Accept meses sin intereses card payments

Learn how to accept credit card payments using meses sin intereses across a variety of Stripe products.

Meses sin intereses is a feature of consumer credit cards in Mexico that allows customers to split purchases over multiple billing statements. You receive payment as if it were a normal one-time charge, with fees deducted, and the customer’s bank handles collecting the money over time.

There are restrictions on which transactions and cards can use meses sin intereses. You can review the compatibility requirements for meses sin intereses.

When you accept a meses sin intereses payment, an additional fee is added to the standard credit card transaction fee.

You can enable meses sin intereses across a variety of Stripe products. Review the instructions below for the different implementations that we support.

Integrate with Checkout

You can accept meses sin intereses with 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 meses sin intereses) and other payment methods that support Checkout.

Enable meses sin intereses with the Checkout Sessions API

Stripe Checkout allows you to collect meses sin intereses payments. You can use this integration guide to set up Checkout. After you set up Checkout, you can use it to enable meses sin intereses by following the instructions below.

Review Checkout documentation
Create a new Checkout session
Select an Installment plan on the client
Retrieve the selected Installment plan

Review Checkout documentation

Review the Checkout Sessions API integration guide and Checkout Sessions API docs to familiarize yourself with how to create a Checkout page.

Create a new Checkout session

Create a new Checkout session with installments enabled as shown in the example below. You need to substitute your own API key and price object.

Note

Meses sin intereses only works with payment mode, not setup or subscription mode.

Command Line

curl https://api.stripe.com/v1/checkout/sessions \
  -u "sk_test_4eC39HqLyjWDarjtT1zdp7dc
:" \
  --data-urlencode success_url="https://example.com/success" \
  --data-urlencode cancel_url="https://example.com/cancel" \
  -d "line_items[0][price]"={{PRICE_ID}} \
  -d "line_items[0][quantity]"=3 \
  -d mode=payment \
  -d "payment_method_options[card][installments][enabled]"=true

Select an Installment plan on the client

The hosted Checkout page displays the available installment options based on the credit card number provided by the customer.

If a customer clicks on Pay in installments (meses sin intereses), the installment plan option selected by default is the first plan on the list.

The customer can select their desired installment option using the Checkout interface.

Note

Installment plans only show up for credit cards that support them and for transactions that have a total amount greater than or equal to 300.00 MXN.

In test mode, you can use test card numbers to test different behaviors.

Retrieve the selected Installment plan

The selected installment plan is available through both Dashboard and API. In the Dashboard, click on a payment and scroll down to Payment details. If the transaction used installments, you’ll see the length of the plan…

The selected installment plan is also available on the Payment Intent. After the user has completed payment, get the payment intent ID from the Checkout Session object (for example, "payment_intent": "pi_...") and then use that payment intent ID to retrieve the PaymentIntent object to see which installment plan the customer selected.

Command Line

curl https://api.stripe.com/v1/checkout/sessions/{{CHECKOUT_SESSION_ID}} \
  -u "sk_test_4eC39HqLyjWDarjtT1zdp7dc
:"

With the payment intent ID, retrieve the PaymentIntent object:

Command Line

curl https://api.stripe.com/v1/payment_intents/{{PAYMENT_INTENT_ID}} \
  -u "sk_test_4eC39HqLyjWDarjtT1zdp7dc
:"

The PaymentIntent object then shows the selected installment plan:

{
  "id": "pi_...",
  "object": "payment_intent",
  "amount": 100000,
...
  "charges": {
    "data": [
      {
        "id": "ch_...",
        "object": "charge",
        "amount": 100000,
        "payment_method_details": {
          "card": {
            "installments": {
              "plan": {
                "count": 3,

At this point, you’ve successfully used the Checkout Sessions API to accept payments using meses sin intereses. For more information on setting up Checkout, review the Checkout integration guide. For more information on the meses sin intereses API setup, review the instructions for integrating with the Payment Intents API. You might also find useful information in the Checkout Sessions and Payment Intents API docs.

Custom settings

You can customize your meses sin intereses configuration using the Stripe Dashboard payment methods settings page.

You can find the option to enable or disable meses sin intereses in your payment methods settings page. This setting allows you to enable meses sin intereses for no-code payment methods, including Payment Links and Checkout.

Separately, on the payment methods settings page, you can also configure the specific monthly plans you want to offer and the minimum and maximum transaction amounts for each plan. These plan configurations apply to all of your existing meses sin intereses integrations.

Test the integration

You can use the following cards to test your integration:

Number	Description
	3, 6, 9, 12, 18, and 24 month installment plans available
	No installment plans available.