Payment installment
General information
When making a payment using payment cards, if customers cannot pay the entire amount at once, they can make the payment in installments. To do this, on the payment page, a customer selects the period during which the full payment amount will be deposited. The amount of the first part of the payment, which is actually debited from the card, is automatically calculated and displayed to the customer on Payment Page. After receiving a request to debit the first part of the installment payment, the issuing bank or other financial organisation that issued the card pays the full amount of the payment to the payment system. The remaining parts of the payment are debited by the issuing bank from the card according to the schedule selected by the customer.
For information about enabling this functionality, please contact your ecommpay key account manager.
Installment payment processing
To perform an installment payment by using Payment Page, the merchant web service should send a request with all the required parameters and signature to the ecommpay URL and get the callback with the payment result from the payment platform.
Figure: Example of the Payment Page opening request
https://paymentpage.ecommpay.com/payment?signature=%2B4ThxSAxCKGnQQsBtlYhQvpeHGQ1baXSb3PxlGgg5KzgJcdtqI4TBKQ7KA7hGQpN783%2BcKiVvco0Fq4PWvgffA%3D%3D&payment_id=_TEST_1577767369308&payment_amount=1000&payment_currency=TRY&project_id=238If required, you can also add any other additional parameters Payment Page supports. For information about all available parameters, see Parameters for opening payment form.
After opening the Payment Page and selecting the payment method on the data entry page, the customer selects the number of months during which they will make the entire payment amount. Acceptable values are provided to the customer in the drop down list: 1, 3, 6, 9, 12. By default, the value is set to 1.
Also, the number of installment months can be pre-selected for the customer on Payment Page. To do this, pass the customer_installment_count parameter in the opening request.
Figure: Installment period selection on Payment Page
After selecting the installment period on Payment Page, the payment amount is automatically recalculated, and only the first amount part of the payment is debited from the card.
Then the payment request specifying the full payment amount and the number of installment months is passed from the ecommpay payment platform to the payment system. The payment system sends payment data to the issuing bank, receives the full payment amount from the bank, and sends a notification of payment to the ecommpay payment platform. The payment platform sends the callback to the web service with the payment result and the data on the installment payment, for more information, see Callbacks.