Instalments
Offer customers the ability to pay in instalments through Mastercard Installments and VINR-managed flexible plans.
Instalments let customers spread a payment across multiple billing periods rather than paying in full at once. VINR supports two instalment models:
| Model | Who manages it | How it works |
|---|---|---|
| Mastercard Installments | The issuing bank | Customer's bank splits the charge automatically; you receive the full amount upfront |
| Flexible instalments | VINR | VINR presents a plan at checkout and charges the saved payment method on each due date |
The right model depends on your use case: Mastercard Installments is frictionless for the merchant (no plan management required), while flexible instalments give you full control over schedule and amount.
In Bulgaria, Mastercard Installments is available through participating issuing banks. Flexible instalments via VINR are also available at launch.
How instalment authorization worksAsk
For both models, the full payment amount is authorized upfront against the customer's card or payment method. The split into instalments happens in the billing layer — not at the network authorization level. This means:
- You are protected against the customer failing to pay later instalments (for bank-managed plans).
- Authorization and capture behave identically to a standard payment in the VINR API.
- The
paymentobject reflects the total amount, not the per-instalment amount.
In this sectionAsk
Mastercard Installments
Issuer-managed instalment plans via the Mastercard Installments program.
Flexible instalments
VINR-managed instalment plans with full schedule control.
See alsoAsk
Cards
The card rail that powers instalment payments.
Manage payment methods
Save payment methods for future instalment charges.
Last updated on
