Instalment payments enable customers to stagger their payments for purchases, breaking down the total amount into smaller, sequential payments. Commonly denoted as 3x, 4x, or even 10x or 20x payments, this method empowers customers, enhancing their purchasing capability and granting access to goods or services that might otherwise be financially challenging.

While traditionally associated with significant purchases, the popularity of instalment payments has grown, encompassing a broad spectrum of items. It's worth noting that, if the payment period extends beyond 3 months, French Consumer Code regulations come into play. For periods shorter than 3 months, statutory cooling-off periods do not apply.

In certain instances, instalment payment requests may face refusal. Customers encountering such situations should liaise with their financial institution to understand the grounds, typically related to financial constraints or suspected fraud.

Please Note: Despite the increasing prevalence of no-cost instalment payment methods, this is not always the case. Merchants or customers may incur costs, impacting the overall purchase amount.