Mint Pay How it works 3 interest-free instalments with either a debit or credit card. 01. Add your favorite items to the cart and select Mintpay as the payment option when you checkout. 02. Your purchase is split into 3 instalments. Just pay the first instalment to complete the checkout process. 03. Your order is on the way! The remaining 2 instalments will automatically be charged from your card on their due dates.