Accept meses sin intereses card payments
Learn how to accept credit card payments using meses sin intereses across a variety of Stripe products.
Instalments (meses sin intereses) is a feature of consumer credit cards in Mexico that allows customers to split purchases over multiple billing statements. You receive payment as if it were a normal one-time charge, with fees deducted, and the customer’s bank handles collecting the money over time.
Some restrictions apply to which transactions and cards can use instalments. Review the compatibility requirements.
Accepting an instalment payment incurs an additional fee to the standard credit card transaction fee.
You can enable instalments across a variety of Stripe products. Choose the instructions below matching your implementation.
Integrate with Invoicing
You can accept instalments with Invoicing.
Invoices provide an itemised list of goods and services rendered, which includes the cost, quantity, and taxes. You can also use them as a tool to collect payment.
Your customers can pay with Checkout using cards (with or without instalments) and other payment methods that support Checkout.
Enable instalments for Invoicing
You can create an invoice that accepts a payment with instalments with the Invoicing API or with the Stripe Dashboard.
If you want more customisation, we recommend using the Invoicing API. If you want to set up Invoicing without writing any code, use the Stripe Dashboard.
Note
You can enable instalments for individual invoices but not for subscriptions.
Use the Invoicing API to set up an invoice that can be paid with instalments
Stripe Invoicing allows you to collect payments with instalments. You can use this integration guide to set up invoices.
- Review Invoicing documentation
- Create a new Invoice
- Select an Instalment plan on the client
- Retrieve the selected Instalment plan
Review Invoicing documentation
Review the Invoicing API integration guide and Invoicing API docs to familiarise yourself with how to create and send a generic invoice.
Create a new Invoice
Create a new invoice with a valid API key and Customer and Price object, as shown in the example below. (Note: You’ll need to substitute your own valid API key and customer object).
Note
Instalments only work with collection_
set to send_
mode, not charge_
mode.
curl https://api.stripe.com/v1/invoiceitems \ -u
: \ -d "customer"="{{CUSTOMER_ID}}" \ -d "price"="{{PRICE_ID}}"sk_test_BQokikJOvBiI2HlWgH4olfQ2
curl https://api.stripe.com/v1/invoices \ -u
: \ -d "customer"="{{CUSTOMER_ID}}" \ -d "collection_method"="send_invoice" \ -d "days_until_due"=30 \ -d "pending_invoice_items_behavior"="include" \ -d "payment_settings[payment_method_options][card][installments][enabled]"="true"sk_test_BQokikJOvBiI2HlWgH4olfQ2
Select an Instalment plan on the client
The hosted invoice page displays the available instalment options based on the credit card number provided by the customer.
If a customer clicks Pay in instalments, the instalment plan option selected by default is the first plan on the list.
The customer can select their desired instalment option in the hosted invoice interface.
Instalment plans only appear for credit cards that support them and for transactions that have a total amount greater than or equal to 300.00 MXN.
In a sandbox, you can use test card numbers to test different behaviours.
Retrieve the selected Instalment plan
The selected instalment plan is available through both the Dashboard and API. In the Dashboard, click a payment and scroll down to Payment details. If it used instalments, you see the length of the plan.
The selected instalment plan is also available on the Payment Intent. After the user has completed payment, get the payment intent ID from the Invoice object (for example, “payment_intent”: “pi_…”) and then use that payment intent ID to retrieve the PaymentIntent object to see which instalment plan the customer selected.
curl https://api.stripe.com/v1/invoices/{{INVOICE_ID}} \ -u
:sk_test_BQokikJOvBiI2HlWgH4olfQ2
With the payment intent ID, retrieve the PaymentIntent object:
curl https://api.stripe.com/v1/payment_intents/{{PAYMENT_INTENT_ID}} \ -u
:sk_test_BQokikJOvBiI2HlWgH4olfQ2
The PaymentIntent object then shows the selected instalment plan:
{ "id": "pi_...", "object": "payment_intent", "amount": 100000, ... "charges": { "data": [ { "id": "ch_...", "object": "charge", "amount": 100000, "payment_method_details": { "card": { "installments": { "plan": { "count": 3,
Use the Stripe Dashboard to send an invoice that can be paid with instalments
To configure instalments for Invoicing, visit the Stripe Dashboard payment methods settings page.
You can configure the specific monthly plans you want to offer, and minimum and maximum transaction amounts for each plan.
This payment method configuration is enabled for Invoicing, and all your other compatible Stripe integrations, including API, Checkout, Payment Element, and Payment Links.
You can create an invoice with just a few clicks using the Stripe Dashboard.
- On the Customers page, click Add customer to create a new customer (select the country as Mexico, language as Spanish (Latin America), and currency as MXN - Mexican Peso)
Click your newly created customer to view their information, including their Invoices.
On the customer’s overview page, click Actions and then select Create invoice to set up a new invoice for that customer.
On the Create invoice page, check the Payment section to make sure that cards are enabled, and that the option to Allow payment with card instalments is also enabled.
Click Find or add an item under the Items section to add products to the invoice.
Click Review invoice in the top right corner of the Create invoice page to finalise the invoice and schedule it to get sent to your customer
You can see the status of your customer’s invoices in the Invoices section of the customer’s overview page.
Your customer receives their invoice in an email. The invoice contains the instructions for them to submit their payment to cover their purchase.
The invoice is available in three formats: directly in the body of the email, as a PDF attached to the email, and as a hosted invoice page.
You can view the status of a particular invoice at any time on the customer’s overview page.
Custom settings
You can customise your instalments configuration using the Stripe Dashboard payment methods settings page.
You can find the option to enable or disable instalments in your payment methods settings page. This setting allows you to enable instalments for no-code payment methods, including Payment Links and Checkout.
Separately, on the payment methods settings page, you can also configure the specific monthly plans you want to offer and the minimum and maximum transaction amounts for each plan. These plan configurations apply to all of your existing instalments integrations.
Test the integration
You can use the following cards to test your integration:
Number | Description |
---|---|
3, 6, 9, 12, 18, and 24 month instalment plans available | |
No instalment plans available. |