Installment Payment

Overview

XPay allows you to support Installment Payments.

An installment process is performed by the Acquirer without interest. The Merchant informs the Cardholder about the available number of installment options and the Cardholder decides on the number of installments with the Merchant at the checkout page of the merchant.

Note: The number of installments shall not exceed the limit specified in the corresponding contract.

Hosted Payment Page

The payment flow does not vary with respect to the Hosted Payment Page solution, in fact it is necessary to call the same API:

• POST /orders/hpp

Valuing the Order.Plan object with the parameters:

Pay-by-Link

The payment flow does not vary with respect to the solution Pay-by-Link, it is in fact necessary to call the same API:

• POST /orders/paybylink

Order.Plan object has the following parameter:

M.O.T.O

The payment flow does not vary with respect to the solution MOTO, it is in fact necessary to call the same API:

• POST /orders/moto

Order.Plan object has the following parameter:

Example request with installments

Below is an example request highlighting the parameters involved in an installment payment.

In this example:

• The total order amount is 5000 (e.g. €50.00)
• order.amount and paymentSession.amount are equal
• The transaction will be automatically split into 2 installments by the Acquirer

{
  "order": {
    "amount": "5000",
    "currency": "EUR",
    "orderId": "ORDER_12345",
    "description": "Installment payment example",
    "plan": {
      "installmentQty": 2,
      "planType": "ACQUIRER_AGREEMENT"
    }
  },
  "paymentSession": {
    "actionType": "PAY",
    "amount": "5000"
  }
}