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Therefore the credentialOnFile has been extended with type=installments and a few attributes describing the installment payment.

Scenario – Installment Payments

• You offer your customers payment by credit card based on installment payments

• Customers agrees installment payment based on a total amount and a number of installment payments.

• You use the pseudo card number to store and reuse the card data

• IMPORTANT: The following initial payment is subject to the liability shift for you as a merchant. In the case of the subsequent payment, however, this expires, so that there is no liability shift.

  credentialOnFile has been extended with type=installments and a few attributes describing the installment payment.

Credentials on File (CoF) – Initial Installment Payment

• Applies to PaySSL.aspx + PayNow.aspx

• 3-D Secure is mandatory

• Necessary adjustments:

  • Example:

    • JSON object credentialOnFile with JSON parameter installment (3 keys included)

    • JSON object credentialOnFile with JSON parameter initialPayment and the value "true"

    • the amount used for the initial payment request is the amount authorized for 1st installment payment

    • Example Initial Subscription Payment for 3 installment payments with a total amount of 100,00 (EUR):

{
  "type": {
    "installments": {
      "total": 3,
      "curIdx": 1,
      "purchaseAmount": 10000
    }
  },
  "initialPayment": true
}

Credentials on File (CoF) – Subsequent Installment Payment

• Applies to installment.aspx

• 3-D Secure is NOT mandatory

• Necessary adjustments:

  • Example:

    • The PayId from the initial payment is required for each subsequent installment payment.
    • Please always send the schemereferenceID from the initial payment so that the downstream systems can link the two transactions accordingly.

    • JSON object credentialOnFile with JSON parameter recurring (3 keys included)

    • JSON object credentialOnFile with JSON parameter initialPayment and value "false"

    • the total purchase amount (purchaseAmount) and total number of installment payments (total) remain the same, the current index increases with each authorization.
    • the amount used for the subsequent payment request is the amount authorized for subsequent installment payment

    • Example Subsequent Subscription Payment:

{
  "type": {
    "installments": {
      "total": 3,
      "curIdx": 2,
      "purchaseAmount": 10000
    }
  },
  "initialPayment": false
}