Learn how to accept credit card purchases in installments.
Paying in installments is the most popular form of credit card purchase in Brazil and Mexico, and widely used in Turkey.
Credit card installments are also available for some Mastercard holders in the United Kingdom, but follow a different integration flow. For more information, see Mastercard Installments UK.
When a shopper makes a purchase in installments, the cost is split into multiple smaller payments, each referred to as an installment. These are charged to the shopper's credit card every 30 days until their purchase has been paid in full. This is popular with shoppers as they receive goods or services immediately, but spread the cost of the purchase over multiple months.
Making an installment purchase requires one API call, and is similar to making a regular credit card payment. The first installment is immediately charged to the shopper's credit card, and all future installments will be charged automatically.
|Payment Type||3D Secure supported||Refunds||Partial Refunds||Captures||Partial Captures||Chargebacks|
|Credit card||Yes, for supported cards.||Yes||Yes||
Brazil and Mexico: Supported
Turkey: Not supported
You can accept credit card installment payments with:
Integrate with Checkout SDKs
Here we describe how to make installment purchases with our Checkout SDKs.
Before you begin this section, make sure you read and understand our SDK Integration guides.
To offer installments to your shoppers:
Make a regular
/paymentSessioncall to create a payment session, and additionally include a
installments.maxNumberOfInstallments: The maximum number of installments you want to offer the shopper. For more information on how many installments you can offer, see number of installments.
The example below shows how you would make a 120 Brazilian Real (BRL) purchase that can be paid in a maximum of 6 installments, using our Checkout SDK for Web.
In Brazil, you can charge interest to shoppers paying in installments. To do this, add the interest to the
The response contains the
paymentSession you need to initialize the SDK.
Integrate with API
In this section we show you the API integration steps for making installment purchase with our API integration.
Before you begin this section, make sure you read and understand our API Integration guide.
Step 1: Collect shopper details
The integration steps for collecting a shopper's card details for installments is the same as for a regular credit card payments. If you have already integrated a
To collect the shopper's card details, you can either:
Collect with Card Component
To add the Card Component to your payments form:
Create a DOM element, placing it where you want the card form to be rendered:
Create an instance of the Card Component, and mount it:
Create a function to listen to and handle the
onChangeevent triggered by the Component:
state.isValidis true, collect the encrypted values passed in the
Use the encrypted values to make the payment.
To configure how the Card Component renders in your payment form, see Configuring the Component.
Collect with your own payments form
If you're using your own payments form, when a shopper chooses to pay by card:
Collect the following card details from the shopper in your payment form using Secured Fields:
Card details Example input The card number "4111111111111111" The card expiry month "03" The card expiry year "30" The security code (CVV / CVC) "737" Optional: The card holder's name. Do not encrypt this. "J Smith"
Use the encrypted card values passed by the Secured Fields to make the payment.
Step 2: Make payment
To make the installment purchase with our Checkout API:
- Make a regular credit card payment with a
/paymentsAPI call, and additionally include:
installments.value: The number of installments. For more information on how many installments you can offer, see number of installments.
The example below shows how you would make a 120 Brazilian Real (BRL) purchase that will be paid in 6 installments.
In Brazil, you can charge the shopper interest for paying in installments. To do this, add the interest to the
Here we use encrypted card details, generated using the Card Component. If you are PCI Level 1 or 2 certified, you can provide raw card data instead.
If the payment is successful, you receive:
pspReference: Our unique identifier for the transaction.
Step 3: Present payment result
- Use the
resultCodeyou received from the
/paymentsendpoint to present the shopper with the result of the payment in your website or app. Check our result codes documentation for information on what these mean.
Accepting notifications is not required if you are accepting installment payments, but we strongly recommend that you do. Each notification has a:
pspReference: Identifies which payment is being referred to.
eventCode: Indicates the status of the payment.
If you haven't already set up notifications, refer to our notifications documentation for instructions.
When an installment purchase is successful you'll receive a notification with:
Number of installments
The number of installments you can offer to your shopper depends on their country:
|Country||Number of installments|
|Brazil||You choose the number of monthly installments.|
|Mexico||Either 3, 6, 9, 12, or 18 monthly installments.|
|Turkey||Either 2, 3, 6, or 9 monthly installments.|
How installment payments are processed, and when you receive the funds, depends on the shopper's country. For more information, refer to the country-specific information for Brazil, or Mexico and Turkey.
In Brazil, you receive funds for each installment as it is settled. There is a settlement delay of 30 days.
We also offer advancements if you need funds sooner. There is an additional fee for this service. Contact your Adyen Account Manager for details.
For more information on how installments are settled and reconciled in Brazil, see Reconcile installment payments.
Mexico and Turkey
For installment purchases made in Mexico or Turkey, you will receive the funds in-full when the first installment is settled.
You will be charged an additional fee by card schemes for installment purchases in Mexico and Turkey. Contact your Adyen Account Manager for details.
Configuring the Component
Our Card Component has several options you can configure, including properties used for Secured Fields.
When instantiating the Card Component, you can optionally specify:
details: Set an object containing the
type: schemefrom the
enableStoreDetails: Set to true to show the checkbox to save card details for the next payment.
hasHolderName: Set to true to request the name of the card holder.
holderNameRequired: Set to true to require the card holder name.
groupTypes: Defaults to
['mc','visa','amex']. Configure supported card types to facilitate brand recognition used in the Secured Fields
onBrandcallback. See list of available card types. If a shopper enters a card type not specified in the
GroupTypesconfiguration, the onBrand callback will not be invoked.
styles: Set a style object to customize the input fields. See Styling Secured Fields for a list of supported properties.
placeholders: Specify the sample values you want to appear for card detail input fields.
Testing credit card installments
Before making installment payments with live credit cards, use our test card numbers to test your integration.
In Turkey, you can also test installment purchases using Izyico's test card numbers.
You can check the status of a test installment purchase in your Customer Area > Transactions > Payments.