Pay Monthly with Mastercard financing, approval and a credit check apply, and interest may apply on longer plans. No hidden booking fees on Laters.
Yes. You can use Mastercard to book flights and buy plane tickets for any airline, on any route, in any fare class, when you book through Laters.com. 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.
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 Mastercard runs a credit check before approving you. 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 Mastercard's own credit check and terms.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| Mastercard built into checkout on all 650+ airlines | ✓ | Very few |
| The same Mastercard plans, whichever airline you fly | ✓ | ✕ |
| Compare every airline in one search, then pay with Mastercard | ✓ | ✕ |
| Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkout | ✓ | ✕ |
| No surcharge and no booking fee for paying with Mastercard | ✓ | Varies |
Our editorial rating, out of 10, for how well a buy now, pay later provider actually 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 instalment 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 | Due today | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay Monthly | Not specified | Not specified | $1,000.00 | Nothing |
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.
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 travellers 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, so check availability on the provider's site before booking.
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, so check availability on the provider's site before booking.
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, so check availability on the provider's site before booking.
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, so check availability on the provider's site before booking.
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, so check availability on the provider's site before booking.
Tabby splits a booking into instalments at checkout, with eligibility and any credit check determined by the provider rather than promised in advance.
Coverage varies by market, so check availability on the provider's site before booking.
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.
Your e-ticket is issued once your payment or your Pay Monthly plan is approved and the booking is confirmed with the airline. Because financing involves a credit check, approval is not automatic, and ticketing follows that decision rather than happening the moment you submit the form. If the plan is declined, no ticket is issued until you choose another payment method. Check your booking confirmation email from Laters.com for the exact status.
The Pay Monthly financing plan involves a credit check as part of the approval process, since it is a lending product rather than a simple card payment. This means your application can affect your credit file and approval is never guaranteed. Because it is a financing plan, treat it as a credit commitment with real consequences for missed payments, not a routine transaction. Laters.com displays whether a credit check applies before you confirm your plan choice.
Missing a scheduled payment on the Pay Monthly financing plan can result in a late fee being added to your balance. Because this is a credit product, missed payments may also be reported to credit reference agencies, which can affect your credit standing well beyond the cost of the flight. This risk applies regardless of how the fare was originally priced. Always check the repayment schedule on Laters.com before booking and contact the provider promptly if you expect to miss a due date.
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 traveller 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.
The Pay Monthly financing plan is built for spreading a larger fare over a longer term rather than settling it in one go, which suits long-haul or premium bookings where the total cost is higher. Because it is a financing product, it can carry interest and involves a credit check before approval. Spreading payments does not reduce the total fare, and the deferred balance is still owed on schedule. Check the specific term length and any interest detail for Pay Monthly on Laters.com before committing to a long-haul 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.
When a booking paid through the Pay Monthly financing plan is cancelled or refunded, the refund is applied against your outstanding balance with the credit provider rather than simply being handed back as cash if repayments are still due. Because this is a financing arrangement, any interest already accrued or fees charged before the refund may not automatically disappear. Airline refund rules and fare conditions still apply on top of this. Confirm the exact refund handling for your plan through Laters.com and the provider before assuming a full reversal.
Yes. The Pay Monthly financing plan applies to the total fare you are charged rather than to the specific route or number of stops, so international and multi-stop itineraries are treated the same as a single-leg booking. What determines which plans you see is the country you are booking from on Laters.com, not the destinations or layovers in your itinerary. A credit check still applies to financing regardless of route complexity. Confirm plan availability for your booking country before you start checkout.
Not necessarily. The Pay Monthly financing plan is a credit product, and financing plans of this kind can carry interest as part of how the cost is structured, so staying current on payments does not automatically mean the flight costs nothing beyond the fare. A credit check applies before approval, and missing a payment adds a late fee on top of whatever interest already applies. The real cost depends on the specific terms attached to your approved plan. Review the interest and fee details shown at checkout on Laters.com before you commit.
Airline loyalty programmes 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.
Yes. The Pay Monthly financing plan applies to the total fare charged, so a premium cabin or business class ticket can be financed the same way as an economy fare, provided the plan is available in your booking country. Because premium fares are higher, the repayment amounts and total interest on a financing plan will scale up accordingly, and approval still depends on a credit check. Laters.com shows the plan options available for your specific fare and country at checkout. Review the full repayment schedule before booking a premium fare this way.
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 travellers 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 Mastercard's approval, 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 method and the credit provider behind the plan, not the seller of the flight. 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; Mastercard settles the fare with the airline on your behalf, and your repayments go to Mastercard directly, not to Laters.com.
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 genuinely 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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