Installments

This feature divides the total price to pay into several smaller, equal amounts due to pay over an agreed period of time, instead of requiring the customer to pay everything up front in a single payment. This method is widely used in LATAM markets and allows customers to have greater flexibility, but its implementation depends on card support availability and must comply with regional regulations.

Below are the available card brands that support installments in each country

Quote ID generation

When implementing installments in Argentina and Chile markets, it will be mandatory to fulfill the quote_id value on the API installments requests so transactions can be processed correctly. This field is used to calculate interest rates, taxes and other requirements prior to a payment authorization.

Interest fees calculations For this process we count with two alternatives for merchants and partners, depending on their needs:

• Calculated by User: The merchant calculates the interest fees externally and informs the API through the amount field. On API calls the quote_id must be generated under no_interest
• Calculated by GetNet: The merchant relies on GetNet’s interest fees calculations that count with up-to-date issuer/government information and therefore won’t have to do them externally. On API calls the quote_id must be generated under with_interest.

Argentina Installments

For Argentina there are two main types of installments options offered at country level, and can only be processed with national or domestic cards:

• Issuer plans: Base installment plans are offered by the Issuer/Banks.
• Government plans (Cuota Simple / Plan Ahora): Option offered by the Argentinian government usually at lower interest fees than the Issuer plan.

Below are the possible API plan values by card brand in Argentina

Brazil Installments

For Brazil there are two main types of installments options offered at country level:

• Issuer plans (Parcelado Emissor): The merchant will settle the transaction only once and the cardholder will pay the total amount and any corresponding fees applied afterwards.
• Merchant installments (Parcelado Lojista): The merchant will settle the installments transactions month by month (D+30) including MDR and discount fees, and the cardholder will pay the amount without any interest fees.

Below are the possible API plan values by card brand in Brazil

Chile Installments

For Chile there are two main types of installments options offered at country level:

• Issuer plans: Base installment plans are offered by the Issuer/Banks with options that come within a range from 2 to 48. The merchant will settle the transaction only once and the cardholder will pay the total amount and any corresponding fees applied afterwards.
• Merchant installments (Cuota Comercio): No fees plan offered by the merchant with options that come within a range from 2 to 12. The merchant will settle the transaction multiple times, depending on the selected plan.

Below are the possible API plan values by card brand in Chile

Mexico Installments

For Mexico there are only one type of installments option offered at country level, and to be available for the merchant, it requires to be activated and contracted during the onboarding process:

• MSI (Meses sin interés): Base installment plans are offered by PROSA in which the customer's personal bank is responsible for collecting payments, while the merchant will receive a unique settlement that includes any deducting fees.

Below are the possible API plan values by card brand in Mexico

Uruguay Installments

For installment-based transactions in Uruguay, two conditions must be met in the authorization request. The transaction_type property—found in the payments object within the data section of the request body—must be set to "FULL". While other values like "INSTALL_NO_INTEREST" and "INSTALL_WITH_INTEREST" are supported in other markets, only "FULL" is valid for Uruguay.

In addition, an installment object must be included within the additional_data section. This object must contain the following properties:

• type: Identifier representing the type of credit.
• schema: Code that groups credits by category. This value is always fixed as "Q" in the response.
• number: Number of installments available for the credit. Possible values range from 1 to 12 (in exceptional cases, up to 24 installments may be available through specific commercial agreements).
• code: Unique code associated with the specific credit offer. This value is always fixed as "00" in the response.

The values for these fields must be obtained in advance from the POST service /dpm/payments-gwproxy/v2/payments/quotes.

Example:

"additional_data": {
  "installment": {
    "schema": "Q",
    "type": "00",
    "code": "00",
    "number": 2
  }
}

Observations when using the Installment API

Initial request

The GetNet Api expects to receive the following details in the request:

• amount: Total amount to be paid.
• bin: First 6 or 9 digits of the card (preferably 9; in Uruguay's case, 16 digits are required).
• installment_type_filter: Optional property that can only have two possible values: no_interest or with_interest.

Response

You’ll need to extract the following properties received in the HTTP 201 Created response body to be used in the next step:

• quote_id
• schema

For more details, see the API reference

Creating a payment

Once the customer has selected their preferred quote, the GetNet Api expects to receive the following details in the payment request body:

• data: First level object.
• additional_data: Second level object (inside data).
• installment: Third level optional object (inside additional_data) where quote_id and schema must be mandatorily placed. If installment object is included, the payment will be made according to the previously defined number of installments, otherwise the payment will be made in a single installment.