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Installment Payments {#sa-installment-payments}
===============================================

Your merchant ID must be enabled to process installment payments. You must specify the number of payments, the amount and frequency of each payment, and the start date for processing the payments. `Cybersource` creates a schedule based on this information and automatically bills the customer according to the schedule.

> Include the appropriate endpoint that supports the ` authorization,create_payment_token ` or ` sale,create_payment_token ` transaction types. See [Endpoints and Transaction Types](/docs/cybs/en-us/sa/developer/all/sa-checkout/secure-acceptance/sa-payment-txns/sa-endpoints-txn-types.md ""). For descriptions of all request and response fields, see [Checkout API Fields](/docs/cybs/en-us/sa/developer/all/sa-checkout/secure-acceptance/sa-wm-api-fields.md "").
> The amount field is an optional field that indicates the setup fee for processing recurring payments. To charge this fee, include the amount field and ensure that the transaction_type field is set to ` authorization,create_payment_token ` or ` sale,create_payment_token `.
> Example: Creating an Installment Payment and Token  
> **Request**

```
access_key=a2b0c0d0e0f0g0h0i0j0k0l0m0n0o0p2
profile_id=0FFEAFFB-8171-4F34-A22D-1CD38A28A384
transaction_type=authorization,create_payment_token
amount=5.00
locale=en
transaction_uuid=fcfc212e92d23be881d1299ef3c3b314
signed_date_time=2020-01-17T10:46:39Z
signed_field_names=reference_number,transaction_type,currency,amount,locale,payment_method,access_key,profile_id,transaction_uuid,signed_date_time,signed_field_names,unsigned_field_names,etc...
unsigned_field_names=comma separated list of unsigned fields
signature=WrXOhTzhBjYMZROwiCug2My3jiZHOqATimcz5EBA07M=
consumer_id=x23987456x // Replace x with 1
bill_to_forename=Joe
bill_to_surname=Smith
bill_to_email=joesmith@example.com
bill_to_address_line1=1 My Apartment
bill_to_address_state=CA
bill_to_address_country=US
card_type=001
card_number=411111111111xxxx // Replace x with 1
card_expiry_date=12-2022
card_cvn=005
recurring_frequency=monthly
recurring_number_of_installments=6
recurring_amount=25.00
recurring_start_date=20200125
payment_method=card
```

**Response**

```
transaction_id=3500311655560181552946
decision=ACCEPT
message=Request was processed successfully.
req_access_key=a2b0c0d0e0f0g0h0i0j0k0l0m0n0o0p2
req_profile_id=0FFEAFFB-8171-4F34-A22D-1CD38A28A384
req_transaction_uuid=55d895790bc4c8a0f4464f9426ba3b79
req_transaction_type=authorization,create_payment_token
req_reference_number=1350029885978
req_amount=5.00
req_currency=USD
req_locale=en
req_payment_method=card
req_consumer_id=x23987456x // Replace x with 1
req_recurring_frequency=monthly
req_recurring_number_of_installments=6
req_recurring_amount=25.00
req_recurring_start_date=20200125
req_bill_to_forename=Joe
req_bill_to_surname=Smith
req_bill_to_email=joesmith@example.com
req_bill_to_address_line1=1 My Apartment
req_bill_to_address_state=CA
req_bill_to_address_country=US
req_card_number=xxxxxxxxxxxx1111
req_card_type=001
req_card_expiry_date=12-2022
reason_code=100
auth_avs_code=U
auth_avs_code_raw=00
auth_response=0
auth_amount=100.00
auth_time==2022-08-14T134608Z
req_payment_token=CF2194C8A0F545CDE053AF598E0A20DA
signed_field_names=reference_number,transaction_type,currency,amount,locale,access_key,profile_id,transaction_uuid,signed_date_time,signed_field_names,etc...
signed_date_time=2022-10-12T08:39:25Z
signature=jMeHnWRKwU3xtT02j2ufRibfFpbdjUSiuWGT9hnNm00=
```

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