To implement credit card installment payment using Payment Page, send the following parameters in the Payment Page request URL:

• allow_installments=1 (enables installment payment)
• max_num_installments

Example Payment Page Request URL

https://ppp-test.safecharge.com/ppp/purchase.do?merchant_id=123456789&merchant_site_id=123456&user_token=auto&user_token_id=Test_&item_open_amount_1=true&item_min_amount_1=1&item_max_amount_1=100&item_name_1=Cashier%20Test%20product%201&item_amount_1=1.23&item_quantity_1=1&total_amount=1.23&currency=MXN&version=4.0.0&first_name=test&last_name=test&address1=test&city=test&zip=123456&country=MX&phone1=123456&[email protected]&payment_method=cc_card&userid=test1234&allow_installments=1&max_num_installments=5&time_stamp=&checksum=27e904e276faf01f18f4a93ab389d4c7

To implement credit card installment payments using REST API, send a /payment request with its mandatory parameters and include:

addendums.localPayment class containing:

• numberOfInstallments – The total number of installments (including the first installment).
  
  REQUIRED for all transactions with installments.

• nationalId – The user’s national ID number.
  
  REQUIRED when processing is performed by local banks in certain regions or countries, such as Latin America (LATAM) and Israel.

• installmentType – The type of installment.
  Possible values:
  1 – Deferred with interest
  2 – Deferred without interest
  3 – Deferred without interest and months of grace
  
  REQUIRED for installment transactions in Mexico.

• debitType: “2”
  
  REQUIRED only for transactions performed via CreditGuard bank.

Example /payment Request

{
  "sessionToken": "<sessionToken from /getSessionToken>",
  "merchantId": "<your merchantId>",
  "merchantSiteId": "<your merchantSiteId>",
  "clientRequestId": "<unique request ID in merchant system>",
  "clientUniqueId": "<unique transaction ID in merchant system>",
  "userTokenId": "<unique customer identifier in merchant system>",
  "currency": "USD",
  "amount": "10.37",  
  "paymentOption": {
    "card": {
      "cardNumber": "4444493318246892",
      "cardHolderName": "John Smith",
      "expirationMonth": "12",
      "expirationYear": "25",
      "CVV": "670"
    }
  },
  "billingAddress": {
    "firstName": "John",
    "lastName": "Smith",
    "email": "[email protected]",
    "country": "CL"
  },  
  "deviceDetails": {
    "ipAddress": "<customer's IP address>"
  },
  "addendums": {
    "localPayment": {
      "numberOfInstallments": "121",     
      "nationalId": "123456789",      
      "installmentType": "3",
      "debitType": "2"
    }
  },
  "urlDetails": {
    "notificationUrl": "<URL to which DMNs are sent>"
  },
  "timeStamp": "<YYYYMMDDHHmmss>",
  "checksum": "<calculated checksum>"
}

Example /payment Response

{
  "reason":"",
  "orderId":"38606501",
  "customData":"Custom Data Inserted By Darin!",
  "merchantSiteId":"126006",
  "gwExtendedErrorCode":0,
  "merchantId":"2502136204546424962",
  "paymentOption":{
    "userPaymentOptionId":"8414971",
    "card":{
      "issuerBankName":"BANCO DE CHILE",
      "ccCardNumber":"4444493318246892",
      "bin":"548652",
      "avsCode":"S",
      "threeD":{
        
      },
      "cardType":"Credit",
      "ccExpMonth":"12",
      "ccExpYear":"25",
      "issuerCountry":"CL",
      "isPrepaid":"false",
      "acquirerId":"99",
      "cardBrand":"MASTERCARD",
      "cvv2Reply":"P",
      "last4Digits":"4763"
    }
  },
  "externalTransactionId":"211008371893",
  "authCode":"416380",
  "transactionStatus":"APPROVED",
  "issuerDeclineCode":"",
  "clientRequestId":"D6F0GRT5D",
  "internalRequestId":24583551,
  "version":"1.0",
  "transactionId":"2110000000008371893",
  "transactionType":"Sale",
  "gwErrorCode":0,
  "externalSchemeTransactionId":"MCS00LNQW0120  ",
  "clientUniqueId":"695701003",
  "errCode":0,
  "sessionToken":"96fd6575-6533-4791-a106-c1bf2d82ad23",
  "userTokenId":"X874NSXD6VK0",
  "issuerDeclineReason":"",
  "fraudDetails":{
    "score":"0",
    "finalDecision":"Accept"
  },
  "status":"SUCCESS"
}

To implement credit card installment payments using Web SDK, send an /openOrder request with its mandatory parameters and include:

addendums.localPayment class containing:

• numberOfInstallments – The total number of installments (including the first installment).
• nationalId – The user’s national ID number.
• installmentType – The type of installment.
  Possible values:
  1 – Deferred with interest
  2 – Deferred without interest
  3 – Deferred without interest and months of grace
• debitType: “2“
• minNumberofInstallments – Minimum number of installments offered to users.
• maxNumberofInstallments – Maximum number of installments offered to users.

Example /openOrder Request

{
  "merchantId": "<your merchantId goes here>",
  "merchantSiteId": "<your merchantSiteId goes here>",
  "clientUniqueId": "<unique transaction ID in merchant system>",
  "clientRequestId": "<unique request ID in merchant system>",
  "currency": "MXN",
  "amount": "200",
  "timeStamp": "<YYYYMMDDHHmmss>",
  "checksum": "<calculated checksum>",
  "addendums": {
    "localPayment": {
      "numberOfInstallments": "121",
      "nationalId": "123456789",
      "installmentType": "3",
      "debitType": "2",
      "minNumberofInstallments": "1",
      "maxNumberofInstallments": "10"
    }
  }
}

For information about implementing credit card installment payments using Simply Connect, press here.