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 request validity period) .
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:
- The merchant site submits a payment request in several installments.
- 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.
- 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.
- The issuer generates a unique transaction identifier and transmits it in the response to the authorization request.
- The payment gateway notifies the merchant website about the payment result.
For the following payment:
- The payment gateway performs an authorization request for the installment amount, providing the initial transaction identifier (ITC) as a chaining reference.
- 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).
- If the merchant has enabled the Instant Payment Notification URL on batch authorization notification rule, gateway notifies the merchant site of the payment result.
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 | |
| ALMA | Alma in 2 installments | ALMA_2X | |
| ALMA | Alma in 3 installments | ALMA_3X | |
| ALMA | Alma in 4 installments | ALMA_4X | |
| ALMA | Alma in 10 installments | ALMA_10X | |
| ALMA | Alma in 12 installments | ALMA_12X | |
| AMEXGLOBAL | American Express | AMEX |  |
| APPLE PAY | Apple Pay wallet payment | APPLE_PAY | |
| 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 | 1st generation Mastercard electronic meal voucher | EDENRED | |
| CB | Sodexo Meal Voucher card | SODEXO | |
| CONECS | Bimpli Meal Voucher card (ex Apetiz) | 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 | | ||
| MULTIBANCO | MB Reference | MULTIBANCO | |
| MULTIBANCO | MB Way | MB_WAY | |
| ONEY_API | Oney 3x 4x payment | ONEY_3X_4X | |
| ONEY_API | Payment 10x 12x Oney | ONEY_10X_12X | |
| ONEY_API | Payment Oney Pay Later | ONEY_PAYLATER | |
| ONEY_API | Oney partner brand cards | ONEY_ENSEIGNE | |
| ONEY_API_SANDBOX | Oney 3x 4x payment (Sandbox mode) | ONEY_3X_4X | |
| ONEY_API_SANDBOX | Oney 10x 12x payment (Sandbox mode) | ONEY_10X_12X | |
| ONEY_API_SANDBOX | Payment Oney Pay Later (Sandbox mode) | ONEY_PAYLATER | |
| ONEY_API_SANDBOX | 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 | |
| PAYCONIQ | Payconiq | PAYCONIQ | |
| PAYPAL | PayPal | PAYPAL | |
| PAYPAL_SB | PayPal - Mode sandbox | PAYPAL_SB | |
| PAYPAL_BNPL | PayPal Pay Later | PAYPAL_BNPL | |
| PAYPAL_BNPL_SB | PayPal Pay Later - Mode sandbox | PAYPAL_BNPL_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 | |
