On This Page {#jumplink-list} [Markdown](/docs/cybs/en-us/payments/developer/ctv/rest/payments/credentials-processsing-intro/credentials-install-intro/credentials-mit-install-subsequent-intro.md) Filter FILTER BY TAG Merchant-Initiated Installment Payments with PAN {#credentials-mit-install-subsequent-intro} ============================================================================================ 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. 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, a *Crediario* is 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. Supported Card Types -------------------- These are the supported card types for processing credentialed transactions: * American Express{#credentials-mit-install-subsequent-intro_d7e280} {#credentials-mit-install-subsequent-intro_d7e280} * Carta Si{#credentials-mit-install-subsequent-intro_d7e283} {#credentials-mit-install-subsequent-intro_d7e283} * Cartes Bancaires{#credentials-mit-install-subsequent-intro_d7e286} {#credentials-mit-install-subsequent-intro_d7e286} * Dankort{#credentials-mit-install-subsequent-intro_d7e289} {#credentials-mit-install-subsequent-intro_d7e289} * Delta{#credentials-mit-install-subsequent-intro_d7e292} {#credentials-mit-install-subsequent-intro_d7e292} * Eurocard{#credentials-mit-install-subsequent-intro_d7e296} {#credentials-mit-install-subsequent-intro_d7e296} * JCB{#credentials-mit-install-subsequent-intro_d7e299} {#credentials-mit-install-subsequent-intro_d7e299} * Maestro (UK Domestic){#credentials-mit-install-subsequent-intro_d7e302} {#credentials-mit-install-subsequent-intro_d7e302} * Mastercard{#credentials-mit-install-subsequent-intro_d7e305} {#credentials-mit-install-subsequent-intro_d7e305} * Visa{#credentials-mit-install-subsequent-intro_d7e308} {#credentials-mit-install-subsequent-intro_d7e308} * Visa Electron{#credentials-mit-install-subsequent-intro_d7e311} {#credentials-mit-install-subsequent-intro_d7e311} Endpoint {#credentials-mit-install-subsequent-intro_d8e16} ---------------------------------------------------------- **Production:** `POST ``https://api.cybersource.com``/pts/v2/payments`{#credentials-mit-install-subsequent-intro_d8e25} **Test:** `POST ``https://apitest.cybersource.com``/pts/v2/payments`{#credentials-mit-install-subsequent-intro_d8e35} Required Fields for a Merchant-Initiated Subsequent Installment Payment {#credentials-mit-install-reqfields} ============================================================================================================ [orderInformation.amountDetails.currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-currency.md "") : [orderInformation.amountDetails.totalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-total-amount.md "") : [orderInformation.billTo.address1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-address1.md "") : [orderInformation.billTo.administrativeArea](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-admin-area.md "") : [orderInformation.billTo.country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-company-country.md "") : [orderInformation.billTo.email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-email.md "") : [orderInformation.billTo.firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-first-name.md "") : [orderInformation.billTo.lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-last-name.md "") : [orderInformation.billTo.locality](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-locality.md "") : [orderInformation.billTo.phoneNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-phone-num.md "") : [orderInformation.billTo.postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-postal-code.md "") : [paymentInformation.card.expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-mo.md "") : [paymentInformation.card.expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-year.md "") : [paymentInformation.card.number](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-number.md "") : 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](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-auth-ops-initiator-sc-used.md "") : Set the value to `true`. [processingInformation. authorizationOptions. initiator. type](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-auth-ops-initiator-type.md "") : Set the value to `merchant`. [processingInformation. commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-commerce-ind.md "") : Set the value to `install`. Country-Specific Required Fields for Installment Payments with Mastercard or Visa Card {#credentials-mit-install-country-fields} ================================================================================================================================ 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](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-plan-type.md "") : [installmentInformation.totalCount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-total-count.md "") : [processingInformation.commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-commerce-ind.md "") : Brazil ------ Include these required fields for payments using either a Mastercard or Visa card in Brazil. [buyerInformation.companyTaxId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/buyer-info-aa/buyer-info-company-tax-id.md "") : [buyerInformation.personalIdentification\[\].id](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/buyer-info-aa/buyer-info-personal-id-id.md "") : [installmentInformation.planType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-plan-type.md "") : [installmentInformation.totalCount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-total-count.md "") : [orderInformation.billTo.phoneNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-phone-num.md "") : [processingInformation.loanOptions.type](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-loan-ops-type.md "") : Chile ----- Include these required fields for payments using either a Mastercard or Visa card in Chile. [installmentInformation.planType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-plan-type.md "") : [installmentInformation.totalCount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-total-count.md "") : [processingInformation.commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-commerce-ind.md "") : Croatia ------- Include these required fields for payments using either a Mastercard or Visa card in Croatia. [installmentInformation.planType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-plan-type.md "") : [merchantInformation.taxId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/merch-info-aa/merch-info-tax-id.md "") : Georgia ------- Include these required fields for payments using either a Mastercard or Visa card in Georgia. [installmentInformation.amount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-amount-a.md "") : [installmentInformation.firstInstallmentAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-first-installment-amount.md "") : [installmentInformation.monthlyInterestRate](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-monthly-interest-rate.md "") : [installmentInformation.planType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-plan-type.md "") : [installmentInformation.totalCount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-total-count.md "") : Greece ------ Include these required fields for payments using either a Mastercard or Visa card in Greece. [installmentInformation.gracePeriodDuration](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-grace-period-duration-a.md "") : [installmentInformation.gracePeriodDurationType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-grace-period-duration-type.md "") : [installmentInformation.planType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-plan-type.md "") : [installmentInformation.totalCount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-total-count.md "") : 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](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-amount-a.md "") : [installmentInformation.paymentType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-payment-type.md "") : [installmentInformation.planType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-plan-type.md "") : [processingInformation.commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-commerce-ind.md "") : Paraguay -------- Include this required field for payments using either a Mastercard or Visa card in Paraguay. [installmentInformation.planType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-plan-type.md "") : Peru ---- Include this required field for payments using either a Mastercard or Visa card in Peru. [installmentInformation.planType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-plan-type.md "") : India-Specific Required Fields for Installment Payments {#credentials-install-mit-required-country} =================================================================================================== This section shows the required fields for Diners Club, Mastercard, and Visa in India. Diners Club and Mastercard -------------------------- Use these fields for authorizing an MIT installment payment when processing payments through `Visa Platform Connect`. [installmentInformation.amount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-amount-a.md "") : [installmentInformation.frequency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-frequency.md "") : Required only for the first MIT installment payment. [installmentInformation.identifier](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-identifier.md "") : [installmentInformation.paymentType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-payment-type.md "") : [installmentInformation.sequence](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-sequence.md "") : installmentInformation.validIndicator : Visa ---- Use this field for authorizing a MIT installment payment when processing payments through `Visa Platform Connect`. [installmentInformation.identifier](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/installment-info-aa/installment-info-identifier.md "") : REST Example: Authorizing Merchant-Initiated Subsequent Installment Payments {#credentials-mit-install-ex-rest} =============================================================================================================== Request ```keyword { "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@cybs.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" } ``` RELATED TO THIS PAGE