Installments
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Installments is a flexible payment solution that allows customers to pay for products or services over time in monthly installments. This service is offered in partnership with Amazon Payment Services and leading banks and credit card providers.
When a customer selects Installments, the full transaction amount is charged to their credit card at the time of purchase. However, the customer's bank collects the monthly installment payments directly from the cardholder. This means merchants receive the full payment upfront, while customers enjoy the convenience of paying over time.
Currently, Installments is available in Egypt, KSA, and UAE, where supported partner banks offer this option.
Integration Methods
Choose the integration method that best fits your business needs:
Through Hosted Checkout
Display installment options directly within the payment page. Standalone Installments or Redirect customers to a dedicated installments page.
Through Custom Integration
You can control over which plans are shown, and eligibility is determined by comparing the BIN with those returned via API.
Through Payment Links
Use installments with payment links without additional technical efforts.
Through Hosted Checkout
You can integrate installments into hosted checkout in two ways:
- Easy Installments – Display installment options directly within the payment page.
- Standalone Installments – Redirect customers to a dedicated installments page.
Easy Installments
No additional parameters are required for Easy Installments. When the customer's card and transaction amount meet the eligibility criteria, the installment option automatically appears on the payment page. Customers can select the installment option, view eligible plans, and complete the purchase seamlessly.
The transaction amount must be within the minimum and maximum limits set by the bank, and the customer's card must be eligible.
Standalone Installments
To enable standalone installments, add additional parameter to your hosted checkout request which is installments: STANDALONE, flagging the transaction as installments and redirecting the customer to a dedicated standalone installments page.
The standalone installments page is not customizable.
Through Custom Integration
The custom integration installments option allows you to display eligible installment plans based on the customer's card BIN. You can control over which plans are shown, and eligibility is determined by comparing the BIN with those returned via API.
To integrate installments through Custom Integration, you need to follow three steps:
Get installment plans
Amazon Payment Services provides a dedicated API that allows you to retrieve all installment plan details based on the configuration set in your account.
API endpoints
https://sbpaymentservices.PayFort.com/FortAPI/paymentApi
Request Sample
{
"access_code":"snY06NFjuS9oDRue8O3C",
"query_command":"GET_INSTALLMENTS_PLANS",
"merchant_identifier":"dUJRUAQO",
"language":"en",
"signature":"0b9877cd04ef760c9b52aa64047f1cbf436bde621b9c71f6d0d5518f846f06fe"
}
Response Example
{
"response_code": "20000",
"response_message": "Success",
"signature": "7cad05f0212ed933c9a5d5dffa31661acf2c827a",
"merchant_identifier": "CycHZxVj",
"access_code": "zx0IPmPy5jp1vAz8Kpg7",
"language": "en",
"service_command": "GET_INSTALLMENTS_PLANS",
"installment_detail": {
"issuer_detail": [
{
"issuer_code": "ADCB",
"issuer_name_en": "Abu Dhabi Commercial Bank",
"issuer_name_ar": "بنك أبوظبي التجاري",
"issuer_logo_en": "https://paymentservices.amazon.com/docs/logos/adcb_en.png",
"issuer_logo_ar": "https://paymentservices.amazon.com/docs/logos/adcb_ar.png",
"bin_details": [
{
Tokenization
After you call GET_INSTALLMENTS_PLANS API, and the customer chooses the installments plan, you will submit the TOKENIZATION request to proceed through the payment, follow the steps outlined Custom Integration Section without any additional parameters in tokenization request.
if you are integrating through PCI certified channel, you will submit the PURCHASE API request directly by following the steps outlined Custom Integration Section and adding the installments parameters which are "installments": "HOSTED", "issuer_code": "" and "plan_code": "".
Operation
After successful tokenization request, you will need to send PURCHASE request by following the steps outlined Custom Integration Section and submitting the token_name received from a tokenization step and the installments parameters which are "installments": "HOSTED", "issuer_code": "" and "plan_code": "" that will be returned in the response of GET_INSTALLMENTS_PLANS API as per the customer selection.
AUTHORIZATION is not supported for installments, you can only use PURCHASE command.
Refer to the API reference for more details.
To calculate the signature, please check the Signature Calculation section.
Through Payment Links
Merchants can use installments with payment links seamlessly without any additional configuration. When the installments service is active on your account and the transaction amount is within the configured limits, installment options will automatically appear for eligible customers.
No additional parameters or technical implementation are required for payment links with installments. When a customer accesses a payment link and their card meets the eligibility criteria, the installment option automatically appears on the payment page. Customers can select the installment option, view eligible plans, and complete the purchase seamlessly.
Check transaction status
To check the transaction status, check the Check a Transaction Status section.
Handling the response
If you have a webhook, check the webhook section to understand how we send transaction responses to your system.
Go Live
Test your installments integration using our test card numbers and make sure to visit our go-live checklist to go live with your integration.
You can visualize Installments experience by checking our prototypes:
Support
Need assistance with installments implementation? Contact our technical support team at merchantsupport-ps@amazon.com.