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BNPL for WooCommerce: let customers pay in installments
Offer buy now, pay later in your WooCommerce store with MONEI Flex. Shoppers split their card purchase into 3, 6, 9 or 12 monthly installments right at checkout, including a 3-month interest-free option.
The customer's own bank finances the installments, so you get paid the full amount upfront and take on no credit risk. It works with the MONEI plugin for WooCommerce and WordPress, with no extra code.
Sell more with installment payments in WooCommerce
Buy now, pay later makes larger purchases feel more affordable. When shoppers can spread the cost over a few months, more of them complete checkout and many choose a bigger basket or the higher-priced option.
- Get paid in full upfront: you receive the whole purchase amount in your next settlement, just like a regular card sale.
- No credit risk: the customer's bank finances the plan, so a missed installment never affects you.
- No new account for shoppers: customers use the credit or debit card they already have, with no app to download or form to fill in.
- Clear terms: any interest or fees are set by the cardholder's bank and shown before they confirm.
How BNPL works at your WooCommerce checkout
Your customer pays by card as usual. During the 3D Secure step, MONEI checks instantly whether their card and bank support installments for that amount.
If they do, the customer chooses to pay in full or split the purchase into 3, 6, 9 or 12 monthly payments. Installments are offered on purchases of €60 or more, and you can set your own amount range with rules in your MONEI Dashboard.
Learn more about MONEI Flex installment payments or read the MONEI Flex documentation.
Installments and every other way to pay, in one WooCommerce plugin
MONEI Flex is one more option at a frictionless checkout. With the same WooCommerce payment gateway, you can accept:
- Credit and debit cards, with installments through MONEI Flex
- Bizum
- Digital wallets like Apple Pay, Google Pay and PayPal
- Multibanco and MB Way for customers in Portugal
Manage them all from a single dashboard, with transaction fees that drop as your sales grow. View pricing here.
Add installment payments to WooCommerce in a few steps
Use MONEI's WooCommerce payment gateway plugin for WordPress to accept cards, installments and more. Wondering how it works? View a live WooCommerce demo here.
1
Create your MONEI account
Sign up for MONEI. Your account is usually approved within 48-72 working hours.
2
Activate MONEI Flex
MONEI Flex isn't enabled by default. Contact our Support Team to activate it for your account.
3
Install the MONEI plugin
In your WordPress dashboard, go to Plugins → Add New, search for MONEI, then click Install and Activate.
4
Connect your store
Copy your Account ID and API Key from Settings → API Access in your MONEI Dashboard, then paste them in WooCommerce → Settings → MONEI Settings.
5
Enable card payments
Go to WooCommerce → Settings → Payments and enable MONEI card payments. Installment options appear automatically on eligible card payments.
6
Test and go live
Place a test order in test mode, then switch to live mode to start accepting installment payments.
BNPL for WooCommerce FAQ
Install the free MONEI plugin for WooCommerce, connect it with your MONEI API credentials and ask our Support Team to activate MONEI Flex. From then on, installment options appear automatically on eligible card payments. No extra plugin or code is needed.
Customers can split a purchase into 3 monthly payments with no interest and no fees, or choose a 3, 6, 9 or 12-month plan. The interest and fees of the longer plans are set by the customer's bank and shown before they confirm. Customers can always pay in full instead.
You receive the full purchase amount in your next settlement, exactly like a regular card sale. The customer's bank finances the installments and carries the credit risk, so a missed installment never affects your payout.
MONEI Flex adds 2.4% to your standard card transaction fee, only on sales the customer splits into installments. Sales paid in full keep your standard card fee. There is no setup or monthly fee for MONEI Flex. See pricing.
No. Customers pay with the credit or debit card they already have. Their bank checks eligibility instantly during the 3D Secure step, so there is no new app, account or application form.
MONEI Flex works with credit and debit cards issued by Spanish banks, including BBVA, Santander, Bankinter, Kutxabank, Unicaja, Ibercaja, Cajamar, Caja Rural, Openbank, Bankintercard, Iberia Cards, Santander Consumer Finance, Arquia Banca, Caja Ingenieros, Eurocaja Rural and Cajalmendralejo.
Installments are offered on purchases of €60 or more, with no maximum. You can create rules in your MONEI Dashboard to offer MONEI Flex only within an amount range that suits your store.
Yes. The MONEI plugin supports the WooCommerce Blocks cart and checkout as well as the classic shortcode checkout and HPOS. It requires WordPress 5.0+, WooCommerce 3.0+ and PHP 8.0+. See the WooCommerce plugin guide.
Yes. Installment payments are refunded like any card payment, from the order in your WooCommerce admin or from your MONEI Dashboard. The customer's bank adjusts their installment plan automatically.
Most BNPL providers make shoppers leave your checkout, open an account with them and pass their own credit check. With MONEI Flex, installments are financed by the customer's own bank on the card they already use, inside the same checkout, and you manage every payment method from one MONEI account.
Not currently. MONEI Flex is available for cards issued by Spanish banks and payments in euros. Customers from other countries can still pay in full with cards, Apple Pay, Google Pay or PayPal.
