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How to Process a Installment Payment

This workflow describes the sequence of events that comprise a successful installment payment.

Figure:

Installments Payment Workflow
  1. The customer begins to checkout on the merchant website and inputs their payment credentials in one of three ways:
    • Enters their primary account number (PAN) information.
    • Enters their primary account reference (PAR) information.
    • Chooses a credential-on-file (COF).
  2. The merchant sends a get installment plans API request to
    Cybersource
     with the customer's PAN, PAR, or token information. See Get Installment Plans.
  3. Cybersource
     sends the merchant a list of installment plan options that include plan IDs.
  4. The merchant displays the list of installment plan options to the customer.
  5. The customer selects an installment plan.
  6. The merchant sends an authorization API request for the full amount of the customer's purchase using the payment information that the customer provided.
  7. Cybersource
     sends the merchant an
    AUTHORIZED
     status and either an authorization code or an NTID.
  8. The merchant sends a select installment plan API request to
    Cybersource
     to link the authorization to the chosen installment plan. The merchant includes either the authorization code or NTID from the authorization response and the chosen installment plan ID in the request. See Select Installment Plan.
  9. Cybersource
     sends an
    ACCEPTED
     status to the merchant as confirmation that the selected plan was approved.
  10. The merchant sends a capture API request to
    Cybersource
     to complete the payment.
  11. Cybersource
     sends a
    PENDING
     status to the merchant.