After the initial CIT installment payment, subsequent installment payments are
merchant-initiated transactions (MITs).
When you submit an
installment transaction that does not meet the
American Express Direct
requirements for installment payments, American Express Direct processes the
transaction as a regular, non-installment transaction.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.Installment Payment Types
American Express Direct
enables you to process these types of installment payments:- Issuer Installments
- American Express refers to this arrangement as adeferred payment plan.The customer pays for goods or services using an installment plan agreed upon by the customer and their issuing bank. The issuer controls how the customer's account is debited. Your account is credited for the entire amount in a single transaction. The issuer assumes the risk and establishes credit rates and fees that are charged to the customer.
- Merchant Installments
- American Express refers to this arrangement as aPlan N.The customer pays for goods or services using an installment plan agreed upon by you and the customer. The issuer controls how the customer's account is debited. Your account is credited periodically for partial amounts as the customer's account is debited. You assume the risk and establish the credit rate and fees that are charged to the customer.
Supported Countries and Regions
This table describes the countries and regions
American Express Direct
supports the processing of installment payments, and the installment payment types
that are supported there.
Country and Region | Installment Payment Types | Currency |
---|---|---|
Argentina |
| ARS |
Asia Pacific |
| No restrictions. |
Australia |
| No restrictions. |
Mexico |
| MXN Payments must be 250 MXN or more. |
Supported Card Type
The American Express card type is supported for processing
CITs and MITs.
Endpoint
Set the
ccAuthService_run
field to
true
.Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.