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 as an immediate full payment, the subsequent installments are similar to deferred full payments.
Only the first installment can be guaranteed to the merchant on the condition that the capture date for the installment is set before the authorization expiry date depending on the payment method (see: Authorization request validity period) .
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 History tab in the Merchant Back Office indicates the number of initially planned installments.
A verification is made to check the payment method validity throughout the payment schedule.
If the card is invalid, a warning message is shown to the buyer, who must use another payment method or abandon the payment.
However, if the card is renewed or terminated before the end of the payment schedule, the payments will be refused by the issuing bank (auto 54 return code: Payment method expired.
In this case, you will receive an e-mail notification via the “Refusal e-mail for deferred payment” notification rule.
List of payment methods compatible with payment in installments:
| Network code | Payment method | Card types(vads_payment_cards) | Supports payment in installments |
|---|---|---|---|
| AMEX | American Express | AMEX |  |
| 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 | |
| DINERS | Diners Club | DINERS | |
| DINERS | Discover | DISCOVER | |
| JCB | JCB | JCB | |
| MC_CB2A | Maestro | MAESTRO |  |
| MC_CB2A | Mastercard | MASTERCARD | |
| OSB_PRIV | Private card of Banque de Polynésie | PRV_BDP | |
| OSB_PRIV | Private card of Banque de Tahiti | PRV_BDT | |
| OSB_PRIV | MARARA private card | PRV_OPT | |
| OSB_PRIV | Private card of Banque Socredo | PRV_SOC | |
| OSB_PRIV | Smart Card private card (BRED Bank Vanuatu) | PRV_SMART_CARD | |
| VISA_CB2A | Visa | VISA | |
| VISA_CB2A | Visa Electron | VISA_ELECTRON | |
| VISA_CB2A | VPay | VPAY | |