Skipping a payment

Written by Bernard (SI), VP, Finance & Controller · Updated 2026-10-05

If your trip shows Skip Payment, you can skip your next installment. That payment becomes $0, a $20 fee is charged to your card on file today, and your remaining installments go up slightly to cover the skipped amount. Your payment dates don't move.

Skipping is different from missing a payment. It's a planned change you make ahead of time, so the skipped payment doesn't go past due, and your plan carries on as normal.

How do I skip a payment?

  1. Open Trips and tap your trip.
  2. In the Payment Schedule section, tap Skip Payment. It's its own button, not part of Make a Payment.
  3. Check the new amount for your remaining payments. The Skip Payment screen shows the exact figure before you confirm anything.
  4. Confirm. $20 is charged to your card on file today.

What changes, and what stays the same?

What changes:

  • Your next installment becomes $0.
  • You pay $20 today, charged to your card on file.
  • Each remaining installment rises slightly. Your remaining balance is divided across the payments that are left.

What stays the same is your payment dates, including your final payment date. So your next charge lands on the following scheduled date: one week later on a weekly plan, or two weeks later on a bi-weekly plan.

Can you show me an example?

Here's how the numbers work, using example amounts:

  1. Before you skip. You have $450 left to pay, in 10 weekly payments of $45, due every Friday.
  2. You skip this Friday's payment. It becomes $0, and $20 is charged to your card today.
  3. The rest are recalculated. Your $450 is divided across the 9 payments that are left, so each one becomes $50.
  4. Your next charge. Your card is next charged $50 on the following Friday.

Your own Skip Payment screen shows your exact new amount before you confirm, so you'll know the figure in advance.

When can I skip?

  • Your plan needs to offer it. Skip Payment is available on Defera Installments plans that show this option, for trips that aren't yet paid in full.
  • Nothing can be past due. Skip Payment isn't available while a payment is past due. Catch up on what's past due from Make a Payment first, and it becomes available again.
  • The fee can't be waived. The $20 fee is charged to your card on file when you skip.

Is skipping my best option?

It depends on what's making the payment hard. Skipping costs $20 today, so it fits best when one particular payment is the problem.

  • If the size of each payment is the problem, switching to weekly with Change Schedule makes each payment smaller, and nothing is charged today.
  • If the timing is the problem, Pick my own dates can move your next payment to a date that works better, for $25.

I can't make my next payment compares all your options.

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