Yes. You can use Mastercard's Pay Monthly payment plan to book flights and buy plane tickets for any airline, on any route, in any fare class, when you book through Laters.com, where it is offered.
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Edited by Shanice Priscilla
Yes, Mastercard Works on Any Airline on Laters.com
Yes. You can use Mastercard's Pay Monthly payment plan to book flights and buy plane tickets for any airline, on any route, in any fare class, when you book through Laters.com, where it is offered. There is no payment surcharge and no booking fee for choosing Mastercard at checkout. Because the flexibility comes from how Laters.com processes payment, not from the airline itself, coverage does not depend on which carriers accept Mastercard directly.
Plenty of airlines don't offer Mastercard financing directly at their own checkout: Southwest and JetBlue in the US, and easyJet, Ryanair and Norwegian across the UK, Ireland and the Nordics. Book any of them through Laters.com instead and Mastercard becomes usable regardless. At checkout, you select Mastercard, choose a plan that fits the budget, and the e-ticket is issued once payment is confirmed.
Mastercard's Pay Monthly financing plan is currently available where Mastercard checkout is offered, from a long-haul business-class seat to a short domestic hop. Approval isn't guaranteed: a credit check applies, some plans carry interest, and you need to be 18 or over to apply. If you're comparing options, PayID is also accepted at our checkout.
Figures as published by Mastercard, verified against Mastercard’s country terms.
With Mastercard, you can spread a fare into monthly payments rather than paying the whole amount at booking. This is a credit arrangement: some plans carry interest, and your card's issuing bank runs the credit check and decides approval, not Mastercard directly. Terms and how much you can split depend on the card and the issuer.
$500
Pay Monthly costs you nothing extra only if your card's promotional terms say so; otherwise interest applies from the start, since this is a standard credit purchase rather than a fee-free plan. A credit check is part of getting or using the card, and your issuer sets the actual rate.
You repay Mastercard (or the bank behind your card) according to your monthly billing cycle, and the airline issues your ticket in full at booking regardless of how many payments you choose.
Illustrative only. The figures above are computed from the fare you set: plain division for the interest-free plans, and the plan's own illustrative rate over its stated term for monthly financing. They are not an offer, a quote, or a prediction of what you will be given. Laters.com is not the lender and takes no part in the decision: which plans appear, the instalment amounts, any interest and fees, and whether you are eligible at all are determined by the provider alone, and depend on a credit or eligibility assessment, your country and your basket. The only way to see your real plans is to choose this payment method at checkout, at which point the provider, not Laters.com, approves or declines the purchase. All plans, rates, fees and terms are estimates only and subject to approval and to change.
Mastercard checkout on Laters.com currently centers on the United States, with more markets expected to open up as coverage grows. That is narrower than Mastercard's own reach as a card network, which spans a far wider stretch of the globe, so think of this grid as the slice of that footprint we can currently confirm for flight bookings, not the whole business. Where we do list a market, the terms shown come from Mastercard's own published country terms rather than our estimate of them. We have no currency examples to draw on yet, since settlement details are not published for the market we cover, so fares there are simply charged the way your card normally handles them. This guide lists financing in 1 market.
Plans as published by Mastercard for United States (US), verified .
The short-term plan familiar to many cardholders elsewhere in the world does not appear under any label in the market we cover here. What is on offer instead is a monthly financing plan, which spreads the fare across fixed payments over time. Financing plans of this kind typically carry interest, and approval is never guaranteed since a credit check applies before checkout is confirmed. Limits, rates and exact repayment terms differ by country and are shown by Mastercard at checkout, so it is worth reading those details there before you commit to a plan.
Most airlines don't offer Mastercard financing at their own checkout, and the ones that do set their own rules for it. On Laters.com, Mastercard sits inside one checkout that covers every airline we sell, so the plan you get does not depend on who operates the flight.
