• Online Stores · OpenCart 4.x - default

Installment store: payment on the card, not a surprise at the checkout

Connecting the installment plan in the online store is not a single button at the last step, but the payment calculation where the person is still looking at the price. We are doing both parts: integration with installment payment programs and the line "from UAH N per month" in the product card and in the category list. Plus the display rules by the amount of the position, the return path to the basket after the bank has refused, and separate analytics events for each program. How much - After the free checkout audit, it takes 2-4 business days.

See how it works
Price
after a free audit
Guarantee
30 days after project sign-off
Connection period
10–25 working days from availability of contracts with banks
after a free audit
Price
30
Guarantee

days after project sign-off

10–25
Connection period

working days from availability of contracts with banks

after free audit checkout, 2-4 working days
Cost
product card, category list, shopping cart, checkout
Where we show the payment
10
Measured tool shop

payment methods, including installments from two banks

online installment with own dataLayer event
Measured equipment store
50%
Conditions

advance payment, two rounds of design revisions, 30-day warranty period

Free audit of checkout and installment programs

Installments bring orders only when the buyer sees the payment before deciding that it is expensive. The audit looks at where in your store you can display it and what is preventing you from doing it now.

What we measure

  • Current set of payment methodsWhat is already connected and how visible. For reference: in the tool shop we measured, there are ten calculation methods in the checkout, including part programs from two banks, and this is significantly more than the sample average.
  • Where the payment is shownIs the amount of the monthly payment visible on the card and in the category list, or only in the last step. This is the main difference between working installments and formal installments.
  • Suitability of the assortmentWhat proportion of items fall into the range of amounts with which the program works. Small items do not go into installments, and it makes no sense to show them there.
  • Program restrictionsMinimum and maximum amount, number of payments, prohibited categories. These rules should be embedded in the logic of the display, and not explained to the buyer after refusal.
  • Commission and pricingHow much does the program cost you and is it included in the price. Installment "without overpayment for the buyer" does not cancel the overpayment - it is paid by the seller.
  • Payment analyticsAre the payment methods different in the reports? For reference: in the equipment store we measured, online installments are tracked as a separate event — the only way to see how much it actually brings.

What you get

  • Checkout document: available payment methods, places where payment calculation is missing.
  • Distribution of the catalog by amounts and share of items suitable for each program.
  • Evaluation of works for each program separately, so that you can start with one.
  • Conversation for 30–40 minutes on the document.

Timeline: 2-4 working days

Why is it free

Because the decision here is made not based on a list of possibilities, but based on numbers: how many of your items are sold in total and how much is the commission on your margin. This is calculated in a few days.

What's next

After the audit — the amount and term by stages with dates, contract, invoice, report.

Short form: your contact and site URL

  • Contract, act and 30-day warranty

    Every project gets a written contract: scope, deadlines, amount, acceptance procedure. After delivery — act and invoice, then 30 calendar days of warranty.

  • Sole proprietor & bank transfer

    The contractor is a registered sole proprietor. Payment by invoice with closing documents.

  • Rights & access — yours

    Code, design and materials transfer to you after full payment. Domain, hosting, repository and analytics are registered to you.

  • Client portal instead of email chains

    During the project you get access to a portal: contracts, invoices, acts and project status in one place.

  • European clients

    Among our work — projects for Norway, Bulgaria, Moldova and Spain.

  • Verifiable numbers

    Every case in the portfolio comes with a link to a live site and a technical measurement.

  • Audit first, then pricing

    There is no price list on the site intentionally: the scope of the same work differs multiples between clients.

  • We say "no" when unsure

    If the task isn't ours or the deadline is unrealistic — we tell you upfront.

What affects the price

Why two seemingly identical tasks are priced differently

  • Number of programsOne program — one set of rules, one bank response format, one analytics event. The second one from another bank is not copied: it has its own terms, its own minimum amount and its own list of excluded categories. Therefore, the second bank adds almost a full cycle of work, not ten percent.
  • Display depthThe checkout button is the cheapest option and the least effective. Calculating the payment in the card is already working with the card template. The same line in the category list means that we calculate the amount for each position on the page and do not break the return time of the catalog.
  • Complexity of display rules"To show from such an amount" is one condition. "Do not show on promotional and made-to-order products" is a mark on the product and a check at every point where payment is calculated. Every exception is cheaper to mortgage now than to explain to the buyer after the bank has refused.
  • Status of the catalog and pricesThe price in one field that the import updates is read directly. If discounts, prices for customer groups and promotions with dates are applied to the position, we first agree on the amount from which the payment is calculated.
  • Shop themeOn a standard theme, the payment line appears next to the price block. On a heavily processed one, where the card and category are created separately from the core, we make the same change twice.
  • Analytics and reconciliationThe minimum is a separate event per program. Then a reconciliation with the bank's office: how many applications were submitted, how many were approved, how many ended with an order. This is a monthly report and is posted separately.
Who it's for

Situations where this service delivers results

Scenario 1 of 4

A product with a noticeable check, and buyers disappear precisely at the price

Furniture, machinery, equipment, equipment. A person wants a product, but is not ready to pay the entire amount this month - and goes to "think". Installment does not change the price and does not add customers to you: it works only with those who already want, but rests on a one-time outflow of money. That is why its place is next to the price, and not behind the three steps of registration.

