Published: September 29, 2025 | Last updated: September 29, 2025
Installment sales in e-commerce are becoming the norm rather than just an option. With solutions like Przelewy24 Installments, online stores can not only increase conversion rates and average basket value but also build customer loyalty and improve cash flow.
Why are installment plans so important? Because they meet real consumer needs: buyers want to get the product right away but not necessarily pay the full amount upfront. This is where solutions like flexible financing, 0% installments, and simplified API integrations come in.
In this article, we’ll show you exactly:
- How to implement installment payments in your online store.
- Why Przelewy24 Installments are one of the most comprehensive e-commerce solutions on the market.
- How to leverage various e-commerce platforms and ready-made integrations.
- Which marketing techniques best support your installment sales strategy.
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Table of Contents
- What are installment payments in e-commerce?
- Why implement installments in your online store?
- Benefits of the Przelewy24 Installments system
- API Integration and e-commerce platforms
- Marketing strategies for installment sales
- Case study: success of depilacja.pl
- FAQ – frequently asked questions
- E-commerce installments: quick summary
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- Installment sales can increase the average basket value by up to 45%
- Przelewy24 Installments offer fast payouts and simple API integration
- Supported popular e-commerce platforms: Shoper, WooCommerce, Magento, PrestaShop, Shopify
- 0% installments or interest-bearing up to PLN 50,000 – options for every client
What are installment payments in e-commerce?
Installment payments in an online store are a financing method allowing customers to spread the total purchase amount into smaller monthly payments. This enables purchases even when the entire budget isn't available at the moment.
Common installment models:
- 0% Installments – no additional costs for the customer, fully financed by the merchant or payment provider
- Interest-bearing installments – part of the repayment is interest-based, allowing the merchant to retain margin
- Mixed installments – combine both models and adapt to different customer segments
Why do customers choose installments?
- They don't have the full amount at the time of purchase
- They prefer to budget monthly
- They're looking for deals (e.g., 0% installments)
- They want to buy a more expensive product that would otherwise be out of range
Why implement installments in your online store?
Installment payments are not a bonus – they’re a real business tool. They enable:
Increased sales conversion
Adding an installment option can significantly boost conversion rates — especially if the customer sees this option clearly on the product page.
Higher average order value
Implementing 0% installments at depilacja.pl increased the average basket value by 45% compared to other payment methods.
Access to new customer segments
Younger people, students, and budget-conscious consumers are more likely to purchase if they can split the payment.
Building loyalty
Spreading payments over several months creates a lasting relationship between the store and the customer, encouraging repeat purchases.
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Benefits of the Przelewy24 Installments system
Przelewy24 Installments is an all-in-one solution that supports every aspect of installment sales in e-commerce – from technical integration to full promotional support.
1. Diverse financing models
- 0% Installments — perfect for promotions and seasonal campaigns
- Interest-bearing installments — for customers who need to extend repayment up to 60 installments
- Mixed — dynamically adapted to the customer’s needs
2. Extensive integration capabilities
Flexible configuration and fast API integration allow implementation both in custom-built stores and on popular platforms such as WooCommerce and Magento.
3. Complete promotional materials
Przelewy24 provides ready-to-use tools such as:
- Widgets on the product page and in the cart
- Installment calculator with dynamic simulation
- Banners and messaging for your website and social media
4. Speedy payouts and support
- Instant payouts after order finalization
- Installment return handling — simple and integrated with the payment system
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API Integration and e-commerce platforms
You don't need to be a developer to implement Przelewy24 Installments. The solution supports the most popular e-commerce platforms:
- WooCommerce
- Magento
- PrestaShop
- Shopify
- Shoper
API integration – for advanced needs
Przelewy24’s API allows for custom implementations handling everything from calculating installment options to full checkout and CRM integration.
Want seamless payment processing? Check out Przelewy24's payment solutions
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Marketing strategies for installment sales
1. Promote installments everywhere
- Homepage
- Product page (most important!)
- Checkout
- Blog posts
- Social media
2. Effective exposure on the product page
Why is this so important?
- 70% of customers land directly on the product page (e.g., from Google Shopping)
- 20% of customers enter through the homepage and then navigate to the product page
Show that the customer can buy now and pay later. It works better than discounts — giving users the power to decide later.
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Case study: depilacja.pl
Implementing Przelewy24 Installments at depilacja.pl generated impressive results within just 4 months:
- 296 customers used installment payments
- Total order value: over PLN 600,000
- Average cart value: PLN 2,036 (vs PLN 1,406 using other payment methods)
That's a 45% increase in cart value. It shows how customers are ready to buy more when offered financing options.
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FAQ – frequently asked questions
1. Do I need a separate agreement with a bank to offer Przelewy24 installments?
No. One agreement with Przelewy24 is enough — no separate bank negotiations needed.
2. How long does it take to integrate installments into my store?
For platforms with plug-ins – 1 to 3 days. Custom API integration may take 3 to 7 days.
3. Can I offer both 0% and interest-bearing installments?
Yes. The Przelewy24 system allows you to mix both options depending on your product range and pricing strategy.
4. Are there additional costs for the merchant?
Costs depend on the installment type (0% or interest-bearing) and contract terms. For 0% installments, the store usually covers the cost.
5. How does the return process work for installment purchases?
Przelewy24 handles returns automatically — both within the store’s system and the banking system.
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E-commerce installments: quick summary
Installment sales are one of the most effective ways to increase order value and conversion in your online store. With Przelewy24 Installments, you can easily implement flexible shopping financing, offering convenience for customers and financial stability for your business.
- 0% Installments – great for promotions
- Interest-bearing installments – help maintain profit margins
- API integration – full control over the process
- Sales conversion – up to 45% higher average basket value
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Sources
- Przelewy24 – https://www.przelewy24.pl/metody-platnosci/przelewy24-raty
- E-commerce in Poland 2024 Report – Gemius/PBI
- Internal Przelewy24 data – case study: depilacja.pl