Whichever airline operates the flight and whichever plan Mastercard approves, Laters.com is who you booked with, and remains the merchant for that ticket. That means one party to call if the flight changes or a refund is owed, not the airline and the card issuer separately. Approval and any financing costs still depend on your own card issuer's credit check and terms.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| Flight search | Compare available flights across airlines before choosing how to pay. | Search the airline and its partner itineraries. |
| Mastercard at checkout | Compare 650+ airlines in one place and choose Mastercard Pay Monthly at checkout. | American Airlines, Delta and United do not offer a Mastercard-branded installment option at their own checkout; Delta's own pay-over-time feature is American Express Plan It, a different card network, limited to Amex cardholders. |
| Other ways to pay | Mastercard sits alongside PayID, Klarna, Afterpay, Affirm, Zip and Tabby at the same checkout; filters narrow the choices to your booking. | Limited to the airline's own payment options. Pay-later choices vary by airline. |
| Fare conditions and extras | Seats and baggage allowance depend on the fare selected. Add extras including baggage protection, eSIMs, lounge passes, carbon offsetting and more. | Seats and baggage allowance depend on the fare selected. |
| Payment surcharges | None. Laters.com charges no payment surcharges. | Some airlines' published terms add a payment fee in certain markets: American Airlines, for example, may charge a processing fee of £4.50 a ticket on some UK card and PayPal payments. |
Choose Laters if...
You want to compare every airline in one search before you choose how to pay. You would like a pay-later plan at one checkout, whichever airline you fly.
Book direct if...
You are paying in full by card and want to manage the booking with the airline yourself. You want the status bonuses that only the airline's own site gives.
Each row compares the feature described. The provider and payment rows compare the published catalogues; checkout shows your actual options. Sources checked 2026-10-20: Laters.com payment options, Delta Plan It by American Express, and American Airlines fee disclosure.
Our editorial rating, out of 10, for how well a buy now, pay later provider works when you are booking a flight.
Every provider at our checkout is scored on the same 4 measures, so you can compare them like for like before you choose how to pay. See all fly now pay later provider scores →
This score is based on Mastercard's published plan terms, eligibility criteria for flight bookings, and country availability data, alongside independent research by Laters.com. No brand pays to be rated; the assessment is editorial and applies the same criteria to every provider. Last reviewed September 2026.
Laters.com is the merchant for every booking on this page: we sell the ticket and earn from the fare, which is the same whichever payment method you choose. No payment provider pays us for placement, ranking or its Payment Score, and this page contains no affiliate links.
Mastercard on Laters.com comes down to one plan: Pay Monthly, a financing product, live in the US. There's no pay-in-4 or deferred option here, just a single installment route with a credit check behind it. Fine if a monthly schedule suits you, thin if you wanted a choice.
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility7/10
Just one plan, Pay Monthly, a multi-month financing product. It spans a longer term than a deferred pay-in-4 would, but with only one shape on offer, there's no shorter-term or deferred alternative to choose instead.
Interest Rate7/10
Pay Monthly is a financing plan, and financing plans of this kind typically carry an APR rather than running at 0%. No pay-in-4 style 0% short plan is offered here to offset that cost.
Eligibility7/10
Availability is confirmed for one market, the US, with Pay Monthly the only plan listed there. That single-country, single-plan record leaves no evidence of broader reach beyond this one listing.
Approval Process7/10
Financing plans like Pay Monthly generally involve a credit check before approval, and Mastercard's own site is the place to confirm whether that's a soft or hard check for this plan.
This table prices the same fare on Mastercard's Pay Monthly plan. The fare itself doesn't change for paying this way, since Laters.com adds no booking fee or surcharge for choosing it. Availability and rates shown here are for the US market.
| Plan | Upfront payment | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay Monthly | Not specified | At checkout | At checkout | At checkout |
This worked example is an illustration, not a quote. What you're actually offered depends on your market and on approval at checkout. Every provider on Laters.com is costed on the same rows here, so you can compare Mastercard against other options fairly.
