Kielder Computers Ltd - ThrivePay Instalments Terms

What is ThrivePay?

ThrivePay Instalments makes high-value purchases more accessible by allowing you to split your payment into 3, 6, or 12 interest-free monthly instalments using your existing credit card—no credit check required. This ThrivePay Instalments customer guide will help to clarify the eligibility requirements of you, the shopper, and how to understand and manage your payment plan.

Unlike traditional Buy Now, Pay Later services that create new lines of credit, ThrivePay Instalments uses your credit card’s available credit, giving you complete control and flexibility. You gain immediate access to your purchase the moment your payment is authorized, while instalments are automatically charged to your card each month.

With transparent pricing, no hidden fees, and the security of working directly with your existing credit card, ThrivePay Instalments transforms how you shop without the financial stress of a single large payment.

Eligibility Requirements

To use ThrivePay Instalments to place an instalment purchase, you must meet the following requirements:

Geographic Eligibility:

Billing Country: Your billing address must be in the United States, United Kingdom, Canada, or Australia
Card Issuing Country: Your credit card must also be issued from one of these four supported countries
Product Currency Match: The product you’re purchasing must match your local currency. If you’re seeing an incorrect currency, reach out to the vendor for the correct checkout link.

Credit Card Requirements:

Available Credit: Your credit card must have the full purchase amount available in credit at the time of authorization
Card Type: Major credit cards are supported (Visa, MasterCard, American Express, Discover)
Valid Through Plan Duration: Your card must remain valid throughout the entire installment period

Important: The full purchase amount is authorized (placed on hold) on your card immediately, but you’re only charged monthly for each instalment. This authorization ensures you have sufficient available credit to complete all payments.

How to Choose ThrivePay Instalments at Checkout

Step 1: Review Payment Options at Checkout

On the checkout page, you’ll see ThrivePay Instalments displayed as a payment option alongside standard payment methods. If you don’t see this option, verify:

Your billing address is in the US, UK, Canada, or Australia
You’re purchasing an eligible ThriveCart product
You haven’t selected a PayPal payment option (ThrivePay Installments requires credit card)

Step 2: Choose Your Installment Plan

When you select ThrivePay Instalments, you’ll be presented with instalment plan options:

3 Months: Pay your total in 3 equal monthly payments
6 Months: Pay your total in 6 equal monthly payments
12 Months: Pay your total in 12 equal monthly payments

The checkout page will display your exact monthly payment amount for each option (e.g., “Pay $82.50/month for 6 months”).

Step 3: Complete Customer & Billing Information

Important: All fields must be completed before you can proceed with ThrivePay Instalments. The system will display a validation message if any required information is missing.

Step 4: Enter Payment Details

After selecting your instalment plan and clicking the Complete Order or Pay with ThrivePay Instalments button, you’ll be redirected to the ThrivePay Instalments secure hosted payment modal where you’ll enter:

Credit card number
Expiration date
CVV/security code
Cardholder name (if different from customer name)
Billing address and zip code

Confirm that your billing address matches exactly what your bank has on file—mismatches can cause authorization failures.

Step 6: Purchase any additional upsells or downsells in the funnel. These will be added to your existing payment plan, increasing your monthly instalments.

Step 7: Complete Authorization

Once the order completes successfully:

Your credit card will be authorized for the full purchase amount
The first instalment charge will be posted to your credit card
You’ll receive an immediate order confirmation email, as well as a payment plan confirmation email
You’ll gain instant access to your purchased product – either via the URL on the success page, or via the order confirmation email

Understanding the Authorization Process

Why am I seeing two transactions after creating my installment plan?

Immediately after checkout, you will see two transactions on your credit card:

1. First Instalment Payment

This is a charge for your first instalment.
It recurs automatically based on the agreed upon schedule (monthly).
Cannot be changed: The date or amount of this payment is fixed.

2. Authorization Hold

This is not a charge and will not appear on your credit card bill.
It guarantees your purchase to the Merchant and temporarily holds funds on your card.

