> For the complete documentation index, see [llms.txt](https://help.alternativepayments.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.alternativepayments.io/payments-and-invoicing/bnpl-pay-in-installments/pay-in-installments-overview.md).
# Pay in Installments Overview
**Get the flexibility to make invoice payments over time with our Pay in Installments feature.**
***
Alternative Payments offers flexible financing (30 – 150 days) at checkout to allow you to break up your invoice into monthly installments over your desired term. Once you select your preferred duration and connect a bank account, we will complete a very brief underwriting process before approving the request.
{% hint style="warning" %}
**Availability:** Pay in Installments is currently available to **U.S.-based businesses only**.
{% endhint %}
***
**Here are the top reasons our customers are using flexible financing:**
1. Manage cash flow
2. Pay over time
3. Gain payment flexibility
4. Align capital spend with ROI
5. Avoid credit card interest or business loans
To learn more about our Pay in Installments payment option, visit [alternativepayments.io/financing](https://www.alternativepayments.io/financing/).
***
**To toggle the Pay in Installments option on or off for all customers, follow these steps:**
1. Login to the [Partner Dashboard](https://app.alternativepayments.io/)
2. Navigate to Team preferences > [Preferences](https://app.alternativepayments.io/dashboard/team/preferences) and select the [Payments](https://app.alternativepayments.io/dashboard/team/preferences?pageTab=payments) tab
3. Toggle the "Pay in Installments" option under the Payment methods section
**Love our platform?** Rate us on [Channel Program](https://channelprogram.com/v/alternativepayments) and check out our [Referral Program page](https://www.alternativepayments.io/referral-partners/)!
---
# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.
## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation by asking a question.
Perform an HTTP GET request on the following URL with the `ask` and `goal` query parameters:
```
GET https://help.alternativepayments.io/payments-and-invoicing/bnpl-pay-in-installments/pay-in-installments-overview.md?ask=&goal=
```
`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is what the user is ultimately trying to achieve, the reason they need the answer. Sharing it helps GitBook give you a better, more relevant answer. A goal is most helpful when it describes the outcome the user wants rather than restating the question. For example, with `ask=how do I create an API token`, a goal like `automate deployments from our CI pipeline` lets GitBook tailor the answer to that use case.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.
Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.
