Customer-Initiated Installment Payment with Enrollable
Network Tokens
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.
IMPORTANT
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. Using Enrollable Network Tokens
The
Token Management Service
can enroll certain network tokens
,
known as device tokens, into an instrument identifier token for future payments.
Device tokens
store and encrypt card-on-file information which enables
customers to make quick and easy purchases using their mobile device. When
authorizing a credentialed payment with a device token, you must create and store
the device token in a TMS
instrument identifier token. To
do this, include the device token information in the paymentInformation.tokenizedCard
fields and set the token creation
fields to create an instrument identifier token.Follow-on merchant-initiated transactions are performed using the created instrument
identifier as the payment information. For more information about how to request a
merchant-initiated transaction, see Merchant-Initiated Installment Payment with TMS.
Device tokens are also known as
digital payments
, digital wallets
, and
tokenized cards
.Network Token Types
In your request, include the
processingInformation.paymentSolution
field to identify the device
token type you are using, and set it to one of these possible values:- 001: Apple Pay
- 004:CybersourceIn-App Solution
- 005: Masterpass
- 006: Android Pay
- 007: Chase Pay
- 008: Samsung Pay
- 012: Google Pay
- 014: Mastercard credential-on-file (COF) payment network token
- 015: Visa credential-on-file (COF) payment network token
- 027: Click to Pay
- visacheckout:Visa Click to Pay.
Installment Payment Types
Visa Platform Connect
enables you to process installment payments but does not have
a role in setting the terms for the installment plan.Visa Platform Connect
enables you to process these types of installments payments:- Issuer-Funded Installment Payments
- 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. The customer pays the funding cost, which is a fee for paying in installments. In Brazil, aCrediariois a special type of issuer-funded installment payment plan that enables the customer to request information about the terms of the installment plan before approving the installment payments.
- Merchant-Funded Installment Payments
- 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.
- Co-Branded Merchant Financed Installment Payments—Brazil Only
- You and the issuer determine the terms for this kind of installment plan. The funding varies depending on the agreement between you, the issuer, and the customer. This funding method is available only for Mastercard installment payments in Brazil.
- Issuer Merchant Co-Financed Installment Payments—Brazil Only
- The issuer creates the installment plan. You and the issuer determine the service fees that the customer pays to you and the issuer. The acquirer is paid in full while the issuer is paid in installments by the customer. You or the customer pay the funding cost, which is a fee for paying in installments. This funding method is available only for Mastercard installment payments in Brazil.
Endpoint
Production:
POST
https://api.cybersource.com
/pts/v2/paymentsTest:
POST
https://apitest.cybersource.com
/pts/v2/paymentsRequired Fields for a CIT Installment Payment with
Enrollable Network Tokens
- paymentInformation.tokenizedCard.number
- Set to1.
- Set toTOKEN_CREATE.
- Set toinstrumentIdentifier.
- Set tointernet.
- Set to one of these possible values:
- 001: Apple Pay
- 004:CybersourceIn-App Solution
- 005: Masterpass
- 006: Android Pay
- 007: Chase Pay
- 008: Samsung Pay
- 012: Google Pay
- 014: Mastercard credential-on-file (COF) payment network token
- 015: Visa credential-on-file (COF) payment network token
- 027: Click to Pay
- visacheckout:Visa Click to Pay.
IMPORTANT
When relaxed requirements for address data and the expiration date are being used, not all fields
in this list are required. It is your responsibility to determine whether your
account is enabled to use this feature and which fields are required. For details
about relaxed requirements, see Relaxed Requirements for Address Data and Expiration Date in Payment Transactions.
Example: CIT Installment Payments with Enrollable Network
Tokens
Request
{ "processingInformation": { "actionList": [ "TOKEN_CREATE" ], "actionTokenTypes": [ "instrumentIdentifier" ], "commerceIndicator": "internet", "paymentSolution": "001" }, "paymentInformation": { "tokenizedCard": { "number": "4111111111111111", "expirationMonth": "02", "expirationYear": "2025", "transactionType": "1" } }, "orderInformation": { "amountDetails": { "totalAmount": "102.21", "currency": "USD" }, "billTo": { "firstName": "John", "lastName": "Smith", "address1": "123 Happy St", "locality": "Austin", "administrativeArea": "TX", "postalCode": "78757", "country": "US", "email": "test@cybs.com", "phoneNumber": "444-4444-4444" } } }
Response to a Successful Request
{ "_links": { "authReversal": { "method": "POST", "href": "/pts/v2/payments/7094060020036241803954/reversals" }, "self": { "method": "GET", "href": "/pts/v2/payments/7094060020036241803954" }, "capture": { "method": "POST", "href": "/pts/v2/payments/7094060020036241803954/captures" } }, "clientReferenceInformation": { "code": "1709406002076" }, "id": "7094060020036241803954", "orderInformation": { "amountDetails": { "authorizedAmount": "102.21", "currency": "USD" } }, "paymentAccountInformation": { "card": { "type": "001" } }, "paymentInformation": { "tokenizedCard": { "type": "001" }, "card": { "type": "001" } }, "pointOfSaleInformation": { "terminalId": "111111" }, "processorInformation": { "approvalCode": "888888", "networkTransactionId": "123456789619999", "transactionId": "123456789619999", "responseCode": "100", "avs": { "code": "X", "codeRaw": "I1" } }, "reconciliationId": "60616704ST7Q27K2", "status": "AUTHORIZED", "submitTimeUtc": "2024-03-02T19:00:02Z", "tokenInformation": { "instrumentidentifierNew": false, "instrumentIdentifier": { "state": "ACTIVE", "id": "7010000000016241111" } } }