# Deferring Payments

Hyp allows merchants to defer payments, delaying the charge by a specified number of months. Deferred payments are commonly used for promotions, travel packages, and high-value goods.

Deferred payments can also be combined with [installments](/creditguard/payment-page-integration/installments.md), where the first installment is charged after the deferral period. For example, a customer may pay in 10 installments, starting three months after the purchase date.

To implement deferred payments, make a standard [payment page request](/creditguard/payment-page-integration/integrating-hyps-payment-page-and-accepting-payment.md), but include the following inside the `doDeal` element of your request:

```xml
<ashraitEmvData>
    <deferMonths>3</deferMonths>
</ashraitEmvData>
```

The `deferMonths` element specifies the number of months to defer the payment. The value must be between 1 and 99, with an optional leading zero for values less than 10.

Apart from adding the elements shown above, the payment page flow is exactly the same as for a standard, non-deferred payment.


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