Abstract: Systems and methods are provided for providing installment options to users for transactions by the users at merchants. One example computer-implemented method includes receiving a request for an installment payment, from a user, via a wallet software development kit (SDK) at a merchant, where the installment payment is for a transaction between the user and the merchant, and then determining eligibility of the merchant for the installment payment based on information in the request and responding to the request with eligible installment types. The method also includes receiving a second request, via an installment SDK at the merchant, for installment options consistent with a selected installment type, determining an installment option for the transaction, and responding to the second request with the installment option. The method then includes, in response to the installment option, creating an installment plan for the installment option and storing the installment plan in memory.