When creating a card payment with installments, the Merchant will receive the full amount of the payment at settlement, with no risks involved.

How does it work

To create a payment with installments, first you need to create an installments plan, to guarantee the surcharge per installment that will be charged.

With the Installment Plan id (installments_id) and the number of installments, you can go ahead and create a payment with installments.

Example create installment plan

$ curl -X POST \
    -H 'X-Date: 2018-02-20T15:44:42.310Z' \
    -H 'X-Login: sak223k2wdksdl2' \
    -H 'X-Trans-Key: fm12O7G9' \
    -H 'X-Version: 2.1' \
    -H 'User-Agent: MerchantTest / 1.0 ' \
    -H 'Content-Type: application/json' \
    -H 'Authorization: V2-HMAC-SHA256, Signature: 1bd227f9d892a7f4581b998c21e353b1686a6bdad5940e7bb6aa596c96e0a6ec' \
    -d '{body}'
    https://api.dlocal.com/installments-plans

{
    "country" : "BR",
    "bin" : "411111",
    "amount": 1000,
    "currency" : "BRL"
}

{
    "id" : "INS54434",
    "country" : "BR",
    "bin" : "435921",
    "amount": 1000.00,
    "currency" : "BRL",
    "installments" : [
        {
            "id" : "INS54434-1",
            "installment_amount" : 1000.00,
            "installments" : 1,
            "total_amount" : 1000.00
        },
        {
            "id" : "INS54434-2",
            "installment_amount" : 550.00,
            "installments" : 2,
            "total_amount" : 1100.00
        },
        {
            "id" : "INS54434-3",
            "installment_amount" : 383.33,
            "installments" : 3,
            "total_amount" : 1150.00
        }
    ],
    "installments_by_bank": false
}

Example payment with installments

$ curl -X POST \
    -H 'X-Date: 2018-02-20T15:44:42.310Z' \
    -H 'X-Login: sak223k2wdksdl2' \
    -H 'X-Trans-Key: fm12O7G9' \
    -H 'X-Version: 2.1' \
    -H 'User-Agent: MerchantTest / 1.0 ' \
    -H 'Content-Type: application/json' \
    -H 'Authorization: V2-HMAC-SHA256, Signature: 1bd227f9d892a7f4581b998c21e353b1686a6bdad5940e7bb6aa596c96e0a6ec' \
    -d '{body}'
    https://api.dlocal.com/payments

{
    "amount": 1000,
    "currency" : "BRL",
    "country": "BR",
    "payment_method_id" : "CARD",
    "payment_method_flow" : "DIRECT",
    "payer":{
        "name" : "Thiago Gabriel",
        "email" : "[email protected]",
        "document" : "53033315550"
    },
    "card":{
        "holder_name" : "Thiago Gabriel",
        "number" : "4111111111111111",
        "cvv" : "123",
        "expiration_month" : 10,
        "expiration_year" : 2040,
        "installments" : "3",
        "installments_id" : "INS54434"
    },
    "order_id": "657434343",
    "notification_url": "http://merchant.com/notifications"
}

{
    "id": "D-4-e2227981-8ec8-48fd-8e9a-19fedb08d73a",
    "amount": 1000.00,
    "currency": "BRL",
    "payment_method_id": "CARD",
    "payment_method_type": "CARD",
    "payment_method_flow": "DIRECT",
    "country": "BR",
    "card": {
        "holder_name": "Thiago Gabriel",
        "expiration_month": 10,
        "expiration_year": 2040,
        "brand": "VI",
        "last4": "1111"
    },
    "created_date": "2019-02-06T21:04:43.000+0000",
    "approved_date": "2019-02-06T21:04:44.000+0000",
    "status": "PAID",
    "status_detail": "The payment was paid.",
    "status_code": "200",
    "order_id": "657434343",
    "notification_url": "http://merchant.com/notifications"
}