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Credit card installments

Learn how you can accept credit card payments in installments.

Paying in installments is a popular form of credit card purchase in Brazil, Mexico, and Japan.

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 is similar to making a regular card payment. The first installment is charged to the shopper's credit card immediately. Following installments are charged automatically.

For cards that support 3D Secure, you can also accept installment payments with 3D Secure authentication.

Country/region Currency Payment type Refunds Partial refunds Separate captures Partial captures Chargebacks
Brazil BRL Credit card -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark-
Mexico MXN Credit card -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark-
Japan JPY Credit card -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark-

Installment options in supported countries/regions

The number of installments you can offer to the shopper depends on their country/region:

Country/region Number of installments
Brazil Any number equal to or greater than 1, and less than 100.
Mexico 3, 6, 9, 12, or 18 monthly installments.
Japan For regular installments, any number greater than 1, and less than 100.

Use these numbers for the values when you create a session, create a configuration object or make a payment.

There are three types of installment plans for Japan:

  • Regular: you decide how many installments are offered at checkout for the shopper to choose. The number of installments must be greater than 1 and less than 100.
  • Revolving: a payment is split into an initial partial payment, and the remaining amount is split in installments. The cardholder must get a prior approval from the issuer.
  • Bonus: this installment type coincides with an employee’s summer and winter bonuses and is settled only twice a year - in the middle of July and in the middle of December.

The type of installment plans that are supported depend on the card network:

Installment Plan Visa Mastercard JCB Diners
Regular -white_check_mark- -white_check_mark- -white_check_mark- -x-
Revolving -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark-
Bonus (1 Time) -white_check_mark- -white_check_mark- -white_check_mark- -white_check_mark-

Requirements

Make sure that you have either:

Web Drop-in or Components

When you show installment options, the shopper can choose the type and the number of installments in the payment form.

To do so, either:

Include the installment options object when you create a session

In your /sessions request, include the installmentOptions object, which has following fields:

Field Required Description
values -white_check_mark- An array of the number of installments that the shopper can choose.
preselectedValue The preselected number of installments in the payment form.
plans An array that shows the types of installment plans that the shopper can choose.
Possible values: regular and revolving.
If not included, the default is regular.

When you set installment options in the configuration object for cards, you can either :

Setting installment options for all cards

In this example, the API request configures the payment form to show the following installment options, for all card brands:

  • The choice of 2, 3, or 5 monthly installments.
  • The choice of a regular or revolving installment plan.