What Is Pay Over Time?
Pay Over Time allows you to split your contribution into four equal monthly payments, making it easier to support your favorite campaigns without paying the full amount upfront.
Note: Pay Over Time is currently in beta and is only available on a limited number of campaigns. There are no additional fees for using Pay Over Time.
How It Works
- When you back a campaign that offers Pay Over Time, you'll see the option at checkout if you meet the eligibility criteria.
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First Payment: If you choose Pay Over Time, you'll be charged for the first payment (¼ of the total amount, including shipping and tip) at checkout.
- Subsequent Payments: The remaining three payments will be automatically charged on the same calendar day of each subsequent month. For example:
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- Initial contribution on June 03
- 2nd payment on July 03
- 3rd payment on August 03
- Final payment on September 03
Note: If the campaign's currency differs from your home currency, each payment will be converted. The converted amount may change due to currency fluctuations over time.
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Payment Method: All payments will be processed using the payment method used for the initial payment. Once you've selected Pay Over Time and completed the initial payment you will not be able to convert the contribution to a one-time full payment.
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Contribution Confirmation: You will receive a confirmation email for each successful payment in your Pay Over Time schedule. To view your contribution details and track payment progress, click the “Manage Contribution” link in any of your confirmation emails, or log in to your Indiegogo account and go to the “My Contributions” section.
Eligibility Criteria
- Your total contribution or cart total (including shipping and tip) must be a minimum of $400.
- You can only have one active Pay Over Time contribution at a time. Once you've completed payments for one, you can use the feature again.
What to Expect if the Initial Payment Doesn’t Go Through
Sometimes, it might look like your initial payment was successful, but it later comes back as declined by your payment provider. When this happens, your order will be canceled and you won’t be enrolled in the installment plan.
If you're still interested in supporting the campaign, you’ll need to return to the campaign page, re-select your perk, and complete the checkout process again.
Before trying again, we recommend taking a quick look at this article on common payment issues for tips that may help avoid the same issue.
What to Expect if a Future Payment Doesn’t Go Through
If an installment payment attempt is unsuccessful:
- We'll automatically retry charging the card on file 3 days after the initial attempt and again 8 days after the initial attempt.
- Each time a payment fails, you'll receive an email notification prompting you to contact us at indiegogo.com/support for assistance.
- If the payment fails a third time, your contribution will be refunded automatically.
Contribution Status & Shipping
- While you're still making payments, your contribution will be marked as In Process.
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Once all payments are complete, your order will be marked as Paid and processed based on the campaign's fulfillment timeline.
Note: Campaign owners are solely in charge of perk fulfillment. If you have questions about perk delivery timelines or status, please check the campaign’s Updates tab or contact the campaign owner directly through the campaign page.
Refunds and Cancellations
- Our standard refund policy applies to contributions made using Pay Over Time.
- If your contribution is still eligible for a refund, you can request it directly from your profile. Just follow the steps outlined in this article for detailed instructions.
Note: Once a contribution is outside the eligible refund window, the option to request a refund will no longer be available.
If you have any questions or need assistance, feel free to reach out to our User Operations team at indiegogo.com/support.