Easy setup
Installments is an option that’s already integrated into the Visa card you have. No credit check or waiting period needed.
¹ Limited availability
Installment payments made easy
Choose Installments Enabled by Visa at checkout for qualifying purchases from participating retailers.
Want to get started with buy now, pay later (BNPL)? With BNPL, it’s simple
Easy setup
Super flexible
Pick out what you want and choose to pay over time through easy, equal, monthly payments.
Totally transparent
Select the installments plan option at checkout, and then agree to the terms of the issuer or bank so you can avoid any potential payment surprises.
Here’s how Installments work
Get the items and experiences you want in as little as three steps.
Step 1: Shop
Now is your chance to get what you want by using your Visa for a qualifying purchase at many participating retailers.
Step 2: Select
Look for the “Installments Enabled by Visa” option during checkout and choose the installments plan that works best for you.
Step 3: Split
Pay for the rest in equal, monthly installments on your card, through your existing Visa—so you don’t have to manage multiple accounts.
Ready to pay with Installments Enabled by Visa?¹
Whether you’re in-store or online, you can pay with Installments Enabled by Visa at your favorite stores, shops, and retailers.
¹ Limited availability
Participating issuers and banks2
See below for participating financial institutions and banks. For more details, please contact your bank.
² Installments Enabled by Visa is presently not available on all Visa cards and only offered by certain issuing financial institutions and accepted at select retailers. See below for a list of participating financial institutions and contact your bank for more details.
Explore common questions about Installments Enabled by Visa
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It’s a simple way to pay for a purchase in equal monthly installments using your eligible Visa card for qualifying purchases at participating retailers. And, with Visa Installments, there’s no need for another line of credit, credit check or a new account. Offered by participating banks and enabled by Visa.
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Eligibility for an installment plan is determined by your card issuing bank. Please contact them regarding eligibility and available installment plans
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You can shop online or in store at participating retailers. At checkout, simply enter your Visa card. If your Visa card is eligible, and if your purchase is a qualifying purchase, you’ll see the available installment plans at checkout. After that, simply choose a plan by accepting the terms and complete your order. It’s that easy.
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No. Any installment plans offered are provided by your card issuing bank as a benefit of your existing eligible Visa card.
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Yes. Your total purchase amount will be deducted from your available credit limit on your existing credit card account. For further details about this, please check with your card issuing bank and review your cardholder agreement.
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No. An installment plan does not increase your credit limit nor is it an additional line of credit.
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Please contact your card issuing bank for specifics on how refund amounts for purchases made using an installment plan will be applied to your credit card account.
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For questions regarding your installment plan, refer to your cardholder agreement or contact your card issuing bank.
Returns and Refunds
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Returns for purchases made with Installments Enabled by Visa follow our standard return process. Please contact your card issuing bank for details about how a refund credit will apply to your account for purchases made with Installments Enabled by Visa.
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Please contact your card issuing bank for specifics about how refunds will impact your installment plan.
Payments and billing
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- Your card issuing bank calculates the exact payment details applicable to your installment plan. For example, if the installment plan is monthly, the monthly installment payment amount for your installment plan may be calculated by taking the total purchase amount, inclusive of taxes and shipping, and dividing it into equal monthly payments for the duration of the installment plan selected (e.g., 6 or /12 months). If there are fees or an annual percentage rate (APR) associated with the installment plan (i.e., APR or monthly installment fee), those amounts will be included in the monthly payment amount billed by your issuing bank, unless otherwise set forth in your cardholder agreement or the terms applicable to your installment plan.
- The installment payment amount and the total installment fees (if applicable) are provided on the checkout page when the installment plan is displayed. You should closely review the terms of your plan, including any installment fees or APR, prior to completing your purchase. Once you accept the terms, you can complete your purchase.
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- Fees or APR associated with Installments Enabled by Visa are presented at check-out, along with the specific plan’s additional terms and conditions set by your card issuing bank.
- Billing, payment, and servicing of installment plans are managed through your card issuing bank. Please contact your card issuing bank or review your cardholder agreement for more information.
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You can find out how your card issuing bank applies early payments to installment purchases by contacting them or referring to your cardholder agreement for more information.
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Payment and servicing of your installment plan is through your card issuing bank. The installment amount due and due date will be part of your billing or account statement for your card and may be included in your minimum payment due. Please contact your card issuing bank or review your cardholder agreement for more information.
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For questions regarding your installment plan, please contact your card issuing bank.