Installments

Installments helps your customer to pay for any product or services at your site in easy equitable monthly installments (EMI). If your customers don't have enough cash for payment of products or services offered by your site, then PayFORT in partnership with several banks and credit cards facilitates installment services for your customer requirements. However, you will be paid the full amount immediately.

PayFORT is offering the services at present in UAE Egypt KSA only.

Supported Schemes

List of Banks enrolled for installment services

1. Emirates NBD
2. ADCB Mashreq
3. Dubai First CBD
4. Mawarid Finance NCB
5. SABB Bank AlJazira
6. Saudi Hollandi bank Riyadh
7. bank CIB Barclays

How it works?

Placeholder: Provide Integration flow/process flow diagram.

Despite the involvement of multiple parties (merchant, bank and customer), the installment process is simple and can be implemented in seconds.

1. At Checkout customer selects his bank, installment plans and enters his credit card details to complete the purchase.

2. Customer is not required to call his bank to convert the transaction into Installments. PayFORT will work with banks to convert the transaction into installments.

3. Customer then receives an sms or an email from the bank confirming the conversion of the transaction into EMI.

Installments Redirection

Now most of the transactions can be converted into Installments so in this section all the transactions of Redirections can be converted into Installments.

Installments Redirection Service - Request

You have to include the following parameters in the Purchase - Request Parameters which you will send to PayFort:

Placeholder: Please provide sample code for Installments Redirection service - requirements

Installments Redirection Service - Response

Placeholder : Provide sample JSON response

The following parameters will be returned in PayFort’s JSON Response in addition to the Purchase - Response Parameters:

Installments Merchant Page (Iframe)

If you are integrating Merchant Page (iFrame feature) then you can easily redesign your merchant page to easily send installment request from the merchant page itself as shown in this section.

Installments Merchant page Service - Request

Placeholder: Provide sample code for request

Include the following parameters in the Merchant page - Request Parameters you will send to PayFort:

Installments Merchant page Service - Response

Placeholder: Please provide sample JSON response.

The following parameters will be returned in PayFort’s Response in addition to the Merchant Page - Response Parameters

Installments Purchase Service - Request

Placeholder: Sample code for merchant page operations request

For transactions being carried out under operations you have to Include the following parameters in the Operation - Request Parameters while sending to PayFort:

Installments Purchase Service - Response

Placeholder: Provide sample JSON response sent from the PayFORT server.

The following parameters will be returned in PayFort’s Response in addition to the Operation - Response Parameters:

Installments Hosted Checkout

Get Installments Plans API

By using Hosted Checkout you will be able to fetch various installment plan details for your various products and services as well as various issuers configured in your account for the installment service. You can use the following endpoints to setup hosted checkout service.

Endpoints

Sandbox

POST https://sbpaymentservices.payfort.com/FortAPI/paymentApi

Live

POST https://paymentservices.payfort.com/FortAPI/paymentApi

Parameters Submission Type

REST POST request using JSON.

Get Installments Plans API - Request

Placeholder: Provide the sample code for the request

Include the following parameters in the Request you will send to PayFort:

For input parameters please visit the section Get Installments Plans API - Request under the link

Get Installments Plans API - Response

Placeholder: Provide sample JSON response

The following parameters will be returned in PayFort’s Response:

For more details on the parameters please visit the section Get Installments Plans API - Response in the link

Issuer Detail

You can use the following attributes to know the details of the installment services issuers.

Placeholder: Provide sample code for issuer details

This parameter is a sub parameter of the installment_detail parameter, please refer the section Issuer Detail in the link for the children parameters of the issuer_detail

Plan Details

If you want to fetch details of various installment plans you can use the attributes in this section and send in your request to the PayFORT server.

Placeholder: provide sample code for plan details.

This parameter is a sub parameter of the issuer_detail parameter, please refer the section Plan Detail in the link for the children parameters of the plan_detail:

Bins Details

This section will help you to capture the details of the credit card that customer will use for availing the installment service. You have to use the attributes in your request to fetch the details of the credit card.

Placeholder: provide sample code for bins details.

This parameter is a sub parameter of the issuer_detail parameter, please refer the section Bin Detail in the link for the children parameters of the bins:

Get Installments Plans API formulas

This section helps you to calculate the installment formula that would be displayed to your customers when they checkout. Following are the key formulas applicable for calculating the installments.

• Percentage Fees: Installments interest rate in percent (%) charged to the customer by the bank.

• Rate Flat: - Non Islamic: ((amount + ((amount * (fees / 100)) * months))) / months (amount + (amount* (fees / 100))) / months - Islamic: (((months * (fees / 100)) + 1) * amount) / months

• Rate Reducing: PMT (excel function)

• Fixed Fees: Installments fees in fixed amount charged to the customer by the bank.

