Installment Payment programs are supported for merchants in select geographic locations. These programs allow the cardholder to select the terms and the number of payments. The merchant’s transaction settles for the full authorized amount, but the cardholder is billed according to the installment agreement. The  CreditIPQuery transaction is used to query or obtain installment terms available to the cardholder, where applicable.

The IPSelectedTerms data block is included in a  CreditAuth or  CreditSale request to indicate the installment terms selected by the cardholder. Installment Plans are supported for merchants in one of the following locations. Refer to the sections below for usage and restrictions by location. 

Only specific fields should be provided, based on the location of the merchant.

• Asia Pacific
• Canada
• Mexico