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HomePaymentsAdd payment methodsCardsInstallmentsMexico installments

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.

Accepting an installment payment incurs an additional fee to the standard credit card transaction fee.

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

Integrate with Invoicing

You can accept installments with Invoicing.

Invoices provide an itemized 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 installments) and other payment methods that support Checkout.

Enable installments for Invoicing

You can create an invoice that accepts a payment with installments with the Invoicing API or with the Stripe Dashboard.

If you want more customization, 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 installments for individual invoices but not for subscriptions.

Use the Invoicing API to set up an invoice that can be paid with installments

Stripe Invoicing allows you to collect payments with installments. You can use this integration guide to set up invoices.

  1. Review Invoicing documentation
  2. Create a new Invoice
  3. Select an Installment plan on the client
  4. Retrieve the selected Installment plan

Review Invoicing documentation

Review the Invoicing API integration guide and Invoicing API docs to familiarize 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

Installments only work with collection_method set to send_invoice mode, not charge_automatically mode.

Command Line
curl https://api.stripe.com/v1/invoiceitems \ -u
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:
\ -d "customer"="{{CUSTOMER_ID}}" \ -d "price"="{{PRICE_ID}}"
Command Line
curl https://api.stripe.com/v1/invoices \ -u
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:
\ -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"

Select an Installment plan on the client

The hosted invoice page displays the available installment options based on the credit card number provided by the customer.

If a customer clicks on Pay in installments, the installment plan option selected by default is the first plan on the list.

The customer can select their desired installment option in the hosted invoice interface.

Installment plans only show up 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 behaviors.

Retrieve the selected Installment plan

The selected installment plan is available through both the Dashboard and API. In the Dashboard, click a payment and scroll down to Payment details. If it used installments, you see the length of the plan.

The selected installment 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 installment plan the customer selected.

Command Line
curl https://api.stripe.com/v1/invoices/{{INVOICE_ID}} \ -u
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:

With the payment intent ID, retrieve the PaymentIntent object:

Command Line
curl https://api.stripe.com/v1/payment_intents/{{PAYMENT_INTENT_ID}} \ -u
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:

The PaymentIntent object then shows the selected installment 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 installments

To configure installments 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 of 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.

  1. 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)
  1. Click on your newly created customer to view their information, including their Invoices.

  2. On the customer’s overview page, click Actions and then select Create invoice to set up a new invoice for that customer.

  3. 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 installments is also enabled.

  4. Click on Find or add an item under the Items section to add products to the invoice.

  5. Click Review invoice in the top right corner of the Create invoice page to finalize the invoice and schedule it to get sent to your customer

  6. 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 customize your installments configuration using the Stripe Dashboard payment methods settings page.

You can find the option to enable or disable installments in your payment methods settings page. 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:

NumberDescription
3, 6, 9, 12, 18, and 24 month installment plans available
No installment plans available.
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