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 due date of the payment in installments.
Otherwise, a single refused transaction is created. The transaction History tab indicates the initially scheduled number of installments.
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.
However, it is possible 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 | Jouéclub gift card | JOUECLUB_CDX | ![]() |
ACCORD_SANDBOX | Illicado gift cards - Sandbox mode | ILLICADO_SB | ![]() |
ACCORD_SANDBOX | JouéClub gift card - Sandbox mode | JOUECLUB_CDX_SB | ![]() |
AMEX Réservé à l'acceptation des cartes AMEX en Polynésie Française. |
American Express | AMEX | ![]() |
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 * | CA DO card | CA_DO_CARTE | ![]() |
CB * | Chèque Déjeuner Meal Voucher card | CHQ_DEJ | ![]() |
CB * | 1st generation Mastercard electronic meal voucher | EDENRED | ![]() |
CB * | Sodexo Meal Voucher card | SODEXO | ![]() |
COFINOGA | BeSmart Cofinoga card | COFINOGA | ![]() |
COFINOGA * | Soficarte card | SOFICARTE | ![]() |
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 | ![]() |
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 | ![]() |
MASTERPASS * | MasterPass | MASTERPASS | ![]() |
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 | ![]() |
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 | ![]() |
SOFORT * | Sofort Banking | SOFORT_BANKING | ![]() |