Is there a minimum spend required to use Pay-in-9 and Pay-in-12? 13 June 2024 02:10 Updated Pay-In-9: Minimum spend of $4.50 Pay-In-12: Minimum spend of $6.00 Related articles Why is it that only certain brands offer Pay-in-9 and Pay-in-12? What is my spending limit? Are there any additional charges on top of the monthly processing fee? What happens if I want to pay earlier than the agreed payment plan? Can you waive the monthly processing fee?