Card Installments

Only for Romanian Market

Card installments are a form of payment intended for the Romanian market. If you are interested in this form of payment, please contact a PayU representative.

PayU supports card installment payments for Romanian Market, allowing buyers to split the total order amount into multiple installments. This feature helps merchants increase conversion rates by offering flexible payment options while ensuring that only valid installment plans are presented to buyers based on their card details.

You can offer card installments both when sending orders from your own checkout page and when using the PayU Payment Page.

When sending an order from your checkout page, you must first retrieve the available installment plans and the number of installments based on the card's BIN (Bank Identification Number). To obtain installment data for a specific card BIN, either use the dedicated API or enable the corresponding flag in the Secure Form.

For PayU Payment Page-based payments, merchants can configure filters to limit the installment options available under specific programs. Once the buyer enters the card's BIN into the payment form, only the applicable installment options for that card are displayed.

Sending Order from Checkout Page

When sending an order from your checkout page, card installment options can be used whether or not you are using the Secure Form. However, before placing the order, you must retrieve the available installment options for the specific card BIN (Bank Identification Number).

Retrieve Available Installment Options

You can retrieve the available installment options using two methods:

Secure Form,
API (if you do not use the secure form).

Retrieving Installments Options with Secure Form

To retrieve the available number of installments when using the secure form, you should set the "enableInstallments": true flag within the cards options upon initializing the form.

Example of Cards Options in the Secure Form:
{
  "style": {
    "basic": {
      "fontSize": "18px"
    }
  },
  "enableInstallments": true
}

After the buyer enters the first 10 digits of their card BIN, an installmentsChange event is triggered. The event payload contains the available installment plans and the permitted number of installments for the provided BIN.

Example Payload of the installmentsChange Event
{
  "numbers": [1, 2, 4, 6, 8, 12],
  "provider": "BRD_INSTALLMENTS",
  "settings": {
    "minAmount": 60000
  }
}

Optional settings

The settings object is optional. Currently, it can specify the minAmount for a given installment plan. If you include installment data in the order but the total order amount is equal to or below the defined minAmount, the order will be rejected.

You are responsible for displaying an appropriate form that allows the user to select their desired installment option.

Retrieving Installments Options with API

If you are not using the Secure Form, you must retrieve card installment data through the dedicated API endpoint: /api/front/card-installments-options. The request body must include at least the first 10 digits of the card BIN and your POS ID.

Example Payload for Retrieving Installments Options with API
{
  "cardBin": "5364477839",
  "posId": "pg203018"
}

Example Response
{
  "numbers": [1, 6, 12, 20, 21, 22, 23, 24],
  "provider": "BRD_INSTALLMENTS",
  "settings": {
    "minAmount": 60000
  }
}

Optional settings

Creating new Order with Installments

To create an order and process the payment, you must include the cardInstallments section within the payMethod object in the request body. The payment must be performed using a card token.

Example payMethods Section for Creating an Order with Installments
{
  "payMethods": {
    "payMethod": {
      "amount": 245,
      "currencyCode": "RON",
      "type": "CARD_TOKEN",
      "value": "TOKC_TB4P9IBWFOCOUS1REDFK75S1XCK",
      "cardInstallments": {
        "provider": "STAR_BT",
        "number": 12
      }
    }
  }
}

Sending Order from Payment Page

If you use the PayU Payment Page to handle payments, the page automatically displays the available installment options after the buyer enters the first 10 digits of their card BIN (Bank Identification Number).

You can, however, filter the installment options available under specific programs. To do this, add the cardInstallmentsOptions section to the settings object. Once the filters for a particular program are defined, the displayed options will represent the intersection of the available installments for the provided BIN and the filters you have configured.

Example Request with Filtered Options
{
  "settings": {
    "cardInstallmentsOptions": {
      "ALPHABANK_INSTALLMENTS": [1, 3, 5, 7, 9, 11, 13],
      "RAIFFEISEN": [1, 6, 12],
      "STAR_BT": [6, 20, 21]
    }
  }
}

Sending Order from Checkout Page​

Retrieve Available Installment Options​

Retrieving Installments Options with Secure Form​

Retrieving Installments Options with API​

Creating new Order with Installments​

Sending Order from Payment Page​

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