# Latin American payments

Take payments in Latin America with additional regional functionalities and parameters, such as installment plans, combo cards or customer's tax/document reference.

## Document reference

Use `customer.documentReference` to supply your customer's document reference number. This is required for domestic processing in some Latin America countries in order to reduce fraud and improve approval rates.

Some example documents:Argentina: DNI, CUIT, CUIL or CDIBrazil: CPF or CNPJMexico: CURP


```
{
...
    "customer": {
        "documentReference": "12345612981"
    }
}
```

## Combo cards

Use `instruction.routing.fundingType` to specify the source of funds for cards that combine multiple funding types (sometimes referred to as "combo cards").

Possible values:`credit``debit`


```
{
...
    "instruction": {
        "routing": {
            "fundingType": "debit"
        }
    }
}
```

## Sales tax

Supply `order.salesTax` with the amount of sales tax (VAT/IVA) for the transaction.


```
{
...
    "order": {
        "salesTax": 150
    }
}
```

## Installment plans

To take regional customer installment plans, supply the parameters below within the `customerAgreement` object.

Note that unlike other types of installment plan, Latin America installments are supplied on Customer Initiated Transactions (CITs) only. Subsequent installments are then taken automatically by either the card issuer or the acquirer: no further action is required by you.

| **Parameter** | **Required?** | **Description** |
|  --- | --- | --- |
| `instruction.customerAgreement` | ❌ | An object containing details about processing agreements made with your customer, e.g. a request to set up an installment schedule for Latin American payments. |
| `customerAgreement.type` | ✅ | `installment` |
| `customerAgreement.storedCardUsage` | ❌ | Possible values:`first` - for storing a card for the first time`subsequent` - for subsequent use of a previously stored card |
| `customerAgreement.installmentType` | ✅ | `latinAmerica` |
| `customerAgreement.installmentPlan` | ✅ | An object containing details of the installment plan. |
| `installmentPlan.numberOfInstallments` | ✅ | The number of installments to split the payment into. |


#### Installment example


```
{
...
    "instruction": {
        "customerAgreement": {
            "type": "installment",
            "installmentType": "latinAmerica"
            "installmentPlan": {
                "numberOfInstallments": 6
            }
        }
    }
}
```