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Mastercard Instalment Programme

Enabling Retailer participation

A customer buying jeans at store.

Mastercard Instalment Programme

Adding flexibility to payments with Retailer 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 Retailer

Offers the same fraud and consumer protections as other Mastercard transactions

Merchants will always receive payments in full

Retailer FAQs

Wondering about how the Mastercard Instalment Programme works for retailers? 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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Retailer participation process

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

Step one

Retailer 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 Retailer Participation Form online to Mastercard.

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Step three

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

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At the time of receipt of the Retailer’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 authorisation request in order for Mastercard to process authorisation attempts at the Retailer accordingly, except for Australia.

Mastercard Instalment Program Retailer participation form

Initiate Retailer 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 Retailer participation request in your region.

Canada Retailer Participation Guide

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United Kingdom Retailer Participation Guide

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Australia Retailer Participation Guide

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U.S., UAE and Malaysia Retailer Participation Guide

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Saudi Arabia Retailer Participation Guide

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