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Mastercard Instalment Programme

Enabling merchant participation

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Mastercard Instalment Programme

Adding flexibility to payments with merchant participation

The Mastercard Instalment Programme provides consumers with the ability to split the cost of a purchase into equal instalment, giving them greater convenience and control in how they pay, all backed by robust fraud protection from a brand they trust. This simple Buy Now Pay Later experience enables you to increase basket size and grow revenue, all through your existing Mastercard acceptance.

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Benefits of the Mastercard Instalment Programme

Tap into a new audience to increase conversion and basket size

No additional lift or integration cost to the merchant

Offers the same fraud and consumer protections as other Mastercard transactions

Merchants will always receive payments in full

Merchant FAQs

Wondering about how the Mastercard Instalment Programme works for merchants? Review the FAQs for your region.

Canada and UK FAQs

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Australia FAQs

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U.S., Saudi Arabia, UAE and Malaysia FAQs

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Merchant participation process

Merchants have the ability, at any time, to update their participation status in the Mastercard Instalment Programme by informing their acquirer.

Step one

Merchant notifies their acquirer of their decision to update their participation status in the Mastercard Instalment Programme.

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Step two

Acquirer submits Mastercard Instalment Programme Merchant Participation Form online to Mastercard.

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Step three

The Mastercard network will decline or approve transactions based on merchant participation status and the product codes associated with the programme and will provide information to participating lenders in the respective regions of merchants’ participation status, except for Australia.

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At the time of receipt of the merchant’s participation request, the acquirer must also populate the MAID corresponding to that request into Data Element (DE) 48 (Additional Data — Private Use), subelement 32 (Mastercard-assigned ID) of the authorization request in order for Mastercard to process authorization attempts at the merchant accordingly, except for Australia.

Mastercard Instalment Program merchant participation form

Initiate merchant participation requests using our online form (available for acquirers in U.S., Saudi Arabia, Australia, UK, Canada, UAE or Malaysia.)

Access form
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Detailed guides

Access detailed instructions on how to submit a merchant participation request in your region.

Canada Merchant Participation Guide

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United Kingdom Merchant Participation Guide

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Australia Merchant Participation Guide

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U.S., UAE and Malaysia Merchant Participation Guide

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Saudi Arabia Merchant Participation Guide

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