Mastercard Installments

Mastercard Installments is an issuer-managed programme where the customer's bank splits a card payment into equal monthly instalments on the customer's statement. As a merchant, you receive the full payment amount upfront — instalment management is handled entirely between Mastercard and the issuing bank.

How it worksAskCopy

1. The customer selects a Mastercard card at checkout and chooses an instalment plan (typically 3, 6, or 12 months, depending on what their issuer offers).
2. VINR signals instalment eligibility to Mastercard during authorization.
3. Mastercard's network coordinates the plan with the issuing bank.
4. You receive the full payment amount in your VINR balance on the normal settlement timeline — the bank absorbs the instalment schedule risk.
5. The customer repays their bank in monthly instalments; this does not affect your settlement.

Enabling Mastercard InstallmentsAskCopy

Contact VINR support to enable Mastercard Installments on your account. Once enabled, VINR automatically signals instalment eligibility for qualifying Mastercard transactions on the hosted checkout.

API integrationAskCopy

When creating a payment, you can signal that you want instalment options surfaced for eligible cards:

import { Vinr } from '@vinr/sdk';

const vinr = new Vinr({ secretKey: process.env.VINR_SECRET_KEY });

const payment = await vinr.payments.create({
  amount: 120000,          // €1,200.00 — larger amounts are more likely to qualify
  currency: 'EUR',
  method: 'card',
  instalments: {
    enabled: true,
  },
  description: 'Laptop purchase',
  returnUrl: 'https://yoursite.com/checkout/complete',
});

When the customer completes checkout with an instalment plan, the payment_method_details.card.instalments object on the resulting charge reflects the plan selected:

{
  "card": {
    "brand": "mastercard",
    "instalments": {
      "plan": {
        "count": 6,
        "interval": "month",
        "type": "fixed_count"
      }
    }
  }
}

ReconciliationAskCopy

Instalment payments reconcile identically to standard card payments from the merchant perspective. The full amount lands in your VINR balance at settlement; there is no per-instalment reconciliation event. The customer's instalment schedule is managed entirely by their bank and does not appear in VINR reporting.

LimitationsAskCopy

• Availability depends on the customer's issuing bank and account eligibility — you cannot guarantee an instalment option will be offered.
• Mastercard Installments is not available on prepaid or commercial Mastercard cards.
• Refunds on instalment payments refund the full amount to the card; the issuing bank recalculates the customer's instalment schedule.

See alsoAskCopy