--- title: "Installment" slug: "installment-1" updated: 2026-05-11T08:03:52Z published: 2026-05-11T08:03:52Z canonical: "docs.xendit.co/installment-1" --- > ## Documentation Index > Fetch the complete documentation index at: https://docs.xendit.co/llms.txt > Use this file to discover all available pages before exploring further. # Installment Installment payments allow customers to split a single purchase into multiple monthly payments over a predefined period. The installment plans available for a transaction depend on the card issuer, transaction amount, and your business eligibility. Installments are an agreement between the **cardholder (end user)** and the **issuing bank**. When a customer selects an installment option, the issuing bank converts the transaction into a series of monthly charges to the cardholder based on the selected tenor. For your business, the transaction is processed and settled as a normal card payment. You will receive the full transaction amount according to the standard settlement schedule, and there is no change to the settlement process compared to a regular card transaction. You do not receive installment payments on a monthly basis. Before creating a payment request with installments, you must first check which installment plans are available for the transaction. ## Supported channels Installments are currently supported for: | Payment Channel | Country | Available Interval | | --- | --- | --- | | CARDS | Indonesia (We offer BNI and BRI installments without the need for a direct contract with these banks) | 3, 6, 12 months | | BAY_CARD_INSTALLMENT | Thailand | 3, 4, 6, 9, 10, 12 months | | BBL_CARD_INSTALLMENT | Thailand | 3, 4, 6, 8, 9, 10 months | | KBANK_CARD_INSTALLMENT | Thailand | 3, 4, 5, 6, 7, 8, 9, 10 months | | KTB_CARD_INSTALLMENT | Thailand | 3, 4, 5, 6, 7, 8, 9, 10 months | | SCB_CARD_INSTALLMENT | Thailand | 3, 4, 6, 10 months | | TTB_CARD_INSTALLMENT | Thailand | 3, 4, 6, 10 months | More countries and card installment programs may be added in the future. ## Integration Flow ![](https://cdn.document360.io/217abc43-8677-41fb-a81d-fceeb1fa0358/Images/Documentation/image(201).png) To accept installment payments using your own hosted page, follow these steps: 1. **Check available installment options** Use `POST /payment_options` to retrieve the installment plans available for a specific transaction. > For `CARDS`, checking installment options requires the full card number. Because this involves handling sensitive card data, this integration method is **only available to PCI-DSS certified merchants**. For non PCI-DSS, we’d recommend you to use [Xendit Components or Payment Session](/v1/docs/installment-1#using-xendit-components-or-payment-session) for simple and compliant integration. > > > > For Thailand card installments, you can use the same endpoint to retrieve available installment options. Card details are not required when checking the available plans. Request - POST /payment_options ```json {  "channel_code": "CARDS", //see supported payment channel for installment  "country": "ID",  "amount": 1000000,  "currency": "IDR",  "channel_properties": {    "card_number": "40000000001091"  } } ``` Response - POST /payment_options ```json {    "channel_code": "CARDS",    "country": "ID",    "amount": 100000,    "currency": "IDR",    "installment_plans": [        {            "interval": "MONTH",            "interval_count": 1,            "terms": 12,            "installment_amount": 8333.33,            "total_amount": 100000,            "description": "0%, 12 x IDR 8333.33",            "interest_rate": 0        },        {            "interval": "MONTH",            "interval_count": 1,            "terms": 3,            "installment_amount": 33333.33,            "total_amount": 100000,            "description": "0%, 3 x IDR 33333.33",            "interest_rate": 0        },        {            "interval": "MONTH",            "interval_count": 1,            "terms": 6,            "installment_amount": 16666.67,            "total_amount": 100000,            "description": "0%, 6 x IDR 16666.67",            "interest_rate": 0        }    ] } ``` 1. **Create the payment request** When creating the payment, include the selected installment configuration inside the channel properties. For example, Create Payment Request for `CARDS` . Request - POST /v3/payment_requests ```json {    "type": "PAY",        "country": "ID",    "currency": "IDR",    "reference_id": "YOUR_REFERENCE_ID",    "description": "Description examples",    "metadata": {        "metametadata": "metametametadata"    },    "capture_method": "AUTOMATIC",    "channel_code": "CARDS",    "request_amount": 100000,    "channel_properties": {        "success_return_url": "https://xendit.co/success",        "failure_return_url": "https://xendit.co/failure",        "skip_three_ds": false,        "installment_configuration": { //get from the installment options checker            "terms": 3,            "interval": "MONTH"        },        "statement_descriptor": "Goods",        "card_details": {            "card_number": "4000000000001091",            "expiry_month": "12",            "expiry_year": "2029",            "cardholder_first_name": "cardholderFirstName",            "cardholder_last_name": "cardholderLastName",            "cardholder_email": "cardholder_email_address@gmail.co"        }    } } ``` Request - POST /v3/payment_requests ```json {    "payment_request_id": "pr-decfe933-d035-4d8d-946d-3e2358e82d93",    "country": "ID",    "currency": "IDR",    "business_id": "62440e322008e87fb29c1fd0",    "reference_id": "2c47486e-091e-4be7-b447-c504a77b48a9",    "description": "Description examples",    "metadata": {        "metametadata": "metametametadata"    },    "created": "2026-03-16T13:08:54.848Z",    "updated": "2026-03-16T13:08:54.848Z",    "status": "REQUIRES_ACTION",    "capture_method": "AUTOMATIC",    "channel_code": "CARDS",    "request_amount": 100000,    "channel_properties": {        "success_return_url": "https://xendit.co/success",        "failure_return_url": "https://xendit.co/failure",        "skip_three_ds": false,        "installment_configuration": {            "terms": 3,            "interval": "MONTH"        },        "statement_descriptor": "Goods",        "card_details": {            "masked_card_number": "400000XXXXXX1091",            "expiry_month": "12",            "expiry_year": "2029",            "fingerprint": "61a443574a7d750020465c79",            "type": "CREDIT",            "network": "VISA",            "country": "ID",            "issuer": "PT BANK RAKYAT INDONESIA TBK",            "cardholder_first_name": "cardholderFirstName",            "cardholder_last_name": "cardholderLastName",            "cardholder_email": "cardholder_email_address@gmail.co"        }    },    "type": "PAY",    "actions": [        {            "type": "REDIRECT_CUSTOMER",            "descriptor": "WEB_URL",            "value": "https://redirect.xendit.co/authentications/69b800e82d553167f7295ff1/render?api_key=xnd_public_development_kSJeNzbAo6DEkX1poFWVLBsmR0nJ8WnjpdQpf4dfIPXgDBltJmH7CZGVUfWWI"        }    ] } ``` ## Using Xendit Components or Payment Session For merchants that are not PCI-DSS certified, direct card data handling is not allowed. We recommend integrating with: - [**Xendit Components**](/v1/docs/components-overview) - [**Payment Session**](/v1/docs/how-payment-sessions-work) These integrations automatically display available installment plans and allow customers to select their preferred installment option directly in the hosted page. ![](https://cdn.document360.io/217abc43-8677-41fb-a81d-fceeb1fa0358/Images/Documentation/image(202).png) No additional API integration is required to display installment plans. ## Installment testing scenario You can simulate installment payments using the [Xendit Demo Store](https://demo-store.xendit.co/). Use the test cards below to simulate installment transactions in the demo environment. > These test cards are intended for **sandbox testing only** and will not process real transactions. | **Channel Code** | **Issuer Bank** | **Country** | **Scheme** | **Card Number** | | --- | --- | --- | --- | --- | | CARDS | BRI | Indonesia | Mastercard | 5454 5454 5454 5454 | | CARDS | BRI | Indonesia | VISA | 4000 0000 0000 1091 | | CARDS | BRI | Indonesia | JCB | 3337 0000 0020 0004 | | CARDS | BNI | Indonesia | Mastercard | 5200 0000 0000 1096 | | CARDS | BNI | Indonesia | JCB | 3338 0000 0000 0569 | | KBANK_CARD_INSTALLMENT | Kasikornbank | Thailand | VISA/Mastercard | 4535017710535741 Expiry date: 05/28 CVV: 184 | | SCB_CARD_INSTALLMENT | Siam Commercial Bank | Thailand | VISA/Mastercard | 5258860689905862 Expiry date: 02/25 CVV: 950 | ##