• France
lyra.com
Search
Categories
Tags
docs.
France
Spain
Europe (English)
India
Home
Implementation
Embedded form (cards)
REST payment API
REST PCI-DSS payment API
REST SEPA API
Hosted payment
Data collection form
File exchange
Mobile payment
Snippets
Plugins
Marketplace
Back Office
Merchant Back Office
Expert Back Office
Guides
Help
FAQ
Video tutorials
Support

Payment in installments

A payment is considered to be an “installment payment” if the amount for the purchase is debited to the buyer’s account in several installments.

The first installment works the same way as an immediate payment.

The next installment(s) is similar to (a) deferred payment(s).

Only the first installment can be guaranteed to the merchant on the condition that the requested capture date for the first installment is set before the authorization expiry date, depending on the payment method (see Authorization validity period section).

As part of the implementation of PSD2, the cardholder will be required to undergo strong authentication when making the first installment payment.

If the authorization (or information) request is accepted on the day of the order, a transaction is created for each Installment payment due date.

Otherwise, only one rejected transaction is created. The transaction History tab then indicates the number of installments initially planned.

Simplified diagram

On the day of the order:

  1. The merchant site submits a payment request in several installments.
  2. The payment gateway initiates the cardholder’s authentication process with the issuer.
     
    • Authentication is requested for the total amount of installment.
    • Regulations require strong authentication for this use case.
  3. Once the strong authentication is completed, the gateway proceeds with the authorization request on the amount of the first installment by providing the cardholder’s authentication details.
  4. The issuer generates a unique transaction identifier and transmits it in the response to the authorization request.
  5. The payment gateway notifies the merchant website about the payment result.

For the following payment:

  1. The payment gateway performs an authorization request for the installment amount, providing the initial transaction identifier (ITC) as a chaining reference.
  2. The issuer recognizes the transaction as a MIT that is part of a series of payments for which the cardholder has previously authenticated themselves and proceeds with the authorization request.

    The transaction will not be rejected for lack of authentication (soft decline).

  3. If the merchant has enabled the Instant Payment Notification URL on batch authorization notification rule, gateway notifies the merchant site of the payment result.
 In this use case, the way the chaining reference is handled is transparent to the merchant.

Note:

The validity of the payment method is checked throughout the payment schedule.

Otherwise, a warning is displayed to the buyer.

The buyer will then have to specify another payment method or abandon the payment.

It is possible, however, that the card is renewed or canceled before the end of the payment schedule.

In this case, the payments will be refused by the issuing bank (auto 54 return code: Payment method expired.

You will be notified by e-mail about a rejected installment payment via the notification rule " Refusal e-mail for deferred payment".

List of payment methods compatible with payment in installments:

Network code Payment method Card types (vads_payment_cards) Supports payment in installments
ACCORD Illicado gift Card ILLICADO
ACCORD_SANDBOX Illicado gift cards - Sandbox mode ILLICADO_SB
AMEXGLOBAL American Express AMEX
AURORE Cpay card AURORE-MULTI
CB CB CB
CB e-Carte Bleue virtual card E-CARTEBLEUE
CB Maestro MAESTRO
CB Mastercard MASTERCARD
CB Visa VISA
CB Visa Electron VISA_ELECTRON
CB VPay VPAY
CB Apetiz Meal Voucher card APETIZ
CB Chèque Déjeuner Meal Voucher card CHQ_DEJ
CB 1 st generation Mastercard electronic meal voucher EDENRED
CB Sodexo Meal Voucher card SODEXO
CONECS Apetiz Meal Voucher card APETIZ
CONECS Chèque Déjeuner Meal Voucher card CHQ_DEJ
CONECS Conecs Meal Voucher card CONECS
CONECS Sodexo Meal Voucher card SODEXO
CVCONNECT Chèque-Vacances Connect CVCO
DINERS Diners Club DINERS
DINERS Discover DISCOVER
EDENRED Edenred EcoChèque Ticket EDENRED_EC
EDENRED Edenred Compliments Ticket EDENRED_TC
EDENRED Edenred meal voucher EDENRED_TR
EDENRED Sport & Culture Edenred Ticket EDENRED_SC
FRANFINANCE Franfinance payment in 3X FRANFINANCE_3X
FRANFINANCE Franfinance payment in 4X FRANFINANCE_4X
FRANFINANCE_SB Franfinance payment in 3X - Sandbox mode FRANFINANCE_3X
FRANFINANCE_SB Franfinance payment in 4X - Sandbox mode FRANFINANCE_4X
FULLCB Payment in 3 installments with no fees with BNPP PF FULLCB3X
FULLCB Payment in 4 installments with no fees with BNPP PF FULLCB4X
GATECONEX Bancontact BANCONTACT
GATECONEX Diners Club DINERS
GATECONEX Discover DISCOVER
GATECONEX e-Carte Bleue virtual card E-CARTEBLEUE
GATECONEX Maestro MAESTRO
GATECONEX Mastercard MASTERCARD
GATECONEX Visa VISA
GATECONEX Visa Electron VISA_ELECTRON
GATECONEX VPay VPAY
GICC_DINERS Diners Club DINERS
GICC_DINERS Discover DISCOVER
GICC_MAESTRO Bancontact BANCONTACT
GICC_MAESTRO Maestro MAESTRO
GICC_MASTERCARD Mastercard MASTERCARD
GICC_VISA Visa VISA
GICC_VISA Visa Electron VISA_ELECTRON
GICC_VISA VPay VPAY
GOOGLEPAY Google Pay wallet payment GOOGLEPAY
JCB JCB JCB
LYRA_COLLECT_ PPRO Alipay ALIPAY
LYRA_COLLECT_ PPRO Bancontact Mistercash BANCONTACT
LYRA_COLLECT_ PPRO Giropay GIROPAY
LYRA_COLLECT_ PPRO iDeal Internet Banking IDEAL
LYRA_COLLECT_ PPRO Multibanco MULTIBANCO
LYRA_COLLECT_ PPRO MyBank MYBANK
LYRA_COLLECT_ PPRO Przelewy24 PRZELEWY24
LYRA_COLLECT_ PPRO Sofort Banking SOFORT_BANKING
LYRA_COLLECT_ PPRO UnionPay UNION_PAY
LYRA_COLLECT_ PPRO WeChat WECHAT
ONEY_API Oney 3x 4x payment ONEY_3X_4X
ONEY_API Oney partner brand cards ONEY_ENSEIGNE
ONEY_API_SANDBOX Oney 3x 4x payment (Sandbox mode) ONEY_3X_4X
ONEY_API_SANDOX Oney partner brand cards in Sandbox mode ONEY_ENSEIGNE
ONEY_SANDBOX FacilyPay Oney - Mode sandbox ONEY_SANDBOX
ONEY FacilyPay Oney ONEY
PAYDIREKT_V2 PayDirekt PAYDIREKT
PAYPAL PayPal PAYPAL
PAYPAL_SB PayPal - Mode sandbox PAYPAL_SB
PLANET_DCC MASTERCARD MASTERCARD
PLANET_DCC VISA VISA
POSTFINANCEV2 PostFinance POSTFINANCE
POSTFINANCEV2 PostFinance E-finance POSTFINANCE_EFIN
PRESTO Presto by Cetelem online credit solution PRESTO
SEPA SEPA DIRECT DEBIT SDD
Recruitment

Head Office :

LYRA NETWORK
109, rue de l’innovation
31670 Labège
FRANCE

2.8.1-doc-1.8