When paying with credit cards in Japan, shoppers can split the payment amount into multiple installments. There are two types of installment plans:
- Regular: the shopper chooses to split the amount into 2 to 99 equal monthly installments.
- Revolving: the shopper makes an initial partial payment, and the remaining amount is split into installments. The number of installments depends on the agreement between the shopper and their bank.
These Japanese installment payments are supported automatically after enabling the feature.
Requirements
| Requirement | Description |
|---|---|
| Integration type | Make sure you have an existing Terminal API integration or a standalone terminal. |
| Limitations | Supported in Japan. |
| Setup steps | Contact our Support Team to enable credit card installments for your merchant account. |
How it works
Whether you send a payment request from your POS app or start the payment from a standalone terminal, the flow is the same. You do not have to specify any additional fields in the payment request.
- You start a payment like you usually do.
- The shopper presents their card to the terminal and the screen with payment options shows.
- The shopper chooses the payment option on the terminal screen:
- One-off payment, split payment, or revolving payment.
- If split payment: number of installments.
- The shopper verifies the payment by entering their PIN or signature on the terminal.
- When the transaction is approved, you receive a response containing receipt data.
If the payment is successful, the terminal shows that the payment is approved, and prints a merchant receipt and then a shopper receipt.
Reconciling installments
For both regular and revolving installments, you receive the full purchase amount immediately from the bank, and the shopper pays the bank in installments.
If you use standalone terminals, you need to manually reconcile your point-of-sale transactions against your sales and returns.