Pay in installments with Mastercard

Merchants using PayU payment page integration do not need to perform any additional action to offer "Pay in installments with Mastercard" service to the customers.

Click the button - you will be redirected to the PayU payment page.

For payment use any card described in the table Cards on sandbox as "Mastercard installments" = "yes". On the Payment status page, click Split into installments button.

For this purpose you have to retrieve order transaction data. If payment can be split into installments then card section will contain cardInstallmentProposal subsection with installment proposal identifier proposalId.

If the payment can be split into installments, then such possibility should be presented to the payer.

Installment proposal on the Sandbox environment is not related to the order amount and always returns data for 480 PLN.

For this purpose you should send GET request to /api/v2_1/card-installment-proposals/{proposalId}

Response will contain installment proposal with options in one out of two possible formats:

• VARYING_NUMBER_OF_OPTIONS – format with multiple installment options (1 to 12), single option to choose;
• VARYING_NUMBER_OF_INSTALLMENTS – format with single installment option, number of installments to choose.

Remarks:

Examples for order amount of 480 PLN:

• Format with multiple installment options (VARYING_NUMBER_OF_OPTIONS):

{
  "id": "2bd92572-d32f-4aa8-b486-be51629811e5",
  "cardScheme": "MC",
  "installmentOptionFormat": "VARYING_NUMBER_OF_OPTIONS",
  "currencyCode": "PLN",
  "installmentOptions": [
    {
      "id": "1",
      "interestRate": 5.4,
      "installmentFeeAmount": 1000,
      "annualPercentageRate": 17.93,
      "totalAmountDue": 49440,
      "firstInstallmentAmount": 16480,
      "installmentAmount": 16480,
      "numberOfInstallments": 3
    },
    {
      "id": "2",
      "interestRate": 5.2,
      "installmentFeeAmount": 1100,
      "annualPercentageRate": 13.05,
      "totalAmountDue": 49848,
      "firstInstallmentAmount": 8308,
      "installmentAmount": 8308,
      "numberOfInstallments": 6
    },
    {
      "id": "3",
      "interestRate": 5,
      "installmentFeeAmount": 1200,
      "annualPercentageRate": 9.64,
      "totalAmountDue": 50544,
      "firstInstallmentAmount": 4344,
      "installmentAmount": 4200,
      "numberOfInstallments": 12
    }
  ]
}
                

• Format with single installment option (VARYING_NUMBER_OF_INSTALLMENTS):

{
  "id": "9c0d357d-7f78-42d2-898b-1fc9b528ac63",
  "cardScheme": "MC",
  "installmentOptionFormat": "VARYING_NUMBER_OF_INSTALLMENTS",
  "currencyCode": "PLN",
  "minNumberOfInstallments": 6,
  "maxNumberOfInstallments": 12,
  "installmentOptions": [
    {
      "id": "1",
      "interestRate": 0,
      "installmentFeeAmount": 0,
      "annualPercentageRate": 0,
      "totalAmountDue": 48000
    }
  ]
}
                

In case when response contains installmentDecision section instead of presenting installment options you should inform the payer that request for payment in installments has been forwarded to card issuing bank. In case of further questions payer should directly contact card issuing bank in next working day.

Payer has 15 minutes to make selection.

To send back payer's decision you should send POST request to /api/v2_1/card-installment-proposals/{proposalId}/decisions with body containing data that uniquely identifies selected installment option:

{
  "optionId": "2",          // optional, required for VARYING_NUMBER_OF_OPTIONS format
  "numberOfInstallments": 9 // optional, required for VARYING_NUMBER_OF_INSTALLMENTS format
}
            

Payer's decision is visible in installmentDecision section when installment proposal is fetched again:

{
  "id": "5aff3ba8-0c37-4da1-ba4a-4ff24bcc2eed",
  (...)
  "installmentDecision": {
    "optionId": "3",
    "numberOfInstallments": 12,
    "createTime": "2021-03-05T12:58:14.828+01:00"
  }
}
                

In case of success response (HTTP 204 - NO CONTENT) you should inform the payer that request for payment in installments has been forwarded to card issuing bank. In case of further questions payer should directly contact card issuing bank in next working day.

In case of error response you should inform the payer that request for payment in installments has not been forwarded to card issuing bank but payment is successful and card will be charged with full order amount. Possible error responses can be found below.

Following error response will be returned when trying to retrieve card installment proposal or sending back payer's decision for installment proposal that does not exist:

Table below presents possible error codes and their descriptions: