Flexible Payment & Instalment Options

How instalment payments usually work in the EU and US when you split a credit card charge

EU Instalment Payments Step by Step

Most EU banks offer “instalment plans” or “payment deferral” directly inside your online banking app. The name changes by country, but the logic is the same:

1. You pay the full amount by card at checkout (normal payment).

2. Once the transaction appears in your banking app, you tap on it.

3. Your bank offers options like “Pay in 3 / Pay in 6 / Pay in 12”, or “Split this payment over X months.”

4. The bank converts that one charge into an instalment plan on their side.

5. You get lower fees and zero risk of third-party payment blockers.

This works with Visa, Mastercard and sometimes debit cards.
It’s super common in Italy, France, Germany, Spain, the Netherlands and the Nordics. 

Your billing will show as “FDL Ltd” for discretion.

Why people prefer this

Most customers prefer this because it’s instant, private, and avoids the strict product-category checks used by PayPal/Klarna.

• No third-party approval (so no adult-industry complications).

• Instant and done inside your banking app.

• Usually cheaper than Klarna/PayPal fees.

• Zero impact on your order, since we receive the payment normally.

Examples by country

• Italy: “Rateizza” or “Paga a rate” appears in Intesa, UniCredit, Fineco, PostePay.

• France: “Étalement de paiement” or “Paiement en plusieurs fois” via BNP, Crédit Agricole, Société Générale.

• Spain: “Fraccionar pago” in Santander, BBVA, CaixaBank.

• Germany: “Ratenzahlung” directly in Sparkasse, Volksbank, N26.

• Netherlands: ABN Amro and ING allow instalments on recent card payments.
  
  

How does it work in the US?

In the US, instalment payments work a bit differently.

1. PayPal Pay Later and Klarna
If available for your state and product category, they’ll appear at checkout automatically. Availability depends on your billing address and their internal checks.

2. Credit card instalments through your bank
Many US banks let you split a card payment directly from your banking app, with no calls or forms, for full privacy.
Examples include:

• Chase MyPlan

• Citi Flex Pay

• Bank of America Balance Assist / payment plans

• Wells Fargo payment plans

• Capital One “Split Purchase” (selected cards)

It works like this:

1. You pay normally by credit card at checkout.

2. Once the charge appears in your app, tap the transaction.

3. If your card supports it, you’ll see an option like “Split into monthly payments”, “MyPlan”, “FlexPay”, etc.

4. Your bank converts that single purchase into instalments on their side.

5. No third-party approvals and full privacy, since it’s handled directly with your bank.

Most customers prefer this because it’s instant, private, and avoids the strict product-category checks used by PayPal/Klarna.

Your billing will show as “FDL Ltd” for discretion.

 

PayPal - Pay Later

Check availability for this option at checkout. Eligibility depends on your PayPal account and country.

• 0% interest when paid on time
• Fast approval at checkout
• Buyer Protection included
• Fully managed from your PayPal account

Country examples:

• UK: Pay in 3 (£30–£2,000)
• France / Spain / Italy: Pay in 4 over 6 weeks
• Germany: Up to 24-month financing
• US / Australia: Pay in 4 (bi-weekly)