Payments in installments

Implement the new installment plan service on your website: allow your customers to get their purchase immediately and pay for it in convenient monthly installments.
Settlements to your account will be made in the usual manner, on the following business day.
Sign up for YooMoney
Implement this payment method
If you’re already signed up for YooMoney

Simple work scheme

Easy implementation by the YooMoney API

Payment notification sent immediately, the funds are credited to your account on the next business day

The purchase on an installment plan takes a couple of minutes, then the customer returns to the website

Advantages for you

to sales
to average check
to retention
* Approximate numbers provided by YooMoney’s partners

Advantages for customers

  • Fully online. Couple of minutes to fill out the form, couple of minutes to get the decision

  • Buy more. Paying in installments over a period of time is easier than paying the whole amount at once

  • No extra costs. Available options include interest-free periods and early repayment

  • Easy to repay. From a bank card, in cash, or using any other method via the YooMoney wallet.

How it works

Step 1. Customer clicks the Installments button
  1. Customer adds a product to the cart and selects the Installment plan as the payment method.

  2. Sets the terms and the amount of installment payments, as well as other conditions.

  3. Fills out a simple form with their passport details.

  4. Receives the decision a few minutes after. If everything is in order, YooMoney will carry out the transaction immediately.

Instruction for buyers

How to implement

  1. Sign up for YooMoney.

  2. Consult with the manager to decide on the conditions for installment plans you can offer to your clients.

  3. Implement the feature using our manual.

Choose the best conditions

Contact us and tell us about your type of business and products, and we will get back to you with the rates available for you. If you’re already a partner of YooMoney, contact your manager for information.

Questions and answers

About the conditions
How can I implement the installment plan service?
  • Enter into a contract with us (contact the manager for that)

  • Implement the Installments service on your website. How to do that

When and how will I get the money from a credit sale?

You will receive the entire amount after the payment. Settlements will be made on the following business day (transferring to your bank account may take up to 5 days).
The customer will see that they have paid from the YooMoney wallet and will be able to find this payment in the wallet’s history.

What if the buyer doesn’t have a YooMoney wallet?

We will offer them to create a wallet directly from the installment plan registration form. They won’t be able to use the service otherwise.

What are the risks on the store’s side if the buyer doesn’t repay their loan?

You will receive the entire amount upon the sale. The customer will make installment payments to the credit organization, so even if there are any problems with payments, it will not be an issue for you.

What happens to the receipts for payments made on an installment plan (in accordance with Federal Law No. 54-FZ)?

The receipt is issued for theentire amount of the purchase. TEG (settlement method) is 1081, electronic payment method.

What about refunds?

You will process refunds

in the usual manner


About our partners
Which company provides the loan?

The funds for the installment plan are provided by the MCC Credit-Line LLC microfinance organization (PayLate).

Which company provides the insurance for the loan?

The installment plan is insured by VSK insurance company.