Offer financing
online with

InstantCredit is an instant, 100% digital solution from Sabadell Consumer that allows customers to pay in easy instalments through a safe, trustworthy platform. Financing an online purchase has never been this easy.

Girl financing online purchase on her phone

What is InstantCredit from Sabadell Consumer?

InstantCredit is the Sabadell Consumer solution for payment in instalments that allows you to offer instant, 100% digital payment in easy instalments. Sabadell Consumer Finance is a Banco Sabadell company that specialises in consumer financing. With this technology platform, you can offer your customers the flexibility, security and ease of paying for their purchases in instalments. With InstantCredit, the financing process takes just seconds because customers aren’t required to provide loads of information.

Advantages of accepting InstantCredit

  • Usability

  • This BNPL system is instant and 100% digital, adapting to the demands of the ecommerce sector. The immediate process without paperwork allows customers to finance their purchase in just seconds.

  • Security

  • Guaranteed, immediate payment into the vendor’s account, plus transparent access to credit, make this payment method an extremely safe solution.

  • Higher conversion and average ticket

  • Your customers can calculate how many instalments they want to spread their purchase out over, with the instalment simulator integrated into your shop. Remember, paying in instalments makes customers less price sensitive, so when communicated properly, BNPL will boost your sales and return customers.

People using InstantCredit for online payments
Tarifa InstantCredit


Accept InstantCredit in your ecommerce, with all the services of the PAYCOMET platform

€0.09 + InstantCredit financing conditions

Available for vendors with annual turnover of at least €300,000, after being approved by Sabadell Consumer.
Example of InstantCredit payment in instalments

How does InstantCredit work?

Icono uno

Pay with InstantCredit

The customer chooses the Sabadell Consumer payment option from the payment methods available.

Icono dos

Choose instalments

Then, the customer selects how many instalments they want to break their payment into and provides some basic personal details to validate the financing process.

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Transaction approval

In seconds, the system tells the customer whether they have been approved. If they are approved, the customer must sign the online financing contract and the purchase will be completed successfully.

Is InstantCredit a safe payment method?

secure payment with InstantCredit

All payment methods
in one platform

PAYCOMET and InstantCredit on your ecommerce platform

If you use an ecommerce CMS, you can integrate the PAYCOMET Virtual POS in just a few clicks and start offering InstantCredit. Download the module, request a trial account and find out how easy it is to start selling with PAYCOMET.

Payment methods in CMS plugins for ecommerce
Payment methods in CMS plugins for ecommerce

InstantCredit compatible solutions

Icono TPV Virtual
Virtual POS
Icono PAY by Link
PAY by Link
Icono Pay by QR
Pay by QR

Frequently asked questions about InstantCredit

  • Can you offer interest-free payment in instalments?

  • Yes, to boost sales conversion, vendors can choose when to partially or totally subsidise customers’ APR, either permanently or for specific campaigns or seasons.

  • How much can customers finance?

  • Vendors with annual turnover of €300,000 or more can integrate InstantCredit, after being approved. Once the service is activated, you can allow customers to finance purchases between €200 and €4,000 to pay back in 3, 6, 9, 12, 18 or 24 monthly instalments.

  • How can I integrate InstantCredit into my website?

  • As a PAYCOMET client, you can activate this payment method in your dashboard. With one simple process, the Sabadell Consumer payment button will be added to your payment form. Check out the technical documents and steps for integration here.

  • What does the customer have to provide to get approved?

  • During the purchase process, the customer is asked for ID. For purchases under €2,500, we ask for credit or debit card details. For purchases over €2,500, they have to provide credentials for their online banking to use the account information service.

Want to accept payment with InstantCredit?

Contact us or create a free account and start today.

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