We'll review your situation in a free audit
What's included

Complete list of work and what you get as a result

  • Connection of installment payment programs from the site, with bank response processing — the order receives the correct status without manual reconciliation by the manager
  • Calculation of the monthly payment in the product card: the buyer sees "from N UAH per month" at the same time as the price, and not instead of it
  • Showing the payment in the category list - the line works even before opening the card, where a person sifts through items by price
  • Calculator in the card: the buyer chooses the number of payments himself and sees the amount of each without going to the checkout
  • Display rules by amount: the program appears only on items that fall into its range
  • Processing of prohibited categories and exceptions - the buyer does not submit an application where the bank will not deliberately approve it
  • Terms of the program in human language: how many payments, whether there is an overpayment, what is required for registration - without referring to "details on the bank's website"
  • Separate payment methods in checkout with visible program names instead of one "other" button
  • Bank rejection scenario: the buyer returns to the checkout with a saved cart and chooses another method instead of the error page
  • Analytics: own event for each program so that its contribution to revenue is calculated separately from the rest of payments
  • Verification of real orders and real amounts for each program before launch
  • Terms of work: 50% advance payment, two rounds of edits at the design stage, warranty period of 30 calendar days
When this service isn't right

What's not included — so there are no surprises at delivery

  • Conclusion of contracts with banks and their verification - the program is drawn up for your company
  • Program commissions and bank rates
  • Scoring solutions for a specific buyer
  • Post-launch advertising
  • Hosting, domain, acquiring
Process steps

Transparent stages with approval at every step

Total duration:10–25 days

  1. Analysis of programs and rules

    2-3 working days

    We extract from the conditions of each bank what affects the code: the range of amounts, the number of payments, excluded categories, the format of the response to the application. Here we fix the price from which the payment is calculated, if there are discounts and promotions in the store.

  2. Display logic and calculator in the card

    2-6 working days

    The line "from UAH N per month" in the card, the choice of the number of payments, the terms of the program are nearby. We immediately set a rule: if the position does not pass the amount or is in an excluded category, the block is not shown at all.

  3. Bank response integration and processing

    3-7 working days

    The method of calculation in the checkout, transfer of the order to the program, acceptance of the status of the application with verification on the server side. We describe the way of refusal separately: the basket is saved, the buyer returns to the payment selection.

  4. Category and cart

    2-5 working days

    The same calculation in the category list and in the cart - with a cache, so that the catalog page does not start thinking longer due to dozens of calculations on one screen.

  5. Analytics, verification on real amounts, transfer

    1-4 working days

    Events for each program separately, running orders for live amounts on both sides of the range, reconciliation with the bank's office, brief instructions to the manager.

Did not find your case?

Describe how it works on your side — we will tell you whether “Online store with installments and payment in parts” fits and what it means in your situation. No brief and no call: one question, one answer.

Cases

Tasks and results in numbers — all metrics measured by us

online store of tactical equipment with a catalog of more than 50,000 items

Task
Keep an extremely large assortment of equipment with detailed filtering by characteristics, without losing page speed, and close common payment methods - including online installments.
Solution
OpenCart 3 by proxy, two language versions, full local store markup. Checkout: online card, cash on delivery, cash on delivery, cashless settlement and online installments with a separate dataLayer event. Telephony, email service, login via Google account, Tag Manager, GA4 and Google Ads are connected.
Result
54,302 products and 635 categories — a figure confirmed by two independent methods with a difference of 0.4%. First server response 413.8ms, full load 511.1ms with 421.5KB HTML. Nine types of structured data on the main. Five payment methods, among them online installments, which is tracked by its own event "Online installments". Warning: hreflang language tags are declared incorrectly - this is a defect we found, not a work result. Measured on 07/31/2026.

online store of professional tools, catalog of over 6,000 items

Task
To sell a professional tool to a retail craftsman and a VAT company at the same time: the checkout was supposed to close the payment methods common in Ukraine, including installment payment programs.
Solution
OpenCart with two language versions. Ten payment methods: online card, bank payment services, two payment programs in installments from different banks, cashless with VAT and without VAT, terminal in the store, cash in advance. Four delivery methods, including pickup.
Result
6,486 unique product pages and 361 categories in the site map. 10 payment methods and 4 delivery methods at checkout — including installment payments from two banks. First server response 671.2 ms at 407.8 KB of HTML. A critical defect was found: the bare domain returned a 301 to an insecure protocol with a valid certificate - a broken redirect from the root. Measured on 07/31/2026.
Technologies & integrations

