Creating an installment payment

The activation of the payment in installments feature is subject to the prior agreement of Société Générale.

Under PSD2, strong authentication is required upon the payment of the first installment. The vads_threeds_mpi field is ignored and an authentication with buyer interaction is automatically requested.

This payment mode allows the merchant to offer payment facilities to the buyer.

The payment form defines the number of installments and the interval between them.

The schedule is then presented to the buyer on the payment pages.

The first installment works the same way as an immediate payment. The result is notified to the merchant website due to the Instant Payment Notification URL at the end of the payment rule.

The following maturities are similar to deferred cash payments. The result is notified to the merchant website due to the Instant Payment Notification URL on batch authorization rule.

Clarifications:

The vads_amount field contains the total amount of the order. This is the amount that will be split according to the value of the vads_payment_config field.

On the day of the payment, the total amount is not credited to the merchant’s account and the liability shift cannot apply to future installments.

The date of the last installment cannot exceed one year after the date of the form submission. Otherwise, an error message will appear and the form will be rejected.

Use all the fields below to create your payment form.

Field name	Description	Format	Value
vads_payment_cards	Allows to force the card type to be used. It is recommended to provide a different payment button for each payment method on the merchant website. It is recommended not to leave the field empty.	enum	AMEX to directly call the CB payment button.
vads_site_id	Shop ID	n8	E.g.: 12345678
vads_ctx_mode	Mode of interaction with the payment gateway	enum	TEST orPRODUCTION
vads_trans_id	Transaction number. Must be unique within the same day (from 00:00:00 UTC to 23:59:59 UTC). Warning: this field is not case sensitive.	an6	E.g.: xrT15p
vads_trans_date	Date and time of the payment form in UTC format	n14	Respect the YYYYMMDDHHMMSS format E.g.: 20200101130025
vads_amount	Payment amount in the smallest currency unit (cents for euro)	n..12	E.g.: 4525 for EUR 45.25
vads_currency	Numeric currency code to be used for the payment, in compliance with the ISO 4217 standard (numeric code).	n3	E.g.: 978 for euro (EUR)
vads_action_mode	Acquisition mode for payment method data	enum	INTERACTIVE
vads_page_action	Action to perform	enum	PAYMENT
vads_version	Version of the exchange protocol with the payment gateway	enum	V2
vads_payment_config	Payment type	enum	See step 2.
vads_capture_delay	Capture delay	n..3	0
vads_validation_mode	Specifies the validation mode of the transaction (manually by the merchant, or automatically by the payment gateway).	n1	0 or 1 or absent or empty

Populate the vads_payment_config field using the following syntax:
- Fixed payment amounts and dates:
  MULTI:first=1000;count=3;period=30 where:
  
  "first" corresponds to the amount (in the smallest currency unit) of the first installment made on the day of payment,
  
  "count" represents the total number of installments,
  
  "period" determines the interval between each installment.
- Custom installment amounts and dates:
  MULTI_EXT:date1=amount1;date2=amount2;date3=amount3 where:
  
  date1=amount1 defines the date and the amount of the first transfer.
  
  The amounts are presented in the smallest currency unit. The total amount must be equal to the value of the vads_amount field.
  
  The dates are presented in the YYYYMMDD format.
Set the vads_capture_delay field to 0. The first payment will be captured in the bank on the same day.
Set the vads_validation_mode field to 0 for automatic validation (the payment will be automatically captured in the bank) or to 1 for manual validation (manual operation performed via the Merchant Back Office).
The validation mode applies to all the installments.
Add optional fields according to your requirements (see Using additional features chapter of the Implementation Guide Hosted Payment Page).
Compute the value of the signature field using all the fields of your form that start with vads_ (see chapter Computing the signature of the Implementation Guide Hosted Payment Page available on our website).

Example of installment payment form (fixed amounts and payment dates):

<form method="POST" action="https://sogecommerce.societegenerale.eu/vads-payment/">
<input type="hidden" name="vads_action_mode" value="INTERACTIVE" />
<input type="hidden" name="vads_amount" value="3000" />
<input type="hidden" name="vads_ctx_mode" value="TEST" />
<input type="hidden" name="vads_currency" value="978" />
<input type="hidden" name="vads_page_action" value="PAYMENT" />
<input type="hidden" name="vads_payment_config" value="MULTI:first=1000;count=3;period=30"/>
<input type="hidden" name="vads_site_id" value="12345678" />
<input type="hidden" name="vads_trans_date" value="20190629180150" />
<input type="hidden" name="vads_trans_id" value="1N015m" />
<input type="hidden" name="vads_version" value="V2" />
<input type="hidden" name="signature" value= "zrhUNkAciZSEl6mS4BbhV3qkYUBB9RYJQCdg1kU0ELU="/>
<input type="submit" name="pay" value="Pay" />
</form>

Example of installment payment form (custom amounts and payment dates):

<form method="POST" action="https://sogecommerce.societegenerale.eu/vads-payment/">
<input type="hidden" name="vads_action_mode" value="INTERACTIVE" />
<input type="hidden" name="vads_amount" value="3000" />
<input type="hidden" name="vads_capture_delay" value="0" />
<input type="hidden" name="vads_ctx_mode" value="TEST" />
<input type="hidden" name="vads_currency" value="978" />
<input type="hidden" name="vads_page_action" value="PAYMENT" />
<input type="hidden" name="vads_payment_config" value=" 
MULTI_EXT:20140201=1000;20140301=1000;20140401=1000" />
<input type="hidden" name="vads_site_id" value="12345678" />
<input type="hidden" name="vads_trans_date” value="20190629130025" />
<input type="hidden" name="vads_trans_id" value="130025" />
<input type="hidden" name="vads_version" value="V2" />
<input type="hidden" name="signature" value="7Sds6Z+R1Q1axRsblpChyQh5OU3oCle5FOirD4V/Bzk="/>
<input type="submit" name="pay" value="Pay"/>
</form>

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Creating an installment payment