Authorize an Installment Payment with Japanese Payment Options {#payments-jpo-auth-installment}
===============================================================================================

This section shows you how to process an authorization of an installment payment with Japanese Payment Options (JPO).

Limitations
-----------

* The only supported acquirer is Sumitomo Mitsui Card Co.
* The payment must use a Visa payment card.

Prerequisites
-------------

* You have signed a contract with your acquirer.
* You have contacted your account provider for details about contracts and funding cycles. The funding cycle could differ when using JPO.
* Card holders who want to use JPO have signed a contract with an issuing bank.
* You have confirmed payment option availability with your account provider and card holder before implementing one of these payment options.

Endpoint {#payments-jpo-auth-installment_d7e16}
-----------------------------------------------

**Production:** `POST ``https://api.cybersource.com``/pts/v2/payments`{#payments-jpo-auth-installment_d7e25}  
**Test:** `POST ``https://apitest.cybersource.com``/pts/v2/payments`{#payments-jpo-auth-installment_d7e35}

Required Fields for Authorizing a JPO Installment Payment {#payments-jpo-auth-installment-reqfields}
====================================================================================================

Use these required fields for authorizing a JPO installment payment.

> 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](/docs/cybs/en-us/payments/developer/ctv/rest/payments/payments-relax-reqs.md "").

[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.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 "")
:

[paymentInformation.card.type](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-type-a.md "")
:

[processingInformation.japanPaymentOptions.businessName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-japan-payment-ops-business-name-a.md "")
:
Business name in kanji characters.

[processingInformation.japanPaymentOptions.businessNameAlphaNumeric](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-japan-payment-ops-business-name-al.md "")
:

[processingInformation.japanPaymentOptions.businessNameKatakana](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-japan-payment-ops-business-name-ka.md "")
:

[processingInformation.japanPaymentOptions.firstBillingMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-japan-payment-ops-first-billing-mo.md "")
:
If you do not specify this field, it is set by default to the number of the next month.

[processingInformation.japanPaymentOptions.installments](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-japan-payments-ops-installments.md "")
:
Number of monthly payments.

[processingInformation.japanPaymentOptions.paymentMethod](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-japan-payment-ops-payment-method.md "")
:
Set the value to `61`.

[processingInformation.japanPaymentOptions.terminalId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-japan-payments-ops-terminal-id.md "")
:
Required for card-present transactions. Unique Japan Credit Card Association (JCCA) terminal identifier that is provided by `Cybersource`.

Related Information
-------------------

* [API field reference guide for the REST API](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/api-fields/topics/rest-api-fields-intro.dita "")

REST Example: Authorizing a JPO Installment Payment {#payments-jpo-auth-installment-ex-rest}
============================================================================================

Request

```keyword
{
    "orderInformation": {
        "billTo": {
            "country": "US",
            "lastName": "Kim",
            "address1": "201 S. Division St.",
            "postalCode": "48104-2201",
            "locality": "Ann Arbor",
            "administrativeArea": "MI",
            "firstName": "Kyong-Jin",
            "email": "test@cybs.com"
        },
        "amountDetails": {
            "totalAmount": "100.00",
            "currency": "jpy"
        }
    },
    "paymentInformation": {
        "card": {
            "expirationYear": "2031",
            "number": "4111111111111111",
            "expirationMonth": "12",
            "type": "001"
        }
    },
    "processingInformation": {
        "japanPaymentOptions": {
            "businessName": "我社",
            "businessNameAlphaNumeric": "OurStore",
            "businessNameKatakana": "わが社の場合",
            "firstBusinessMonth": "04",
            "installments": "12",
            "paymentMethod": "31"
        }
    }
}
```

Response to a Successful Request

```
{
  "_links" : {
    "authReversal" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/6843585327946622203059/reversals"
    },
    "self" : {
      "method" : "GET",
      "href" : "/pts/v2/payments/6843585327946622203059"
    },
    "capture" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/6843585327946622203059/captures"
    }
  },
  "clientReferenceInformation" : {
    "code" : "RTS-Auth"
  },
  "id" : "6843585327946622203059",
  "orderInformation" : {
    "invoiceDetails" : {
      "salesSlipNumber" : "56311"
    },
    "amountDetails" : {
      "authorizedAmount" : "100",
      "currency" : "jpy"
    }
  },
  "paymentAccountInformation" : {
    "card" : {
      "type" : "001"
    }
  },
  "paymentInformation" : {
    "tokenizedCard" : {
      "type" : "001"
    },
    "card" : {
      "type" : "001"
    }
  },
  "processorInformation" : {
    "salesSlipNumber" : "56311",
    "approvalCode" : "123456",
    "cardVerification" : {
      "resultCode" : "3"
    },
    "responseCategoryCode" : "000",
    "forwardedAcquirerCode" : "Sumitomo",
    "avs" : {
      "code" : "2"
    }
  },
  "reconciliationId" : "0020230518062213000000000001",
  "status" : "AUTHORIZED",
  "submitTimeUtc" : "2023-05-17T21:22:13Z"
}
```