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Merchant-Initiated Installment Payments with PAN

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.

Supported Card Types

These are the supported card types for processing credentialed transactions:

Discover

Mastercard

Visa

Endpoint

Production:

POST https://api.visaacceptance.com/pts/v2/payments

Test:

POST https://apitest.visaacceptance.com/pts/v2/payments

Required Fields for a Merchant-Initiated Subsequent Installment Payment

orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.administrativeArea
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.phoneNumber
orderInformation.billTo.postalCode
paymentInformation.card.expirationMonth
paymentInformation.card.expirationYear
paymentInformation.card.number
processingInformation.authorizationOptions. initiator. merchantInitiatedTransaction. previousTransactionID
processingInformation. authorizationOptions. initiator. storedCredentialUsed: Set the value to
true
.
processingInformation. authorizationOptions. initiator. type: Set the value to
merchant
.
processingInformation. commerceIndicator: Set the value to
install
.

REST Example: Merchant-Initiated Subsequent Installment Payment

Request

{
    "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": "[email protected]"
        },
        "amountDetails": {
            "totalAmount": "100.00",
            "currency": "ABC"
        }
    },
    "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": "ABC"
        }
    },
    "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"
}