Split an invoice into several installment payments

Installment payment offers several advantages:

• Conversion des ventes : Payer en une seule fois peut faire hésiter certains clients, surtout quand le montant est élevé. With installment payment, you remove this obstacle and simplify decision-making.
• Réduire le risque d’impayés : En général, un client préférera payer plusieurs fois de petites sommes, plutôt qu’effectuer un seul paiement important, en particulier en cas de difficultés financières.
• Satisfaction client : Réduire la pression financière et rendre le paiement plus confortable pour renforcer la satisfaction globale de vos clients.

These two split payment methods have some notable distinctions:

• Guaranteed installment payment / BNPL (Buy Now Pay Later): Equivalent to consumer credit, it is offered by specialized service providers supervised by a credit institution. It enables consumers, mainly B2C, to pay for their purchases in installments or by deferred payment. The credit institution immediately pays the full amount, deducts its commission from the merchant and then collects the amount from the customer.
• Non-guaranteed installment payment: Used in B2B and B2C, these are used to divide a payment into several installments, enabling the merchant to automate customer debits on the scheduled dates. Without a credit intermediary, the customer pays no additional commission, but receives the funds as they fall due.