InstallmentsWhen you make a purchase with ViaBill, online or in a physical store, we will deduct 5% (25% if you are a Free customer) of your purchase immediately and the rest of the amount will be divided into installments, with the next payment charged on your fixed installment date the next month.To change the number of monthly installments please check this article.If you want to pay before your fixed day you can make a manual payment*. This manual payment or any negative due amount will automatically go towards the next installment if it is not clearing an already past due amount. Your repayment dateThis is determined by the day you make your first purchase with ViaBill.For example, if you make your first purchase on February 20, then all future monthly repayment days will be the 20th of the month. This will include any purchases made in between. For example, if you choose to make a second purchase on February 25, you will make the first payment at the time of finishing the purchase and the remaining balance will be divided into installments and added to your current monthly installment plan. Your monthly installment on the 20th of March will include both purchases.Account feeIf you have a ViaBill+ account you will have a fixed payment date each month where you pay your monthly account fee. This is determined by the day you create your account or upgrade your credit.When you go onto a ViaBill+ product, you will be charged an initial sign-up fee (to the value of the selected product's membership fee). Should you not use your ViaBill+ account, this will be a one-time fee. This sign up-date will be used for future recurring membership fees once the account is in use.You do not pay the account fee when your account is $0 after your initial sign-up fee. If you have paid off your balance and your amount used is $0, you do not pay the account fee until you use your credit again.ExampleIf you create your account on February 15, you will pay your monthly account fee for the coming month immediately and then on March 15, April 15, and so on.*the amount will be deducted from your MyViaBill account on your fixed day.