Cross-Border Payments
April 24, 2025
At Skipify, our vision is simple: provide shoppers the ultimate choice and flexibility at checkout. Whether paying with a credit or debit card, splitting payments across cards, or using alternative financing options, we believe in empowering consumers at the moment of purchase with every payment method possible. Powered by Skipify’s Commerce Identity Cloud, merchants can now offer a wide range of payment options seamlessly — without any upheavals to their existing checkout experience.
Mastercard has selected Skipify to expand its US instalments program, providing more payment flexibility directly at checkout. Eligible cardholders and Mastercard users can access instalment options for any eligible credit card, making purchases easier and more flexible than ever.
Skipify leverages digital identity to recognize shoppers at checkout instantly. It automatically displays all their associated cards and any eligible instalment payment options — no manual entry, no logins, and no hassle required. Eligible shoppers can pay in full with their preferred card or split the purchase into an instalment plan. Skipify will work behind the scenes with Mastercard to ensure the entire process is fast and secure, positively impacting authorization and conversion rates. This seamless experience translates to larger purchase values and higher conversion rates for merchants without adding friction to the checkout user experience.
Installment payments are available to Skipify merchants at no additional cost, offering significant savings compared to traditional BNPL solutions, which typically charge service fees ranging from 2% to 8%.
As consumers increasingly turn to buy-now-pay-later (BNPL) options to fund their purchases and manage spending, offering financing options has become crucial for merchants to acquire customers and build brand loyalty.
Integrating BNPL services, however, often presents significant challenges. Merchants face expensive, complex setups, juggling multiple provider contracts and navigating inconsistent operational procedures. These obstacles create a disjointed user experience and add friction to the purchase process—especially when consumers are already frustrated with complicated checkout pages, redirects, and too many payment buttons.
In contrast, card-linked instalments have gained significant traction, with 33% of consumers now choosing credit card-linked instalments for big-ticket purchases—more than any other pay-later option.1 As always, consumer trust plays a major role in adoption. 63% of consumers say they are more likely to adopt BNPL if their trusted banking partner offers them.2 Yet, many of these options are only available post-purchase, allowing consumers to repay their credit card purchases in instalments after the fact until now.
Skipify and Mastercard empower shoppers with a new level of confidence and freedom at checkout. Instant access to instalment options allows consumers to manage their budgets effortlessly, removing barriers and making shopping easier, more intuitive, and free from financial constraints.
Jeff Smith, SVP of strategic partnerships at Skipify, says, “At Skipify, we’re committed to making checkout experiences more flexible, intuitive, and shopper-friendly. Our collaboration with Mastercard allows us to integrate instalment options seamlessly into the shopping journey, eliminating barriers and enhancing convenience. We are excited to help Mastercard deliver this product at scale across our many merchants, bringing even more choice to shoppers while enabling customers to offer flexibility more simply and cost-effectively than ever. Together, we’re empowering consumers and driving greater value for businesses.”
The Payments Association
St Clement’s House
27 Clements Lane
London EC4N 7AE
© Copyright 2024 The Payments Association. All Rights Reserved. The Payments Association is the trading name of Emerging Payments Ventures Limited.
Emerging Ventures Limited t/a The Payments Association; Registered in England and Wales, Company Number 06672728; VAT no. 938829859; Registered office address St. Clement’s House, 27 Clements Lane, London, England, EC4N 7AE.
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