Card instalment plans (IPP) let a customer pay for a purchase with their credit card in monthly instalments. This guide is for Singapore merchants who take card payments through QashierPay.
Applies to: Singapore · Qashier POS with QashierPay card payments · IPP must be switched on for your account by Qashier. This article covers Singapore only.
Before you start
Your store accepts card payments through QashierPay. If not, see How to Apply for QashierPay Payment Services in QashierHQ.
Instalment plans have been enabled on your account. If you do not see an instalment option on the payment screen, contact support to request it.
The customer pays with a credit card from a participating bank. Plans are available for Standard Chartered Visa and Mastercard and for Trust Bank Visa, with tenures of 6, 12 or 24 months. The bank decides whether the card qualifies.
The sale must meet the minimum amount for instalments. If it is too small, take a regular card payment instead.
Steps
Ring up the sale on Qashier POS as usual and tap Pay.
On the payment method screen, tap the instalment tile. It sits beside the regular card tile and only appears when instalments are enabled for your store.
Hand the transaction to the card terminal. Follow the prompts on the terminal to choose the instalment plan (bank programme and number of months), then let the customer tap or insert their card and enter their PIN if asked. If no plan is offered (for example, the sale is below the instalment minimum or the card does not qualify), cancel and take a regular card payment instead.
Wait for the approval. The POS completes the sale and prints the receipt.
What you should see
The receipt shows the plan as a separate line, for example Visa Instalment Plan (Total: $600.00) or SC Instalment Plan (Total: $600.00), followed by Monthly Payment, Tenure (in months) and Fees when the terminal returns them.
On the POS, Transaction Record lists the payment as an instalment plan rather than a plain card payment.
In QashierHQ Transactions, the payment method shows as Instalment. Open the transaction to see the plan (for example, Visa Instalment Plan) with its Monthly Payment and Tenure.
For when instalment sales are paid out to you, see [SG] When Will I Receive My Payouts? Settlement & Payout Schedule.
Instalment transactions have their own processing rate, which depends on the bank and the tenure. Your rates are in your QashierPay agreement; contact support if you are unsure what applies to you.
Voids and refunds
Void an instalment payment the same way as a regular card payment: see How to Void or Refund a Card Payment (QashierPay) in Qashier POS. If the terminal declines the void, contact support with the receipt number.
If something goes wrong
Symptom | Likely cause | What to do |
No instalment tile on the payment screen | Instalments are not enabled for your store | Contact support to enable them, then restart the POS app so the new payment settings load |
The terminal offers no plan or declines the card | The card is not from a participating bank, the sale is below the instalment minimum, or the bank rejected the plan | Ask the customer for another card or take a regular card payment |
Receipt shows a plain card payment, not an instalment plan | No instalment plan was chosen on the terminal, for example because the regular card tile was tapped | Void the payment and redo it from the instalment tile |
Still stuck? Contact Qashier Support with the receipt number and the time of the sale.
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Last verified: 25 Sep 2026 · Markets: SG