What we build on and what it connects to

Stack

  • OpenCart 4.x - default: payment calculation is embedded by event, without core modification
  • OpenCart 3.x — when the program module for 4.x is not yet available; limitations: edits go through ocmod and conflict with other modules on the card
  • PHP and MySQL - the payment is calculated on the server, otherwise the numbers differ from what the bank sees
  • API of payment programs — limitations: each bank has its own application format and its own set of states
  • server check of the status of the application - a response from the buyer's browser is not considered confirmation
  • the calculation cache for the category list - otherwise a page with forty products calculates the payment forty times
  • dataLayer and payment events — limitations: the behavior on the site is visible, not the bank's decision
  • the bank's test environment is a limitation: some programs do not have it

Integrations

  • monobank "Purchase in installments"
  • "Payment in installments" of PrivatBank
  • LiqPay
  • WayForPay
  • Visa/Mastercard
  • non-cash settlement
  • postpaid
  • Nova Poshta
  • Google Tag Manager
  • GA4
  • Google Ads
  • Meta Pixel
Installments built into the catalog versus a button in the checkout

How this option differs from the alternative

Where the buyer learns about the paymentin the card and in the category list, next to the price
Who will even see the programeveryone who views the catalog
Items outside the range of sumsthe block is not displayed - there will be no application doomed to rejection
Scope of workcard, category, cart, checkout and cash settlement
Loading the directorycache is needed, otherwise the category page is harder
What can be seen in the analyticsevent for each app and the point where the customer opened it
What we need from you

We can't start without this — best to prepare in advance

  1. Agreements or applications for programs with banks on your part.
  2. Test access to program offices.
  3. The decision whether to include a commission in the price and for which categories.
  4. A list of items or categories where installments do not need to be shown.
  5. Access to the site, hosting and admin.
  6. One person with the right to make decisions on prices and conditions.

If something is missing — let us know, we'll help you gather it or do it as a separate task.

FAQ

Most frequently asked questions — with concrete answers

Where to show the payment amount?

In the product card and in the category list, next to the price. The line "from N UAH per month" works exactly where a person evaluates whether it is expensive. If the program appears only at the last step of the checkout, it has almost no effect on the decision: the buyer who was stopped by the price in the catalog did not reach the checkout.

How many programs to connect?

It is smarter to start with one: measure the share of orders, compare it with the commission, and only then add the second. In the professional tool store we measured, there are ten payment methods in the checkout, among them two programs in parts from different banks - but this is a store that serves both the master with the card and the VAT company. Mechanically copying such a set without such an audience makes no sense: ten logos in the footer alone do not sell.

Who pays for installments?

The seller is the commission of the program. The wording "no overpayment for the buyer" means exactly this: the overpayment is borne by the store. On a low-margin position, the commission is able to eat the profit from the order completely, so we show the arithmetic on the audit to the first line of the code. The decision whether to include the commission in the price remains yours.

What to do if the bank refused the buyer?

Return it to the checkout with a saved basket and show other payment methods. The worst case scenario is an error page and an order that has disappeared. Technically, this is the processing of the bank's response and the correct return path: it adds work, but it saves part of the orders that otherwise go nowhere.

Is it possible to show installments not on all products?

Yes, and it is necessary. The programs have a minimum and maximum amount, and certain categories of banks are excluded. The display logic takes these rules into account: the position does not pass - the block simply does not exist. Otherwise, the buyer submits an application and gets rejected, which is worse than if there was no program at all.

Won't installments slow down the category page?

Slow down if you calculate the payment for each item on the fly: on a page with forty products, that's forty identical calculations plus a display rule check. Therefore, the calculation is cached together with the price and is rebuilt when the price is updated. We measure the speed of the catalog before and after: in the equipment store we measured, the first server response is 413.8 ms with 54,302 products, and it is not worth spoiling such an indicator for the sake of a payment line.

How to understand whether it justifies itself?

Own event for each program. In the equipment store we measured, the online installment is tracked by the "Online installment" event - only thanks to this, its contribution is visible separately from the rest of the payments. One fair limit: the event shows the behavior on the site, not the bank's decision. How many applications are actually approved can be seen only in the program office, and these two sources compare hands.

And does it work for wholesale customers?

No. The programs are partially designed for an individual: the application goes to a person, scoring too. The company buys by invoice, and it needs another tool - cashless payment with VAT right at the checkout. If you have both segments, these are two different branches of registration, and they are simply not shown in the wholesale installment plan.

How long does the connection take?

10-25 working days from the moment you have contracts with banks and test access. Transferring the order to the program itself is short; time is spent on calculating the payment in the card and category, display rules and checking on real amounts on both sides of the range. It is impossible to start work without your contract with the bank — this is the first step, and it is done for your company.

Send a link to the store and a list of programs that interest you.

In response, there is a breakdown of the checkout, the share of the catalog that passes by the amount of each program, and an assessment of the works by stages. If your checks do not meet the minimum amount, we will say so in the first email.

From measured cases54,302 products and 635 categories

View cases
  • Reply within 2 hours
  • No commitment
  • We work under a contract

There is no price list on the site on purpose: the same work differs several times over between two clients, and a “from” figure explains nothing in that case. First a free audit — we count your pages, duplicates and speed — then we name the sum and the deadline and fix both in the contract.