Our solution can incorporate with the existing credit card system and enhance the payment transaction with the installment plan option for cardholders. The IPP system has a flexible IPP features which support campaign creation, interest charge & fees, and automatically calculated the installment amount of each campaign according to the criteria setup. The interest charged scheme can be configured to share between three parties like cardholder, merchants, and suppliers. Meaning, it allows the banks to offer 0% interest plan to cardholder while the interest charges will be shared between merchants or/and suppliers of such products. Each merchant can have multiple campaigns in the same period and the cardholder can choose their preferred installment campaigns.