Over the past decade, the market for installment payments has seen significant growth, quintupling across Europe between 2019 and 2023 to reach $316 billion, according to Worldpay’s Global Payments Report. This white paper explores the evolving landscape, driven by changing consumer needs, regulatory shifts, and technological advancements.

In this paper, learn:

  • The differences between deferred payments, split payments, and payments in 5 installments or more
  • In-depth analysis of the regulatory framework
  • Strategic opportunities for both merchants and e-merchants
  • Sector-specific insights and trends

45%


of French consumers used installment payments for purchases over 1,000 euros in 2023.

The installment payment market is undergoing rapid changes, with evolving usage patterns. Stricter regulatory measures and shifting consumer expectations are driving the market toward longer payment terms and higher amounts than in the past.

Pierre Marin CampenonManaging Director Partnership EU at Younited

40%

of customers plan to use installment payments to manage inflation.

Installments’ impact on customer and merchant loyalty

  • 1

    Payment flexibility for crisis management

    Split payments are increasingly used not just for their no-cost feature, but also for their ability to extend payment periods.

  • 2

    Boosting customer loyalty and sales

    Flexible payment options boost customer loyalty and increase average transaction values by making larger purchases more manageable over time.

  • 3

    Evolving consumer expectations

    Consumers now seek flexible payment solutions that go beyond just being free, including benefits like discounts on new products.

Flexible payments drive customer loyalty

80%

of customers say that flexible payment options will encourage them to return to the merchant.

This white paper draws on a study conducted by Younited and MixFactory in March 2023, based on a sample of 2,000 French and Spanish consumers who used installment payment options over the past six months. Unless otherwise noted, the data referenced in this White Paper relates to purchases made both in-store and online by individual consumers, focusing exclusively on the French market.

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