Installments

This feature divides the total price to pay into several smaller, equal amounts due to pay over an agreed period of time, instead of requiring the customer to pay everything up front in a single payment. This method is widely used in LATAM markets and allows customers to have greater flexibility, but its implementation depends on card support availability and must comply with regional regulations.

Below are the available card brands that support installments in each country

Initial request

The GetNet Api expects to receive the following details in the request:

*In Uruguay’s case, 16 digits of the card are required.

Example:

"data" {
  "amount": 8900,
  "bin": "123412",
  "installment_type_filter": "no_interest",
  "number_token": "dfe05208b105578c070f806c80abd3a"
}

Response

You’ll need to extract the following properties received in the HTTP 201 Created response body to be used in the next step. The values for these fields must be obtained in advance from the POST service /dpm/payments-gwproxy/v2/payments/quotes.

For more details, see the API reference

Creating a payment with installments

Once the customer has selected their preferred quote, the GetNet Api expects to receive the following details in the payment request body:

| Attribute | Type | Description | Example | |---|---|---| |data| object |First level object|-| |additional_data| object |Second level object (inside data)|-| |transaction_type| string | The type of the payment transaction |FULL| |number_ installments| integer | Number of installments available for the credit| 4 | |installment| object |Third level optional object (inside additional_data where quote_id and schema must be mandatorily placed.)|-| |schema| string | Code that groups credits by category | PLAZOX | |type| string | Identifier representing the type of credit |no_interest| |quote_id| string | Quote ID to be used in the query |06f256c8-1bbf-42bf-93b4-ce2041bfb87e|

Example:

"additional_data": {
  "transaction_type": "PAYMENT",
  "number_ installments": 3,
  "installment": {
    "schema": "PLAZOX",
    "type": "no_interest",
    "quote_id": "4a29251d-41af-41fc-ac74-fa131e215e1b",
  }
}

For more details, see the API reference

Particularities

When creating installments in Uruguay and Spain markets, there are some specifics that must be applied.

Uruguay

• transaction_type must be set to “INSTALL_NO_INTEREST”. While other values like FULL and INSTALL_WITH_INTEREST are supported in other markets, only INSTALL_NO_INTEREST is valid for Uruguay.
• number_installments possible values range from 1 to 12 (in exceptional cases, up to 24 installments may be available through specific commercial agreements).
• schema this value is always fixed as plan_al_eje.
• type this value is always fixed as no_interest.

Spain

• transaction_type must be set to “PAYMENT” or “PREAUTHORIZATION”. While other values are supported in other markets, only these two values are valid for Spain.
• number_installments possible values are 3, 6, 9 and 12.
• schema this value is always fixed as PLAZOX.
• type this value is always fixed as no_interest.

Interest fees calculations

For this process we count with two alternatives for merchants and partners, depending on their needs:

• Calculated by User: The merchant calculates the interest fees externally and informs the API through the amount field. On API calls the quote_id must be generated under no_interest
• Calculated by GetNet: The merchant relies on GetNet’s interest fees calculations that count with up-to-date issuer/government information and therefore won’t have to do them externally. On API calls the quote_id must be generated under with_interest.

Available Countries

The following tables show by country the types of installments options offered. Consult them to check the installaments offered by your country.

Argentina Installments

For Argentina there are three main types of installments options offered at country level, and can only be processed with national or domestic cards:

• Issuer plans: Base installment plans are offered by the Issuer/Banks.
• Government plans (Cuota Simple / Plan Ahora): Option offered by the Argentinian government usually at lower interest fees than the Issuer plan.
• Getnet Integral (Cuota a Cuota): Plan offered by Getnet where the merchant is settled month by month, matching the installment amount paid by the customer.

Below are the possible API plan values by card brand in Argentina

Brazil Installments

For Brazil there are two main types of installments options offered at country level:

• Issuer plans (Parcelado Emissor): The merchant will settle the transaction only once and the cardholder will pay the total amount and any corresponding fees applied afterwards.
• Merchant installments (Parcelado Lojista): The merchant will settle the installments transactions month by month (D+30) including MDR and discount fees, and the cardholder will pay the amount without any interest fees.

Below are the possible API plan values by card brand in Brazil

Chile Installments

For Chile there are two main types of installments options offered at country level:

• Issuer plans: Base installment plans are offered by the Issuer/Banks with options that come within a range from 2 to 48. The merchant will settle the transaction only once and the cardholder will pay the total amount and any corresponding fees applied afterwards.
• Merchant installments (Cuota Comercio): No fees plan offered by the merchant with options that come within a range from 2 to 12. The merchant will settle the transaction multiple times, depending on the selected plan.

Below are the possible API plan values by card brand in Chile

Colombia Installments

For Colombia there are one type of installment option offered at country level:

• Issuer plans: The merchant will settle the transaction only once and the cardholder will pay the total amount and any corresponding fees applied afterwards.

Below are the possible API plan values by card brand in Colombia

Mexico Installments

For Mexico there are only one type of installments option offered at country level, and to be available for the merchant, it requires to be activated and contracted during the onboarding process:

• MSI (Meses sin interés): Base installment plans are offered by PROSA in which the customer’s personal bank is responsible for collecting payments, while the merchant will receive a unique settlement that includes any deducting fees.

Below are the possible API plan values by card brand in Mexico

Uruguay Installments

For Uruguay there are two main types of installments options offered at country level:

Interest-Free (Sin Recargo): You can sell (or buy) in up to 6 installments without any additional cost added to the final price. The merchant usually absorbs the standard financing cost within their service fee, so the customer pays the “Cash Price” divided by the number of months. With Surcharge (Con Recargo): For longer plans, a surcharge coefficient is applied to the total sale amount. If you are a merchant, you must multiply the sale amount by a specific factor (coefficient) before processing the card.

Below are the possible API plan values by card brand in Uruguay

Spain Installments

For Spain there are only one type of installments option offered at country level, and to be available for the merchant, it requires to ensure your Getnet terminal has the Plazox service activated.

• Plazox: To process installment transactions in Spain, Plazox is used, a payment solution that allows customers to split their credit card purchases into 3, 6, 9, or 12 months, both in physical stores and online. The experience is simple and requires no additional formalities: in-store, the terminal itself offers the option to choose the number of installments after inserting the card and PIN, while online the selection is made at checkout with a single click. For merchants, the operation involves no costs or risks, as they receive the full amount of the sale immediately, while the issuing bank assumes the customer’s financing. Plazox is automatically enabled for eligible cards and applies to purchases starting from a minimum amount of 60 euros, with the possibility of raising this threshold up to 500 euros depending on commercial agreements. It is a mechanism backed by Spanish banks that ensures smoothness, simplicity, and trust for both the customer and the merchant.

Below are the possible API plan values by card brand in Spain