> ## Documentation Index
> Fetch the complete documentation index at: https://docs.simplepay.mx/llms.txt
> Use this file to discover all available pages before exploring further.

# Configure card installments

> Offer card terms and define who absorbs the financing cost.

Installments require `card`, allowed terms, and one pricing strategy. The buyer selects a term during payment.

## Offer terms

```json theme={"theme":{"light":"github-light","dark":"github-dark"}}
{
  "payment_method_types": ["card"],
  "installment_options": [{ "months": 3 }, { "months": 6 }, { "months": 12 }],
  "installment_pricing": {
    "fee_allocation": "absorb"
  }
}
```

Supported terms are `3`, `6`, `9`, `12`, `18`, and `24` months. Policy may reduce them by amount and capability.

| Value           | Behavior                                          |
| --------------- | ------------------------------------------------- |
| `absorb`        | The merchant absorbs the cost and sends no markup |
| `pass_to_buyer` | The buyer absorbs cost allowed by policy          |

Do not send the selected term during resource creation. The buyer selects it during quote and payment.