Card Installments

Allow customers to split card payments into interest-free or low-interest monthly installments with major Thai banks.

Overview

Card installments let customers pay for purchases in monthly installments directly through their credit card issuer. Popular in Thailand for purchases over ฿3,000.

Key Features:

• ✅ Popular in Thailand - Widely used for larger purchases
• ✅ Major banks - Supported by all leading Thai banks
• ✅ Flexible terms - 3, 4, 6, 9, 10 months
• ✅ Merchant funded - Merchant receives full amount upfront
• ✅ Customer convenience - Manage installments through bank

Supported Banks:

• Kasikornbank (K-Bank)
• Bangkok Bank (BBL)
• Siam Commercial Bank (SCB)
• Krungthai Bank (KTB)
• Krungsri (Bank of Ayudhya)

How It Works

1. Customer selects installment payment
2. Chooses bank and installment term (3-10 months)
3. Enters card details
4. Bank approves installment plan
5. Merchant receives full amount
6. Customer pays bank monthly

Implementation

See full guide: Installments Integration

const charge = await omise.charges.create({
    amount: 300000, // ฿3,000 minimum
    currency: 'THB',
    card: cardToken,
    installment_terms: 6 // 6-month installment
});

Supported Terms

Bank	3M	4M	6M	9M	10M
K-Bank	✅	✅	✅	✅	✅
BBL	✅	✅	✅	✅	✅
SCB	✅	-	✅	✅	✅
KTB	✅	✅	✅	✅	-
BAY	✅	✅	✅	-	✅

Requirements

• Minimum amount: ฿3,000
• Thailand-issued credit cards only
• Merchant must be approved for installments

Related Resources

• Installments Full Guide
• Credit Cards
• Atome - Third-party BNPL