emerchantpay integrates Visa Instalments for UK merchants

By Aarav Garg

emerchantpay has integrated Visa Instalments Solutions into its payment platform, enabling UK merchants to offer instalment payment options to eligible Visa cardholders at checkout.

The integration allows consumers to split qualifying purchases into smaller scheduled payments using their existing credit line through participating financial institutions. The solution includes real-time eligibility checks and enables customers to review available instalment plans, costs and repayment terms directly within the checkout process.

Jon Horddal, Chief Product Officer at emerchantpay, commented, “Flexible payment options are rapidly growing in popularity as consumers want choice, flexibility and security. Introducing Visa Instalments into our existing offering will enable merchants to meet consumer demand for faster and more seamless payment experiences.”

emerchantpay said the integration is intended to help merchants improve conversion rates, reduce checkout friction and provide greater flexibility for consumers increasingly seeking alternative payment methods. The company added that the rollout forms part of its broader strategy to expand flexible payment options for businesses and shoppers.

Mark Wilcocks, VP Product & Solution UK & Ireland  at Visa, added, “As consumer demand for instalment payment options continues to rise, merchants are rightly prioritising solutions that are simple to deploy, work seamlessly at checkout and help them convert demand to completed sales.” 

Demand for instalment and deferred payment services has continued to grow across the UK retail market. Industry data from UK Finance shows that 25% of UK adults used deferred or instalment-based payment options during 2024, up from 14% the previous year. Separate research from The Payments Association found that merchants not offering flexible payment methods risk higher cart abandonment rates, while many businesses reported increased sales after introducing instalment options at checkout.

The collaboration reflects wider competition among payment providers and merchants to embed more flexible financing tools into digital commerce platforms. The UK buy now, pay later and instalment payments market continues to expand as consumer payment preferences evolve across online and in-store retail channels.