Split an invoice into several installment payments

CentralPay's split-payment option lets you divide up the payment of an invoice and automate the debiting of installments, by credit card or SEPA direct debit.

paiement fractionné : rappel plan de règlement et choix entre paiement par carte ou prélèvement SEPA

Supports

Installment payment methods to suit your customers

Discover CentralPay installment payments

picto symbolisant le paiement par carte

Credit card installment payment

Offer an instant split payment solution for both B2C and B2B sales channels.
To limit financial risk, the service integrates 3DS 2.0 authentication at the time of subscription with the customer, then replays it at subsequent due dates.
picto symbolisant le paiement par prélèvement SDD

SEPA installment payment

Take advantage of a low-cost installment payment option, with a subscription path that’s better adapted to the needs of your B2B customers
To limit the risk of fraud, the service includes an electronic signature of the mandate, accessible only to the recipient of the request.

Features

Automated management of installment payments

picto symbolisant le départ différé

Delayed start

Contract with your customers today, start collecting tomorrow.
Have your payments start automatically after a free trial period or at the beginning of the month to optimize your conversion rate.
picto symbolisant les tentatives programmées

Programmed attempts

Set the frequency of retries that CentralPay will automatically operate for you in case a direct debit failed.
The collection of your due payments is automated, and the platform informs you in real time if necessary.
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Automatic notifications

Program automatic notifications to be sent by email or SMS when needed.
By alerting your customers when their credit card is about to expire or when a direct debit deadline is approaching, you maximize your chances of collection.
schéma du formulaire avec les 4 moyens et 3 canaux de paiement CentralPay

Smart Collection

A hosted payment page to optimize your online checkout and automate your payment collection process, without any technical effort.
To optimize the customer's payment experience.

Customer journey

Easily integrate all your installment payment paths

Use the CentralPay API to manage installment payments, or use the Smart Collection module to offer your customers a subscription plan, without any technical effort.

Frequently asked questions

Learn all about CentralPay installment payments

The CentralPay installment payment solution is designed for merchants who want to split the total amount of a sale and automate payment in several installments at regular intervals.

To determine whether a SEPA or credit card direct debit is more suitable, several factors need to be taken into account:

  • Activity: The average amount of installments drawn, the desired sales path and the habits of your target customers.
  • Location: Depending on the country you are addressing, make sure you choose a method that is adapted to the systems used in those areas.
  • Potential risks: Particular attention must be paid to the limits and expiry dates of the supports.
  • Costs: SDD and credit card direct debit incur different costs, depending on the risks and external charges associated with their use.

In general :

Installment payment offers several advantages:

  • Sales conversion: Paying all at once can make some customers hesitate, especially when the amount is high. With installment payment, you remove this obstacle and simplify decision-making.
  • Reduce the risk of non-payment: In general, a customer will prefer to pay small amounts several times, rather than making a single large payment, especially in the event of financial difficulties.
  • Customer satisfaction: Reduce financial pressure and make payment more comfortable to boost your customers' overall satisfaction.

These two split payment methods have some notable distinctions:

  • Guaranteed installment payment / BNPL (Buy Now Pay Later): Equivalent to consumer credit, it is offered by specialized service providers supervised by a credit institution. It enables consumers, mainly B2C, to pay for their purchases in installments or by deferred payment. The credit institution immediately pays the full amount, deducts its commission from the merchant and then collects the amount from the customer.
  • Non-guaranteed installment payment: Used in B2B and B2C, these are used to divide a payment into several installments, enabling the merchant to automate customer debits on the scheduled dates. Without a credit intermediary, the customer pays no additional commission, but receives the funds as they fall due.