--- title: "Financing and installment options" description: "Let customers spread a big bill over time—and see exactly what each installment plan costs before they commit. You still get paid upfront, in full." lastModified: "2026-06-13" lang: "en" wordCount: 987 url: https://qualyhq.com/training/payments/financing-and-installment-options --- ## Site navigation - [For schools](/international-education/for-schools.md) — For international education schools - [For agents](/international-education/for-education-agents.md) — For international education agents - [Explore](/training.md) — Watch videos on how to use Qualy - [About](/about.md) — Learn about Qualy's mission and values - [Pricing](/pricing) - [5-min demo](/demo.md) - [Login](https://dashboard.qualyhq.com) # Financing and installment options > Let customers spread the cost, and see exactly what it'll cost them. ## At a glance - **Intended for:** Everyone - **Available in:** All plans - **Reading time:** 3 minutes - **Last updated:** 31st May 2026 ## Quick summary Customers can spread the cost—Brazilian cards can be split into up to 18 monthly installments, and in some regions a buy-now-pay-later option is available too. Before anyone commits, use the financing simulation to show exactly what each plan costs: choose a method, enter the amount, and Qualy lays out the per-installment amount, the total and the interest. The most important part for you: even when a customer pays over time, you receive the full amount upfront, and if they miss a payment that risk sits with the payment provider, not with you. ## Overview Big tuition bills are far easier to say yes to when they can be spread out. Qualy lets customers **pay over time**—and, just as importantly, lets you show them **exactly what that will cost** before they commit, using the **financing simulation**. The headline for you: **even when a customer pays in installments, you still receive the full amount upfront.** You don't wait, and you don't carry the risk if they miss a payment. ## Ways customers can spread the cost ### Installments on a Brazilian card Brazilian customers can split a card payment into as many as **18 monthly installments**. They simply choose how many at checkout—anywhere from paying in one go up to 18 times. ### Buy now, pay later In some regions, a **buy-now-pay-later** option lets customers pay later or in a few installments. From your side it works the same way—the customer gets flexibility, and you get paid. Which options a customer sees depends on **where they're paying from**. Qualy shows the right ones automatically—you don't have to set anything up per customer. ## You get paid upfront—every time This is the part that matters most. **When a customer pays in installments, you receive the full amount in one go**, not month by month. The customer repays over time on their side, and the **payment provider** handles that arrangement. And if the customer misses their payments? That's not your problem. Because you've already been paid in full, the **risk of a customer not keeping up sits with the provider, not with you.** You collect once, in full, and move on. ## Show the cost first: the financing simulation Spreading a payment isn't free for the customer—the more months they choose, the more they pay in total, plus a small fixed fee. None of this changes what **you** receive; it only affects the customer's total. The simulation lets you show them that total in plain figures before they decide. 1. Open the **financing simulation** 2. **Choose a method** and enter the **amount** 3. Review each option For every option, Qualy lays out: - The **per-installment amount** - The **total** the customer will pay - The **interest** Options run from **1x (paying in one go)** up to the maximum number of installments available. Where the payment involves **currency conversion**, the simulation accounts for it, so the figures reflect the customer's own currency. Spreading the cost adds **interest and a small fixed fee**, so the customer's total is higher than paying in one go. The simulation makes this completely transparent—share it so the customer chooses with their eyes open. ## At checkout When a customer reaches checkout, the available options appear directly, so they can pick the plan that suits them. See the portal guide for the customer's view. ## Frequently asked questions ### What is the financing simulation? A tool that shows the real cost of spreading a payment over time, before anyone commits. You enter the amount and choose a method, and Qualy lays out each installment option—the per-installment amount, the total, and the interest—so you and the customer can see exactly what each choice costs. ### How many installments can a customer pay in? Brazilian customers can split a card payment into up to 18 monthly installments. They choose how many at checkout, anywhere from paying in one go up to 18 times. In some regions a buy-now-pay-later option is also available, which lets the customer pay later or in a few installments. Which options appear depends on where the customer is paying from. ### If a customer pays in installments, when do I get paid? Upfront, in full. Even when the customer spreads the cost over several months, you receive the whole amount in one go—you don't wait month by month. The customer repays over time on their side. ### What if a customer doesn't keep up with their payments? It doesn't affect you. Because you've already been paid in full, the risk of a customer missing payments sits with the payment provider, not with you. You collect once and move on. ### Does financing change the total the customer pays? It changes the customer's total, not yours. Spreading the cost adds interest, and the more months they choose the more they pay in total, plus a small fixed fee. None of this changes the amount you receive. The simulation shows the customer their real total up front so there are no surprises. ### Can customers choose how to split the payment themselves? Yes. At checkout the customer picks the plan that suits them—anywhere from paying in one go (1x) up to the maximum number of installments available for their payment. ### Does financing work across currencies? Yes. Where currency conversion is involved, the simulation accounts for it so the figures reflect the customer's own currency. ### Is the simulation binding? No. It's there to show the costs and help the customer decide. The actual financing is set up only when they choose that option at checkout. ## Prefer doing this via the Qualy API? Head over to our developer docs for everything you need—endpoints, examples, and simple how-tos. 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