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Accept payments on installment plans at your website
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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

+17%
to sales
+20%
to average check
+30%
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 Installments service for online stores?
▾
To implement installment plans or credit sales for stores, enter into a contract with YooMoney. After that, contact your manager and add the module for installment payments to your website. How to do that.
When and how will I get the money from a credit sale?
▾

If the customer selected Installments in the online store, they will be repaying the loan to the credit organization in parts on a periodic basis. You will receive the entire amount on the day after the loan is approved.

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

The customer must have a YooMoney wallet to make installment payments. This is a requirement for anyone taking out a loan via YooMoney. We will offer them to open a wallet while they are filling out the loan application.

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

There are no risks for you. After the loan is approved and the first installment payment is made, you will receive the entire amount of the purchase. After that, the customer will be making 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 credit sales (in accordance with Federal Law No. 54-FZ)?
▾

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

What about refunds?
▾

Refunds are processed

in the usual manner

. You can return money via Merchant Profile, by a payment order, after personally contacting the customer, or by setting up automatic refunds via our API. The fact that the purchase was paid for in installments doesn’t affect the refund process for the seller.

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.