Key Details About the Authorization:

The hold reduces your available credit until released. In most cases, the hold drops after a few business days, but some banks may hold funds for up to 30 days (or even the full length of your plan). ThrivePay Instalments does not control how long a bank keeps the hold.
For some plans, the authorization may need to be re-authorized periodically, but we will inform you ahead of time if this is required. The re-authorization amount always reflects the current remaining balance of your plan, which decreases as you make payments.
The authorization is a required part of paying in instalments, as it protects your purchase and allows ThrivePay Instalments to charge future instalments automatically.

What You’ll See on Your Statement:

First Month: Full amount minus first instalment pending (authorization hold) + First instalment charged
Second Month: Depending on your bank, you may still see this authorization. Most only see the Second installment charged
Each Subsequent Month: The installment amount is charged and posted to your credit card statement.

Example: $600 Purchase in 6 Payments

Day 1: $500 authorization hold placed, $100 charged (1st installment)
Day 30: $100 charged (2nd installment)
Day 60: $100 charged (3rd installment)
Final Payment: Last $100 charged

Important: You will only be charged the monthly instalment amount on your credit card statement, never the full authorized amount.

Understanding Your Payment Schedule

Payments are processed on the same day each month as the date your plan started. For example, if you purchased on March 15, your next payment will be charged on April 15, then May 15, and so on.

If you purchased on the last day of a month (the 30th or 31st), future payments will always be charged on the last day of each month. For example, a purchase made on January 31 would be charged again on February 28 (or February 29 in a leap year).

Automatic Billing Process

ThrivePay Instalments operates on a fully automated billing system:

How It Works:

First Payment: Charged immediately at checkout
Subsequent Payments: Automatically charged on the same day of each subsequent month
No Action Required: Your card is charged automatically—no need to log in or manually action payments
Email Confirmations: You’ll receive an email confirmation after each successful installment payment

What Happens If a Payment Fails

Payment failures can occur for various reasons including expired cards, insufficient funds, or bank declines. Here’s what happens and how to resolve it:

First Failed Payment:

Notification: You’ll receive an email notification within 24 hours
Action Required: Update your payment method in the Customer Portal
Retry Schedule: The system will automatically retry charging your card
Timeline: You typically have several days to update your payment information

Second Failed Payment:

Notification: Urgent email sent requesting immediate action
Account Access: Still active, but at risk of suspension
Warning: Account will be suspended if third payment also fails
Action Required: Update payment method immediately to avoid suspension

Third Consecutive Failed Payment:

Notification: Final notice email sent
Outstanding Balance: All missed payments must be paid
Resolution: Update payment method in Customer Portal

How to Prevent Payment Failures:

Monitor Card Expiration: Update your card before it expires
Maintain Sufficient Credit: Ensure your card has available credit for monthly instalments
Keep Contact Info Current: Make sure you receive email notifications about payment issues
Check Email Regularly: Watch for payment reminders and failure notifications
Update Changes Proactively: If you get a new card, update it in the Customer Portal before your next payment date

Accessing the Shopper Portal

The ThrivePay Instalments Shopper Portal is available for you to manage and review your payment plans, as well as where you can update the credit card information on file for your plan.

Viewing Your Installment Plan

Within the portal, you will be able to:

Complete payment plan early (see Early Payoff section below)
Update billing/shipping information
Update credit card on file
View payment history and upcoming installments
Download payment receipts

How to Log in

Access the Shopper Portal here, and click “Consumer Portal” in the top right.
To login, you have three options:
1. Request a secure link by clicking on the ‘Login with Magic Link’ button. A single use link will be emailed to you straight away. Each magic link lasts for 15 minutes and can be used only once so you will need to generate a new one each time you log in.
2. Login with Google (as long as your Gmail email address was the one you used when you made your purchase on the Merchant website).
3. Login with Apple (as long as your email address you used when you made your purchase on the Merchant website is connected with your Apple account).
Once logged in, click on your active Installments plan to review it.

Update Credit Card

In order to update your billing details, you’ll see an option to do so when viewing your active instalments plan.

Before updating your card for instalment payments, know that once billing information is updated, a new authorization will be placed on the new card for the remaining payoff amount. Future instalments will automatically charge to your updated card.