(amount + fees) / months

Get Installments Plans API - Response

Response Sample

The following is sample of a response of an Get Installments Plans API request:

{
“response_code”: “62000”,
“response_message”: “Success”,
“signature”: “9b02960d319318256efbc17cf57dbc1f7e7fd046e20e49215d0bed32a065c3ae”,
“merchant_identifier”: “bxgOIxIz”,
“access_code”: “Ru8n1ciSJXWm8WFHLKsR”,
“query_command”: “GET_INSTALLMENTS_PLANS”,
“issuer_code”: “fHkigRtu”,
“installment_detail”: {
  “issuer_detail”: [
  {
     “issuer_code”: “fHkigRtu”,
    “issuer_name_ar”: “بنك الامارات دبي الوطني”,
    “issuer_name_en”: “Emirates NBD Egypt”,
    “terms_and_condition_ar”: “http://www.emiratesnbd.com.eg/egypt-en/index.cfm/retail-banking/cards/special-offers/”,
    “terms_and_condition_en”: “http://www.emiratesnbd.com.eg/egypt-en/index.cfm/retail-banking/cards/special-offers/”,
    “country_code”: “EGY”,
    “issuer_logo_ar”: “https://stgstatic.payfort.com/frontend/files/logos/issuer/logo_ar_7.jpeg”,
     “issuer_logo_en”: “https://stgstatic.payfort.com/frontend/files/logos/issuer/logo_en_7.jpg”,
    “banking_system”: “Non Islamic”,
    “formula”: “((amount + ((amount * (effective rate/100)) * period))) / period”,
  “plan_details”: [
  {
    “plan_code”: “zAS4XyG2”,
    “currency_code”: “USD”,
    “number_of_installment”: 33,
    “fees_type”: “Percentage”,
    “fees_amount”: 300,
     “processing_fees_type”: null,
    “processing_fees_amount”: null,
    “rate_type”: “Flat”,
    “plan_merchant_type”: “Non Partner”,
    “plan_type”: “Cross-Border”,
    “fee_display_value”: 400,
    “minimum_amount”: 300,
    “maximum_amount”: 33333300,
    “amountPerMonth”: “3.00”
    }
    ],
“bins”: [
{
  “bin”: “427838”,
  “country_code”: “EGY”,
  “currency_code”: “EGP”,
  “card_brand_code”: “VISA”
},
{
  “bin”: “522025”,
  “country_code”: “EGY”,
  “currency_code”: “EGP”,
  “card_brand_code”: “Master Card”
},
{
  “bin”: “543173”,
  “country_code”: “EGY”,
  “currency_code”: “EGP”,
  “card_brand_code”: “Master Card”
},
],
  “confirmation_message_ar”: null,
  “disclaimer_message_ar”: null,
  “processing_fees_message_ar”: null,
  “confirmation_message_en”: null,
  “disclaimer_message_en”: null,
  “processing_fees_message_en”: null
}
]
},
“status”: “62”
}

Merchant Page 2.0 Operations

Endpoints

Sandbox

POST https://sbpaymentservices.payfort.com/FortAPI/paymentApi

Live

POST https://paymentservices.payfort.com/FortAPI/paymentApi

Parameters Submission Type

REST POST request using JSON.

Installment Service For Merchant Page 2.0 Operations - Request

You can use the endpoints to integrate and send request for Merchant Page 2.0 operations.

Placeholder: Provide sample code for merchant page 2.0 operations for installment service.

Please visit the section Installment Service for Merchant Page 2.0 Operations - Request under the link for input parameters to be sent in the request.

Remember - Before sending the amount value of any transaction, you have to multiply the value with the currency decimal code according to ISO code 3. For example: If the amount value was 500 AED; according to ISO code 3, you should multiply the value with 100 (2 decimal points); so it will be sent in the request as 50000. Another example: If the amount value was 100 JOD; according to ISO code 3, you should multiply the value with 1000 (3 decimal points); so it will be sent in the request as 100000.

Installment Service For Merchant Page 2.0 Operations - Response

Placeholder: Provide sample JSON response for merchant page 2.0 operations for installments.

For more details on response parameters please visit the section Installment Service for merchant page 2.0 operations- response in the link

Remember - Every parameter the Merchant sends in the Request should be received by the Merchant in the Response -even the optional ones-.

Installments Hosted for Trusted Channel

If you are a trusted channel partner or already a PCI compliant partner you can use the attributes provided in this section to integrate your installment service. For more details on the trusted channel partners please visit this link

Installments Hosted for Trusted – Request

Placeholder: Please provide sample code for trusted channel partner request for installment.

Installments Hosted for Trusted – Response

Placeholder : Provide sample JSON response for Hosted for trusted channel

For details on parameters of the response visit the section Installments Hosted for Trusted- Response in the link

Installments Merchant Page - Style Sheet

This is a list with all customizable CSS classes for Installments Merchant Page. You can use these css classes to style and design your installments merchant page.

• The installments-container class - responsible for the total width of the form container and the background.
• The receipt-container class - responsible for the receipt section you can customize / hide it by changing the CSS values
• The full-width class - responsible for the plans and switching the view from dropdown to a table.
• The credit-card-container class - responsible for the credit card form`s shape look.
• The error class - responsible for the error messages.
• The half1, half2 class - used to merge the date and CVV fields into one block or each one on block if needed.
• The bank class - is responsible for the bank agreement section.
• The floatl class - is the container of each single input field.
• The Pay class - responsible for the submit button.
• The Visa/ MasterCard classes - used to change the color of the Visa/ MasterCard colors.

Go to Full API

Check out our full API by visiting this link

Need further help?

Thanks for using PayFort.com. If you need any help or support, then message our support team at support@payfort.com.