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_SANDBOX Illicado gift cards - Sandbox mode ILLICADO_SB
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 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
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
GIROPAY Giropay GIROPAY
GOOGLEPAY Google Pay wallet payment GOOGLEPAY
IDEAL iDeal Internet Banking IDEAL
JCB JCB JCB
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
SEPA SEPA DIRECT DEBIT SDD
SOFORT Sofort Banking SOFORT_BANKING