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*** Please note: This contribution is no longer recommended because of PCI requirements that credit card companies have imposed. It is provided for historical reference only.
installment plan

Zen Cart Installment Plan

A Zen Cart™ mod which allows you to securely capture credit card information for so that you may manually bill a credit card in a series of charges.

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Relevance: Zen Cart™ 1.3.0 - 1.3.8. Note that this module is no longer recommended

Current Version: 1.3 (version history)

Support Thread: Installment Plan Support Thread (closed)

Cost: Free, but donation appreciated

Location: Zen Cart Plugins, under Payment Modules.

Download: Installment Plan in Zen Cart Plugins

FAQ: click here


If your merchant account allows you to manually run credit cards, this payment module allows you to offer installment payments to your customers. The number of payments (3, 6, 12, etc.) can be set globally in the admin screen. A "details" link is provided for you to provide an explanation of how this works to your clients.

You must manually run the credit card; this modules does not automate the process. It simply allows you to offer financing. (In particular, this module does not do PayPal recurring billing and does not do automated credit card recurring billing. It simply passes back the user's credit card information in a secure manner for you to process manually in installments.)

This module is designed to replace the insecure "layaway" payment module which transmits credit card information in clear text.

Payment Page

Checkout page for installment plan payment module


This module is based on the Credit Card module and requires the basic same configuration. Firstly, Admin > Configuration > Credit Cards must be set up. Then, in Admin > Modules > Payment > Installment Plan, you must set the Split Credit Card Email Address. The default Order Status is Pending; if you want the order to go into a different status, you must change it here.

Config for installment plan payment module

You must have an SSL certificate and have ENABLE_SSL set to true in your configure.php file to use this module.

Major Versions

  • 1.3 01/23/2011 Added minimum order amount.
  • 1.2 05/03/2010 Installation instruction changes
  • 1.1 05/22/2007 Made interoperable with original cc module
  • 1.0 05/14/2007 Original version


Q: Can I run this module without SSL?
A: No. The whole point of this module is to pass back payment details securely.

Q: Does this module do recurring billing with PayPal?
A: No. This module does not do PayPal recurring billing.

Q: Does this module do automate recurring credit card billing?
A: No. This module does not automate recurring billing. It simply passes back the user's credit card information in a secure manner for you to run manually.