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.

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
ANCV e-Chèque-Vacances E_CV
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 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
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
GIROPAY Giropay GIROPAY
GOOGLEPAY Google Pay wallet payment GOOGLEPAY
IDEAL iDeal Internet Banking IDEAL
JCB JCB JCB
KLARNA Klarna Internet Banking KLARNA
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
PAYLIB Wallet Paylib PAYLIB
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
SOFORT Sofort Banking SOFORT_BANKING
WIRECARD Euro-Cheque card ECCARD
WIRECARD Giropay GIROPAY
WIRECARD Maestro MAESTRO
WIRECARD Mastercard MASTERCARD
WIRECARD SEPA DIRECT DEBIT SDD
WIRECARD Visa VISA
WIRECARD Visa Electron VISA_ELECTRON
WIRECARD VPay VPAY