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Accept installment card paymentsPrivate preview

Learn how to accept credit card payments using installments across a variety of Stripe products.

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Installments (分割払い) are a type of credit card payment in Japan that allows customers to split purchases over multiple billing statements. You receive the full amount as with standard card payments, and the customer’s card company provides credit and collects the funds over time.

Some restrictions apply to which transactions and cards can use installments. Review the compatibility requirements.

You can enable installments across a variety of Stripe products. Choose the instructions below that match your implementation.

Installments on Stripe Checkout

Checkout creates a secure, Stripe-hosted payment page that lets you collect payments quickly. It works across devices and can help increase your conversion. Checkout provides a low-code way to get started accepting payments.

Your customers use Checkout to pay with cards (with or without installments) and other payment methods that support Checkout.

Review Checkout documentation

Stripe Checkout allows you to collect installment payments. For information about setting up Checkout, see the quickstart.

Create a new Checkout session

If you use dynamic payment methods, installments appear automatically. If not, create a new Checkout session with installments enabled as shown in the example below. Substitute your own price object.

Note

Installments only works with payment mode, not setup or subscription mode.

Command Line
curl https://api.stripe.com/v1/checkout/sessions \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  --data-urlencode success_url="https://example.com/success" \
  --data-urlencode cancel_url="https://example.com/cancel" \
  -d "line_items[0][price]"={{PRICE_ID}} \
  -d "line_items[0][quantity]"=3 \
  -d mode=payment \
  -d "payment_method_options[card][installments][enabled]"=true

Redirect to Checkout

After creating the session, redirect your customer to the URL for the Checkout page returned in the CheckoutSession.

See also

Test the integration

You can use the following cards to test your integration.

Testing successful payments

BrandNumber
Visa
Mastercard
JCB
Diner’s Club

Testing payment failures

Sometimes a card might be a valid Japan-issued credit card, but the card issuer decides to decline the transaction. You can use the card number below to retrieve a list of supported installment plans, but the transaction fails with a card_declined error.

BrandNumber
Visa
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