SmartPay: More Flexibility, More Control, Your Way.
Have you ever noticed how life has perfect timing, until it suddenly doesn’t?
Maybe it’s the week your car needs maintenance, the month your pet decides to become an acrobat, or the moment that concert you’ve been waiting for finally opens ticket sales. Life comes fast, and it rarely schedules itself around your billing cycle. And honestly?
You shouldn’t have to wait for the “right” day to take care of what matters.
That’s exactly why we built SmartPay. A simpler, clearer, more flexible way to manage bigger purchases using your Inter Credit Card. When something can’t wait (or shouldn’t have to), SmartPay helps you move forward with confidence, clarity, and a payment plan that fits effortlessly into your month.
Just you, your budget, and a tool designed to make life smoother.
So… what exactly is SmartPay?
SmartPay is Inter’s new installment feature that lets you split eligible Inter Credit Card purchases of $100 or more into up to 4 predictable monthly payments. It’s built to give you breathing room without complicated terms or unexpected fees, because financial tools should simplify your life, not stress you out.
Once a qualifying purchase appears on your current billing cycle, SmartPay allows you to break it into smaller chunks directly inside the app.
No calls. No negotiations. No waiting for approval.
Just open the app, check which purchases are eligible, choose your plan, and you're all set.
Here’s what makes SmartPay different:
- Pay in 4 monthly installments
- No fees when you pay on time
- No impact to your credit score
- Up to two active plans at the same time
- All managed directly inside the Inter app
- A clearer, more flexible way to plan your monthly expenses
Whether it’s a planned upgrade, a sudden expense, or simply a smarter way to budget, SmartPay gives you options.
Why we created SmartPay
Because control shouldn't depend on your pay schedule.
Because your life doesn’t pause for “statement cut” or “posted payment”.
Because everyone deserves tools that bring clarity, not complexity, to their wallet.
At Inter, we believe that progress comes from empowerment: the power to make decisions that fit your life, the freedom to handle unexpected moments, and the confidence that comes from knowing your banking institution is actually on your side.
SmartPay was built for real people living real lives. People who value transparency, predictability, and flexibility more than financial jargon.
When SmartPay can really make a difference
SmartPay is there for the moments when spreading out a payment makes life feel lighter, not because you can’t afford something, but because you prefer to keep your cash flow healthy and predictable.
Think about moments like:
- That phone that stopped working at the worst possible time
- A pet emergency that just can’t wait
- Weekend flights you spotted on sale
- Car repairs that appear out of nowhere
- Tickets that will 100% sell out if you don’t move fast
- Stocking up on essentials before the month gets tight
- If it’s $100 or more and is posted to your current billing cycle, SmartPay can turn a stressful moment into a manageable one.
How SmartPay works (step by step)
Using SmartPay is simple by design. Every step is clear, predictable, and transparent.
1. Make a purchase using your Inter Credit Card
Use your card normally. If the amount is $100 or higher, it becomes eligible for SmartPay once it appears in your current cycle.
2. Open the Inter app and look for “SmartPay” on the search icon
You’ll see a full list of eligible purchases and all the details you need to understand your options. Everything is organized so you don’t waste time trying to find what matters.
3. Choose how you want to split your purchase
Pick the number of installments you prefer, up to 4 monthly payments.
Before confirming anything, you’ll see:
Your purchase amount
Your installment amounts
Number of monthly payments
No fine print, no surprises, just clear numbers you can rely on.
4. Track and manage with total visibility
Your installments are posted monthly and appear in your app as they’re posted, so you can easily keep track of what’s coming next.
And as long as each installment is paid on time? No fees.
5. Repeat when you need to
You can have up to two SmartPay plans active at the same time, giving you even more flexibility to plan ahead or manage multiple priorities.
SmartPay Benefits: at a glance
SmartPay goes beyond a simple feature — it’s a financial tool designed for real life. It allows you to split eligible purchases into up to four monthly payments, with no fees when you pay on time and no impact on your credit score. Whether you’re dealing with an unexpected expense or planning ahead, SmartPay offers flexibility without sacrificing control. You can have up to two active installment plans at the same time, all with clear visibility and easy management directly in the app. The result is a smoother monthly flow, less stress, and the confidence to manage your finances without limiting your choices.
FAQ — You asked, we got you
Does SmartPay charge any fees?
No. SmartPay has no fees when payments are made on time.
Is SmartPay a loan?
No. It’s an installment feature tied to your existing Inter Credit Card purchases.
Will SmartPay affect my credit score?
No. SmartPay does not impact your credit score.
Can I split any purchase?
Only Passport Card purchases of $100 or more that appear on your current billing cycle.
How many SmartPay plans can I have?
You can have up to two active installment plans.
Who can use SmartPay?
U.S. residents who have the Inter Credit Card.
Where do I find SmartPay?
In your Inter app — just search for “SmartPay” or “Installments.”
How are payments scheduled?
Installments align with your Inter Credit Card billing cycle, and you can see the full schedule before confirming.
SmartPay: Because life happens between paychecks
You deserve financial tools that adapt to your lifestyle, not ones that limit your choices. With SmartPay, you decide how to organize your spending, how to structure your month, and how to move forward with greater confidence. It’s about having more flexibility, more clarity, and more ways to live life on your own terms. Ready to get started? Open the Inter app and see which purchases you can split today.
DISCLAIMER
INTER & CO PAYMENTS, INC., doing business as Inter (“Inter”), is a financial technology company, a registered money services business (MSB) and a licensed money transmitter, not a bank. The Inter US Mastercard® Credit Card is issued by Continental Bank pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard credit is accepted.