Select “Update Card” from the options menu
Enter your new or corrected payment information
Ensure billing address matches your bank’s records exactly
Confirm the update
The system will immediately attempt to process any previously failed payments

Need Help? If you’re unable to update your payment method or continue experiencing failures after updating, you can reach out to thrivepaysupport@splitit.com for guidance.

Early Payoff

If you want to pay off your remaining balance early:

Head to The Customer Portal here > Click “Consumer Portal” in the top right to login
Select your active ThrivePay Installments plan
Click the option to pay off remaining balance
Confirm the total amount and complete the transaction

Important: Early payoff processes the full remaining balance immediately. Once completed, this action cannot be reversed. Any remaining authorization holds on your card will be released within a few business days.

Frequently Asked Questions (FAQs)

Q: Why am I seeing an error in checkout that says my chosen payment method doesn’t support installment payments?
- A: Pricing options will be shown in checkout for ThrivePay Instalments amounts, but these options are only available when paying with ThrivePay Instalments. If you’re seeing this error and want to pay in full via PayPal (or using PayPal payment options), then you will need to select the one-time price option.
Q: Do I need to apply or undergo a credit check to use ThrivePay Instalments?
- A: No! There’s no credit check or application process required, meaning that this payment method does not affect your credit score. ThrivePay Instalments uses your existing credit card’s available credit. As long as you have the full purchase amount available in credit and meet the geographic and card eligibility requirements, you can use ThrivePay Instalments at checkout.
Q: Why does my card need the full purchase amount in available credit if I’m paying in installments?
- A: ThrivePay Instalments places an authorization hold for the full purchase amount to secure your payment plan. This hold guarantees the merchant that you have sufficient credit to complete all instalments. While the full amount is authorized (held), you’re only charged monthly for each instalment. The authorization hold decreases as you make payments and is fully released after your final payment.
Q: When will the authorization hold be released from my credit card?
- A: The authorization hold typically decreases as you make each monthly payment. Some banks release the hold within a few business days, while others may maintain it for up to 30 days or even the full length of your plan. ThrivePay Instalments does not control your bank’s hold policies. The hold is fully released after your final instalment is paid.
Q: Can I use ThrivePay Installments if I live outside the US, UK, Canada, or Australia?
- A: No, ThrivePay Instalments is currently only available for customers with billing addresses in the United States, United Kingdom, Canada, or Australia. Additionally, your credit card must be issued from one of these four countries. If you’re located in an unsupported country, you can complete your purchase using standard credit card or other available payment methods.
Q: What happens if my card expires during my installment plan?
- A: You’ll receive an email reminder 30 days before your card’s expiration date. You’ll need to update your payment information in the Customer Portal before your card expires to avoid payment failures. If your card expires and a payment fails, you’ll receive notifications and instructions to update your card. Your account access remains active during a grace period while you resolve the issue.

Q: Can I pay off my remaining balance early?
- A: Yes! You can pay off your remaining balance at any time by accessing the Customer Portal here and selecting the option to complete your payment plan early. The system will charge your card for the full remaining balance, and the authorization hold will be released within a few business days.
Q: What happens if I request a refund?
- A: Refunds for purchases made with ThrivePay Instalments are processed according to the refund policy of the vendor you purchased from. You will need to reach out to them directly to inquire about refunds, as ThriveCart and ThrivePay Instalments cannot process refunds on behalf of our vendors.
- If approved, all paid installments will be refunded, and future installments will be cancelled. Refunds take 5-10 business days to process. The authorization hold on your card will be released once the refund is processed.
Q: Can I change my instalment plan after checkout (e.g., from 12 months to 6 months)?
- A: No, your instalment plan cannot be changed once it’s created. You selected your payment term (3, 6, or 12 months) at checkout, and this determines your monthly payment amount and schedule. If you want to complete your payments faster, you can pay off your remaining balance early through the Customer Portal.
Q: Can I have multiple ThrivePay Instalments plans active at the same time?
- A: Yes, if you purchase multiple eligible products using ThrivePay Instalments, each purchase creates a separate instalment plan. Each plan has its own payment schedule and can be managed independently in the Customer Portal.

Last updated: 8 October 2026