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Credit card installments

Learn how you can accept credit card payments in installments.

Installments in the UK

Mastercard installments are available for some cardholders in the UK.

Paying in installments is a popular form of credit card purchase in Brazil, Mexico, Turkey, 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 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-
Turkey TRY Credit card -white_check_mark- -white_check_mark- -x- -x- -white_check_mark-
Japan JPY Credit card -white_check_mark- -x- -x- -x- -white_check_mark-

Installment options in supported countries

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

Country Number of installments
Brazil Any
Mexico 3, 6, 9, 12, or 18 monthly installments.
Turkey 2, 3, 6, or 9 monthly installments.
Japan* For regular installments, any number greater than 2 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 two 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 2 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 discuss the payment amounts with the card's issuer.

Before you begin

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.
/sessions request with installment options for all cards
curl https://checkout-test.adyen.com/v69/sessions \
-H 'X-API-key: YOUR_API_KEY' \
-H 'Content-Type: application/json' \
-d '{
    "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
    "reference":"YOU_REFERENCE",
    "paymentMethod":{
      "type":"scheme",
      "encryptedCardNumber": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
      "encryptedExpiryMonth": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
      "encryptedExpiryYear": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
      "encryptedSecurityCode": "adyenjs_0_1_18$MT6ppy0FAMVMLH..."
    },
    "installmentOptions":{
        "card":{
            "values": [2, 3, 5],
            "plans": ["regular", "revolving"]
        }
    },
    "amount":{
      "currency":"JPY",
      "value": 3000
    }
}'

Setting installment options for different card brands

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

  • For Visa cards:
    • The choice of 2 or 4 monthly installments.
    • A regular installment plan.
  • For Mastercard cards:
    • The choice of 2, 3, or 5 monthly installments.
    • The choice of a regular or revolving installment plan.
/sessions request with installment options
curl https://checkout-test.adyen.com/v69/sessions \
-H 'X-API-key: YOUR_API_KEY' \
-H 'Content-Type: application/json' \
-d '{
    "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
    "reference":"YOU_REFERENCE",
    "paymentMethod":{
      "type":"scheme",
      "encryptedCardNumber": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
      "encryptedExpiryMonth": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
      "encryptedExpiryYear": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
      "encryptedSecurityCode": "adyenjs_0_1_18$MT6ppy0FAMVMLH..."
    },
    "installmentOptions":{
        "visa":{
            "values": [2, 4]
        },
        "mc": {
            "values": [2, 3, 5],
            "plans": ['regular', 'revolving']
    },
    "amount":{
      "currency":"JPY",
      "value": 3000
    }
}'

Create a configuration object for Drop-in or Card Component

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

Setting installment options for all cards

//example configuration in the Drop-in object
{
 ...
 paymentMethodsConfiguration: {
    card: {
      installmentOptions: {
        card: {
            // Shows 1, 2, and 3 as the numbers of monthly installments that the shopper can choose.
            values: [1, 2, 3],
            // Shows regular and revolving as plans that the shopper can choose.
            plans: [ 'regular', 'revolving' ]
        },
      // Shows payment amount per installment.
      showInstallmentAmounts: true
    }
 ...
}

Setting installment options for different card brands

//example configuration in the Web Drop-in object
{
 ...
 paymentMethodsConfiguration: {
    card: {
      installmentOptions: {
        visa: {
            // Shows 1, 2, and 3 as the numbers of monthly installments that the shopper can choose.
            values: [1, 2, 3],
            // Shows regular and revolving as plans shoppers can choose.
            plans: [ 'regular', 'revolving' ]
        },
        mc: {
            // Shows 1 and 2 as the numbers of monthly installments that the shopper can choose.
            values: [1, 2],
            // Shows regular and revolving as plans that the shopper can choose.
            plans: [ 'regular', 'revolving' ]
        }
      },
      // Shows payment amount per installment.
      showInstallmentAmounts: true
    }
 ...
}

Make a payment

If you built your own UI for the card payment form, send the installment field in the first payment request.

Brazil, Mexico, and Turkey

To make an installment payment, additionally include in your /payments request:  

  • installments.value: The number of monthly installments. Include a valid number of installments for the corresponding country.

In Brazil, you can charge the shopper interest for paying in installments. To do this, add the interest to the amount.value.

The following example shows how you would make a 120 Brazilian Real (BRL) purchase that will be paid in 6 installments of 20 BRL.

Make a payment with installments in BRL
curl https://checkout-test.adyen.com/v69/payments \
-H 'X-API-key: YOUR_API_KEY' \
-H 'Content-Type: application/json' \
-d '{
    "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
    "reference":"YOUR_REFERENCE",
    "paymentMethod":{
      "type":"scheme",
      "encryptedCardNumber": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
      "encryptedExpiryMonth": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
      "encryptedExpiryYear": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
      "encryptedSecurityCode": "adyenjs_0_1_18$MT6ppy0FAMVMLH..."
    },
    "installments":{
      "value": 6
    },
    "amount":{
      "currency":"BRL",
      "value":12000
    }
}'

If the payment is successful, the first installment is immediately charged to the shopper's credit card. You receive a /payments response and an AUTHORISATION notification, same as regular credit card payments. Following installments will be charged automatically.

You will not receive notifications for subsequent installment payments. You can track whether an installment payment is successful with the Settlement details report. For more information, refer to Reconcile installment payments.

Japan

Supported in Checkout API v64 or later.

To make an installment payment, additionally include in your /payments request:  

  • installments.plan: The type of plan. Set this to either regular or revolving.
  • installments.value: The number of monthly installments.
    • regular plan: this must be set to greater than 2 and less than 100.
    • revolving plan: this must be set to 1.

The following example shows how you would make a 3000 Japanese Yen (JPY) purchase that will be paid in 10 installments of 300 JPY.

Make a payment with installments in JPY
curl https://checkout-test.adyen.com/v69/payments \
-H 'X-API-key: YOUR_API_KEY' \
-H 'Content-Type: application/json' \
-d '{
    "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
    "reference":"YOU_REFERENCE",
    "paymentMethod":{
      "type":"scheme",
      "encryptedCardNumber": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
      "encryptedExpiryMonth": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
      "encryptedExpiryYear": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
      "encryptedSecurityCode": "adyenjs_0_1_18$MT6ppy0FAMVMLH..."
    },
    "installments":{
      "value": 10,
      "plan":"regular"
    },
    "amount":{
      "currency":"JPY",
      "value": 3000
    }
}'

If the payment is successful, the first installment is immediately charged to the shopper's credit card. You will receive a /payments response and an AUTHORISATION notification, same as regular credit card payments. All future installments are charged automatically.

You don't receive notifications for following installment payments. You can track whether an installment payment is successful with the Settlement details report. For more information, refer to Reconcile installment payments.

Getting paid

How installment payments are processed and when you receive the funds depend on the shopper's country. For more information, refer to the country-specific information for Brazil, Mexico and Turkey, or Japan.

Brazil 

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.

Japan

For installment purchases made in Japan, you will receive the funds in full when the first installment is settled.

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.

See also