If you have ever typed "airlines that accept Mastercard" into a search bar, here is the settled answer: every airline on Laters.com can be paid for with Mastercard, right here. That holds on any route and any fare class, subject to Mastercard's own limits and eligibility check, whether you are booking a short-haul low-cost hop or a long-haul business class seat. Which Mastercard plan you are actually offered depends on the country you book from, not the airline you fly, so check the country section below for what Mastercard publishes where you are. On a full-service carrier, the checked bag, seat selection, meals and frequent-flyer earning stay exactly as that airline sells them; on a low-cost airline, extras get added a la carte at checkout, with Mastercard splitting the total either way. Paying with Mastercard does not change the fare, the baggage allowance or the miles earned. You fly as the airline's own passenger and simply split the cost.
Compare American Airlines fares, cabins and included baggage, then choose Mastercard Pay Monthly at Laters.com checkout.
Compare the Delta Air Lines fare families side by side, then check Mastercard Pay Monthly for your booking.
Weigh the United Airlines cabins and fare types against the price before choosing Mastercard at checkout.
British Airways connects its London Heathrow hub worldwide. Compare baggage and fare rules, then pay with Mastercard at Laters.com checkout.
Check what a Lufthansa fare includes, from cabin to baggage, then compare flights and pay with Mastercard.
Compare Japan Airlines cabins and what each fare covers, then choose Mastercard Pay Monthly where it is offered.
Look at how an easyJet fare is built up, add only what you need, then compare total cost with Mastercard financing.
Check which Ryanair extras sit outside the base fare, then weigh the full cost against a Mastercard Pay Monthly plan.
Set the Jetstar fare bundles beside each other, then check Mastercard availability for your booking country.
Compare how Frontier Airlines prices bags and seats alongside the fare before choosing Mastercard at checkout.
Find out what a Wizz Air fare includes and what is added later, then compare Mastercard financing on Laters.com.
Tell the Vueling fare types apart so you can pick the one that fits your bags, then check Mastercard at checkout.
Here's the thing about the Laters.com checkout: Mastercard and PayID both sit right there, so this isn't a question of hunting down some other site to book with. It's a straight choice between two ways to pay for the same ticket. Mastercard publishes a single Pay Monthly financing plan, built for spreading the fare over time on a card most travelers already carry, while compare PayID for flights on Laters.com runs on a different mechanic entirely. If Mastercard isn't available where you are, these are the other providers that can spread the cost of your flight.
PayID is built around splitting a purchase into smaller payments rather than card-based monthly financing, and approval along with any applicable credit check still applies before you book.
Coverage varies by market. Check PayID's site for your country.
Klarna offers several ways to delay or split a fare, and while some plans run without interest, others carry an APR and a credit check, so approval is never guaranteed.
Coverage varies by market. Check Klarna's site for your country.
Afterpay splits the ticket price into smaller payments on a set schedule, and missing one can trigger a fee, with approval decided at checkout rather than guaranteed upfront.
Coverage varies by market. Check Afterpay's site for your country.
Affirm leans toward financing a flight over several months rather than a short pay-in-4 split, and plans can carry an APR that depends on a credit check at checkout.
Coverage varies by market. Check Affirm's site for your country.
Zip lets you break a fare into scheduled payments, though approval isn't automatic and a missed payment can bring fees or affect your account standing.
Coverage varies by market. Check Zip's site for your country.
Tabby splits a booking into installments at checkout, with eligibility and any credit check determined by the provider rather than promised in advance.
Coverage varies by market. Check Tabby's site for your country.
Fees, refunds, credit checks and eligibility
Everything you need to know about paying for flights with Mastercard on Laters.com.
Yes. On Laters.com, Mastercard checkout can offer the Pay Monthly financing plan, which spreads the fare into scheduled repayments rather than one upfront charge. Pay Monthly is a credit product, so a credit check applies and approval is not guaranteed. Which plan you see depends on the country you book from, so confirm current options at checkout on Laters.com.
All of them on Laters.com. Mastercard is a payment method built into our checkout, not a setting individual airlines switch on, so every airline we sell can be booked this way. That includes the Pay Monthly financing plan where it is offered in your country. A credit check applies to financing, so approval and terms depend on your own credit standing rather than the airline chosen.
