Accept instalment card payments

Learn how to accept credit card payments using instalments across a variety of Stripe products.

Instalments (分割払い) are a type of credit card payment in Japan that allows customers to split purchases over multiple billing statements. You receive the full amount as with standard card payments, and the customer’s card company provides credit and collects the funds over time.

Some restrictions apply to which transactions and cards can use instalments. Review the compatibility requirements.

You can enable instalments across a variety of Stripe products. Choose the instructions below that match your implementation.

Checkout

Elements

Direct API

Invoices

No code

Instalments on Stripe Checkout

Checkout creates a secure, Stripe-hosted payment page that lets you collect payments quickly. It works across devices and can help increase your conversion. Checkout provides a low-code way to get started accepting payments.

Your customers use Checkout to pay with cards (with or without instalments) and other payment methods that support Checkout.

Review Checkout documentation

Stripe Checkout allows you to collect instalment payments. For information about setting up Checkout, see the quickstart.

Create a new Checkout session

If you use dynamic payment methods, instalments appear automatically. If not, create a new Checkout session with instalments enabled as shown in the example below. Substitute your own price object.

Note

Instalments only works with payment mode, not setup or subscription mode.

Command Line

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cURL

Stripe CLI

Ruby

Python

PHP

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Node.js

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Redirect to Checkout

After creating the session, redirect your customer to the URL for the Checkout page returned in the CheckoutSession.

See also

• Checkout integration guide
• Checkout Sessions
• Payment Intents

Test the integration

You can use the following cards to test your integration.

Testing successful payments

Testing payment failures

Sometimes a card might be a valid Japan-issued credit card, but the card issuer decides to decline the transaction. You can use the card number below to retrieve a list of supported instalment plans, but the transaction fails with a card_declined error.