How to setup a payment in several installments (S-PAY/Ogone/Datatrans)?

Prerequisites: 

• To be using S-PAY, Ogone or Datatrans. For more information, you can create a Services ticket → Ticketing → Setting up a payment online. 

• Make sure your merchant contract allows you to process Recurrent type transactions from eCommerce (and MOTO for processing via box office). This information can be obtained directly from your acquirer (usually your bank).

Note: Even though they are automatic, these processes do not exempt you from monitoring to ensure that the installments are actually paid, and to take the necessary measures in case they are not paid (order cancellation, etc). 

1) Create a Pending account payment type 

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Give it a name (explicitly). 

At the level of the parameters, make it available only for the payment, and activate the option Pending account with follow-up (management of installments). 

Enter the number of expected installments (enter an identical value in the default number and the maximum number in order to always have the same number of installments). 

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The date of the first installment can be dynamic (delays in days, 0 indicating that the first due date takes place when ordering) or static (fix dated, it is necessary then to enter the desired date - If the fixed date is in the future at the time of purchase, the first installment will take place on this date.  If the date fixed is in the past, the first installment will take place on the anniversary date of the next month. Ex: date fixed on the 15.09.2017. Any purchase made before this date will result in a first installment on 15.09. A purchase made on 23.10. will result in a first installment of the 15.11). 

Please note that in case of a first installment that is not in immediate debit, customers will not be called to immediately enter their credit card number, so there will be no saving of the alias and in the date of the first installment, these customers will not be debited directly but invited to pay their installment online from their personal space. 

It is possible to enter a fixed date for the second installment. 

"Percentage 1st installment on total amount" allows you to determine the amount of the first installment as a percentage of the total amount. In the example, half the order will be paid at the moment of the purchase, and the remaining installments will be calculated with the remaining amount to be paid/number of installments, i.e. 50% /2. If left blank, the installments will all be equal. 

The default payment method foreseen for the installments must be Direct debit (Credit Card). 

The Minimum order amount allows you to indicate from which basket amount the payment in installments will be available. It is thus possible for you to offer payment in several installments only after a certain threshold, 300€ for example. 

Save and Close. 

Associate the newly created method to the corresponding internet point of sales (Organization → Initialization → Sales channels). 

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2) Check that the pending account is active for all new customers

This can be done in Organization → Initialization → Characteristics → Parameters. 

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Note: if the value is set to No, change it to Yes and contact the support team to authorize it for all existing contacts. 

WARNING: if you have authorized another payment method of Pending account in the same sales channel as the payment in several installments, this first method will become available to all your customers after this step. 

3) Decide if the last installment must take place before the first dated product in the basket. 

By default, the above rule is applied: it is not possible to use the payment in 3x if the event on the basket is in 2 months. 

If you wish to remove this rule, please contact us asking us to change the Waiting Account With Installment Payment parameter in the institution's parameters. 

4) Activate email documents to be sent automatically 

Institution → Initialization → Document types → New 

These are the documents: 

• Instalment payment failure email 

• Instalment reminder email

• Instalment payment success email 

5) Configure the batch 

Organization → Tools → List of batches 

Activate the Instalment management batch 

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This batch contains two programmations:

• Pay due instalments: process of payment of the installment. 

• Send due payment reminder: sending an email notification to the contact who has an installment to be paid. 
  
  

a) Pay due installments: 

If automatic, the frequency must be indicated as well as the time and start date. It is recommended to run the batch every 24 hours, starting at 1:00 a.m. 

The batch size represents the number of files the batch will process. It is completely possible to set a high value so it processes all the files. 

The sales channel must be the one(s) in which the sale with the installment payment was made. It is possible to add several channels. 

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Instalment overdue by: here, we must consider that 0 is the current date. This is the recommended value. Thus, the batch will process all the due installments the day of the batch processing. If the schedule is done so that the batch runs every day, it will take all the expected installments. 

A positive number x will allow all installments exceeded by x days to be processed. 

A negative number x will process installments before their deadline (for example, "-3" will process all the due installments up to 3 days away). 

The minimum remaining amount allows you to add a rule on the process. By default, 1.00 is the recommended value. 

It is possible to enter file numbers separated by commas to exclude certain files from the batch processing. 

The recipient's email allows to differentiate the order contact from the payment contact (in case they are different) so that the correct contact is notified on the due date.