Customer-Initiated Installment Payments with PAN

An installment payment is a single purchase of goods or services billed to a customer in multiple transactions over a period of time agreed to by you and the customer, and sometimes, the issuing bank. The agreement enables you to charge a specific amount at specified intervals. For customers, installment payments provide greater purchasing power and lower impact on their monthly budget. For you, offering installment payments at checkout can help increase the number of successfully completed purchases.

Before you can accept installment payments, you and your acquirer must agree on the maximum number of installments you can accept, which can be different for each card type.

Do not use this document if you are using the Installments service. When using the Installments service, Cybersource saves and stores payment credentials for installment transactions, ensuring compliance with COF best practices.

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.

Installment Payment Types

American Express Direct enables you to process these types of installment payments:

Issuer Installments: American Express refers to this arrangement as a deferred 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 a Plan 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 for processing installment payments, and the installment payment types that are supported there.

Supported Countries and Regions
Country and Region	Installment Payment Types	Currency
Argentina	Issuer Installments Merchant Installments	ARS
Asia Pacific	Issuer Installments	No restrictions.
Australia	Issuer Installments	No restrictions.
Mexico	Issuer Installments Merchant Installments	MXN Payments must be 250 MXN or more.

Supported Card Type

The American Express card type is supported for processing credentialed transactions.

Endpoint

Set the

ccAuthService_run

field to

true

Send the request to

https://ics2ws.ic3.com/commerce/1.x/transactionProcessor

Successful Response

You must store the network transaction ID
from the successful response message to include in subsequent MIT authorization requests in order to associate the CIT to the MIT. The network transaction ID is the

ccAuthReply_paymentNetworkTransactionID

field value.

Store the network transaction ID
, which is the

ccAuthReply_paymentNetworkTransactionID

field value, from the successful response message. You must include the network transaction ID in subsequent MIT authorization requests in order to associate the CIT to the MIT.

Required Fields for Initial Customer-Initiated Installment Payments with a PAN

Include these required fields to authorize an initial customer-initiated installment payment using a PAN.

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
card_expirationMonth
card_expirationYear
ccAuthService_commerceIndicator: Set the value to
internet
,
MOTO
, or a payer authentication value.
ccAuthService_run: Set the value to
true
.
merchantID
merchantReferenceCode
purchaseTotals_currency
purchaseTotals_grandTotalAmount
subsequentAuthFirst: Set the value to
true
.
subsequentAuth: Set the value to
false
.

Card-Specific Fields for Authorizing Initial Installment Payments

Use this required field if you are authorizing an initial installment payment using the card type referenced below.

Mastercard: subsequentAuthReason; Set the value to
9
.

Simple Order Example: Authorizing Initial Customer-Initiated Installment Payments with a PAN

Request

123456789101112131415161718
billTo=Foster City
billTo_country=US
billTo_email=null@cybersource.com
billTo_firstname=John
billTo_lastname=Smith
billTo_state=CA
billTo_postalCode=94404
billTo_street1=201 S. Division St.
card_expirationMonth=12
card_expirationYear=2031
card_accountNumber=4111111111111111
ccAuthService_run=true
ccAuthService_commerceIndicator=internet
merchantId=pa_ctv_sg101
merchantReferenceCode=33557799
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=100.00
subsequentAuth=false=true

Response to a Successful Request

123456789101112
additional=e1cdcafc-cdbb-4ef7-8788-a1234e844805
request_id=6461515866500167772420
decision=ACCEPT
reasonCode=100
merchantReferenceCode=Merchant_REF
purchaseTotals_currency=mxn
cardCategory=FccAuthService_reconciliationID=ZUDCXJO8KZRFXQJJ
ccAuthReply_amount=100.00
ccAuthReply_avsCode=5
ccAuthReply_authorizationCode=570110
ccAuthReply_processorResponse=1
ccAuthReply_authorizedDateTime=2022-03-01T161947Z=111222