No. Laters.com adds no payment surcharge and no booking fee when you check out with Mastercard, so the fare shown is the same as paying by card outright. If you choose the Pay Monthly financing plan instead of paying in full, that plan can carry interest and missing a scheduled payment can trigger a late fee. The extra cost, if any, comes from the credit plan you pick, not from using Mastercard itself.
The supplied availability data confirms the US, where the Pay Monthly financing plan is offered through Mastercard checkout. Country availability determines which plans appear, so a traveler booking from outside a listed market may not see the same options. Because this is a credit product, eligibility also depends on individual approval, not just location. Confirm current country coverage and plan availability on Laters.com before you start a booking.
It can. The Pay Monthly financing plan involves a credit check, and how your application and repayment behaviour affect your score depends on the provider's reporting practices and your existing credit file. Paying on schedule is unlikely to cause harm, but a missed payment may be reported to credit reference agencies and can lower your credit standing. Because this is a lending product and not a simple card charge, treat repayments with the same seriousness as any other credit commitment. Check current details on Laters.com and with Mastercard directly.
Airline loyalty programs generally credit miles and tier points based on the fare and ticket booked, not on the payment method used to purchase it, so a Mastercard-funded booking is typically treated the same as any other. This is standard airline practice rather than something Laters.com controls. Because the Pay Monthly financing plan is a separate credit arrangement from your airline loyalty account, choosing it should not itself block mileage accrual. Check your specific airline's fare rules and loyalty terms to confirm, since some fare classes carry their own restrictions.
Mastercard is one of the most recognisable names in global payments, used by cardholders and accepted by merchants across most of the world's markets. What began as a way to pay for everyday purchases has grown into a network that also lets people finance bigger ones over time, and flights are one of them: book through Mastercard's installment option and it covers every airline we sell, not a shortlist.
The company traces back to 1966, when a group of California banks formed what was then called the Interbank Card Association in the United States; it later traded as Master Charge before adopting the Mastercard name in 1979. Today it operates as a publicly listed payments company, working through licensed bank and lending partners rather than lending directly in every market, and the exact structure varies by country.
Its growth hasn't been without friction: Mastercard has faced antitrust scrutiny and interchange-fee litigation in several markets over the decades, even as it expanded into newer products like installment financing. Borrow only what you can comfortably repay on the schedule you're given, and check Mastercard's own site for the terms that apply where you live.
Booking with Mastercard on Laters.com starts the way any search does: pick your route and dates, compare fares, and choose Mastercard as your payment method at checkout. From there you're shown the plan available on your account, which for Mastercard means Pay Monthly, a financing option; because it ties to a card many travelers already carry, most can select it at checkout without applying for something new.
Plans like this can carry interest and are subject to a credit check and your card issuer's approval, not Mastercard's, so read the terms shown before you confirm. Once payment is approved, your e-ticket is issued and sent to your inbox.
Laters.com is the merchant on this booking: we sell the ticket and issue it once your payment clears. Mastercard is the payment network behind the plan; your repayments go to your card's issuing bank, not to Mastercard or to Laters.com.
Paying this way costs the same as paying by card, since there is no payment surcharge and no separate booking fee for choosing Mastercard at checkout. You do not need to already hold a card to use this option; your card issuer settles the fare with the airline on your behalf through Mastercard's network.
Laters.com earns from the fare as the merchant, the same whichever payment method you choose; no payment provider pays for placement on this page.
A flight booking and a repayment plan run on different schedules. Our guide explains the practical questions to consider before splitting a fare.
Borrowing responsibly means only committing to instalments you can afford. Missed payments can result in late fees, may be reported to credit reference agencies, and may affect your credit standing and your ability to borrow in future. Laters.com is the new name for Fly Fairly; nothing about your booking or support changes. Last reviewed by the Laters.com editorial team in September 2026.
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Facts on this page were checked against these sources between and ; figures are re-checked when their sources publish new data.
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