u0438\u0445 \u0434\u043e\u0441\u043b\u0456\u0434\u0436\u0435\u043d\u044c.","sameAs":["https:\/\/www.facebook.com\/share\/16Fdoe9Dw4\/?mibextid=wwXIfr","https:\/\/www.instagram.com\/pavlo_matiyash?igsh=YmN4OTIxM3pzMjV1"],"url":"https:\/\/edilo.com.ua\/en\/blog\/author\/pavlo-matiyash\/"}]}},"_links":{"self":[{"href":"https:\/\/edilo.com.ua\/en\/wp-json\/wp\/v2\/posts\/3521","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/edilo.com.ua\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/edilo.com.ua\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/edilo.com.ua\/en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/edilo.com.ua\/en\/wp-json\/wp\/v2\/comments?post=3521"}],"version-history":[{"count":4,"href":"https:\/\/edilo.com.ua\/en\/wp-json\/wp\/v2\/posts\/3521\/revisions"}],"predecessor-version":[{"id":3597,"href":"https:\/\/edilo.com.ua\/en\/wp-json\/wp\/v2\/posts\/3521\/revisions\/3597"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/edilo.com.ua\/en\/wp-json\/wp\/v2\/media\/2746"}],"wp:attachment":[{"href":"https:\/\/edilo.com.ua\/en\/wp-json\/wp\/v2\/media?parent=3521"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edilo.com.ua\/en\/wp-json\/wp\/v2\/categories?post=3521"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edilo.com.ua\/en\/wp-json\/wp\/v2\/tags?post=3521"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}