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Merchant-Initiated Installment Payments with PAN

After the initial CIT installment payment, subsequent installment payments are merchant-initiated transactions (MITs).

Prerequisites

The first transaction in an installment payment is a
customer-initiated transaction
 (CIT). Before you can perform a subsequent
merchant-initiated transaction
 (MIT), you must store the customer's credentials for later use. Before you can store the user's credentials, you must get the customer's consent to store their private information. This process is also known as establishing a relationship with the customer.

Supported Card Types

These are the supported card types for processing credentialed transactions:
  • American Express
  • Carta Si
  • Cartes Bancaires
  • Dankort
  • Delta
  • Eurocard
  • JCB
  • Maestro (UK Domestic)
  • Mastercard
  • Visa
  • Visa Electron

Required Fields for a Merchant-Initiated Subsequent Installment Payment

orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.administrativeArea
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.phoneNumber
orderInformation.billTo.postalCode
paymentInformation.card.expirationMonth
paymentInformation.card.expirationYear
paymentInformation.card.number
processingInformation.authorizationOptions. initiator. merchantInitiatedTransaction. previousTransactionID
  • American Express: set to the transaction ID from the original transaction.
  • Discover: set to the transaction ID from the original transaction.
  • Visa: set to the last successful transaction ID.
processingInformation. authorizationOptions. initiator. storedCredentialUsed
Set the value to
true
.
processingInformation. authorizationOptions. initiator. type
Set the value to
merchant
.
processingInformation. commerceIndicator
Set the value to
install
.

Country-Specific Required Fields for Installment Payments with Mastercard or Visa Card

Include these country-specific required fields for installment payments using a Mastercard or Visa card, in addition to the required fields listed above.

Argentina

Include these required fields for payments using either a Mastercard or Visa card in Argentina.
installmentInformation.planType
installmentInformation.totalCount
processingInformation.commerceIndicator

Brazil

Include these required fields for payments using either a Mastercard or Visa card in Brazil.
buyerInformation.companyTaxId
buyerInformation.personalIdentification.id
installmentInformation.planType
installmentInformation.totalCount
orderInformation.billTo.phoneNumber
processingInformation.loanOptions.type

Chile

Include these required fields for payments using either a Mastercard or Visa card in Chile.
installmentInformation.planType
installmentInformation.totalCount
processingInformation.commerceIndicator

Croatia

Include these required fields for payments using either a Mastercard or Visa card in Croatia.
installmentInformation.planType
merchantInformation.taxId

Georgia

Include these required fields for payments using either a Mastercard or Visa card in Georgia.
installmentInformation.amount
installmentInformation.firstInstallmentAmount
installmentInformation.monthlyInterestRate
installmentInformation.planType
installmentInformation.totalCount

Greece

Include these required fields for payments using either a Mastercard or Visa card in Greece.
installmentInformation.gracePeriodDuration
installmentInformation.gracePeriodDurationType
installmentInformation.planType
installmentInformation.totalCount

Mexico

Include these required fields for payments using either a Mastercard or Visa card in Mexico with Banco Nacional de México (Banamex) or BBVA México (Bancomer).
installmentInformation.amount
installmentInformation.paymentType
installmentInformation.planType
processingInformation.commerceIndicator

Paraguay

Include this required field for payments using either a Mastercard or Visa card in Paraguay.
installmentInformation.planType

Peru

Include this required field for payments using either a Mastercard or Visa card in Peru.
installmentInformation.planType

REST Example: Authorizing Merchant-Initiated Subsequent Installment Payments

Request
{
    "processingInformation": {
        "commerceIndicator": "install",
        "authorizationOptions": {
            "initiator": {
                "storedCredentialUsed": "true",
                "type": "merchant",
                "merchantInitiatedTransaction": {
                    "reason": "9",
                    "previousTransactionId": "123456789619999",
                    "originalAuthorizedAmount": "100"    //Discover Only
                }
            }
        }
    },
    "orderInformation": {
        "billTo": {
            "firstName": "John",
            "lastName": "Doe",
            "address1": "201 S. Division St.",
            "postalCode": "48104-2201",
            "locality": "Ann Arbor",
            "administrativeArea": "MI",
            "country": "US",
            "phoneNumber": "5554327113",
            "email": "
test@bankofamerica.com
"
        },
        "amountDetails": {
            "totalAmount": "100.00",
            "currency": "USD"
        }
    },
    "paymentInformation": {
        "card": {
            "expirationYear": "2031",
            "number": "4111xxxxxxxxxxxx",
            "expirationMonth": "12"
        }
    }
}
Response to a Successful Request
{
    "_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/6530824710046809304002/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/6530824710046809304002"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/6530824710046809304002/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "1653082470983"
    },
    "id": "6530824710046809304002",
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "100.00",
            "currency": "USD"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "002"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "002"
        },
        "card": {
            "type": "002"
        }
    },
    "pointOfSaleInformation": {
        "terminalId": "111111"
    },
    "processorInformation": {
        "approvalCode": "888888",
        "authIndicator": "1",
        "networkTransactionId": "123456789619999",
        "transactionId": "123456789619999",
        "responseCode": "100",
        "avs": {
            "code": "X",
            "codeRaw": "I1"
        }
    },
    "reconciliationId": "79710341A39WTT5W",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2022-05-20T21:34:31Z"
}
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