# Accept meses sin intereses card payments

Learn how to accept credit card payments using meses sin intereses across a variety of Stripe products.

Installments (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 installments. Review the [compatibility requirements](https://docs.stripe.com/payments/mx-installments.md#requirements).

Accepting an installment payment incurs [an additional fee](https://docs.stripe.com/payments/mx-installments.md#fees) to the standard credit card transaction fee.

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

# Elements


## Installments on the Payment Element 

The [Payment Element](https://docs.stripe.com/payments/payment-element.md) lets you embed a customizable payment form in your website.

Your customers use the Payment Element to pay with cards (with or without installments) and other payment methods that it supports.

## Review Payment Element documentation

The Payment Element allows you to collect installment payments. For information about setting up the Payment Element, see the [quickstart](https://docs.stripe.com/payments/quickstart.md?platform=web).

## Create a PaymentIntent

If you use [dynamic payment methods](https://docs.stripe.com/payments/payment-methods/dynamic-payment-methods.md), installments appear automatically. If not, enable installments as shown in the example below when you create a PaymentIntent.

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d amount=100000 \
  -d currency=mxn \
  -d "payment_method_options[card][installments][enabled]=true"
```

After creating the PaymentIntent, return its [client secret](https://docs.stripe.com/api/payment_intents/object.md#payment_intent_object-client_secret) to the client.

> If you use dynamic payment methods, don’t set `payment_method_options[card][installments][enabled]`. If set to `false` when dynamic payment methods are enabled, you might encounter errors.

## Initialize Stripe Elements

Initializing Stripe Elements with the client secret lets the Payment Element know that installments are in use.

## Complete the payment

When your customer clicks the pay button, call [confirmPayment](https://docs.stripe.com/js/payment_intents/confirm_payment) with the Payment Element and pass a [return_url](https://docs.stripe.com/api/payment_intents/create.md#create_payment_intent-return_url) to indicate where Stripe redirects the user after they complete the payment.

If you encounter a [`processing_error`](https://docs.stripe.com/declines/codes.md#processing_error) or [`transaction_not_allowed`](https://docs.stripe.com/declines/codes.md#transaction_not_allowed) decline, it might indicate that the selected plan isn’t supported by the card issuer. Instruct your customer to retry with a different plan or without installments.

## See also

- [Payment Element integration guide](https://docs.stripe.com/payments/quickstart.md)
- [Payment Element API reference](https://docs.stripe.com/js/element/payment_element)
- [Payment Intents](https://docs.stripe.com/api/payment_intents/object.md)


## Custom settings 

You can customize your installments configuration using the [Stripe Dashboard](https://dashboard.stripe.com/settings/payment_methods) payment methods settings page.

You can find the option to enable or disable installments in your [payment methods settings page](https://dashboard.stripe.com/settings/payment_methods). This setting allows you to enable installments 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 installments integrations.

## Test the integration 

You can use the following cards to test your integration:

| Number           | Description                                               |
| ---------------- | --------------------------------------------------------- |
| 4000004840000008 | 3, 6, 9, 12, 18, and 24 month installment plans available |
| 4242424242424242 | No installment plans available.                           |