LHV Instalment Payment (also known as LHV Partial Payment) lets your customers split their purchase into smaller payments—without any additional fees. It enables consumers to buy now and pay later in two or three equal instalments over up to three months. As a merchant, you receive the full payment upfront, making this a convenient and risk-free payment option for your business.
How It Works for Merchants
LHV Instalment Payment is part of our Buy Now, Pay Later (BNPL) offering. Once it's activated in your account, it will automatically appear as an option for eligible transactions.
Benefits:
No added cost for customers – instalments are interest-free.
Instant full settlement – merchants receive the full amount immediately.
Improved conversion – customers are more likely to complete higher-value purchases.
How to Get Started
Register for the LHV Instalment Payment service through the onboarding process.
We will help you set up the BNPL payment method in your account.
You’ll receive a notification once the setup is complete and LHV Instalment Payment is ready to use.
Using LHV Instalment Payment
You can offer LHV Instalment Payment through both LinkPay and API-based payment flows.
If you're using the API:
Send the payment details using the
/oneoffrequest.If the transaction amount qualifies, BNPL will be included in the available payment methods.
If you manage payment methods dynamically:
Use the
/processing_accounts/{account_name}endpoint to fetch available payment methods.Add the optional
amountparameter to see which payment options (with logo URLs) are available for a given amount.This helps ensure that only applicable methods appear based on the configuration set in the merchant portal.
Tip: Make sure your merchant portal configuration is up to date to reflect the correct limits and display options for BNPL payments.