**Last updated**: 14 November 2025 | [**Change log**](/products/payments/changelog/)

# Latin America installments

Enterprise

Request a one-time installment payment, to allow the customer's bank to collect subsequent payments automatically.

The request must contain:


```JSON
"customerAgreement": {
    "type": "installment", // used to indicate the customer has agreed the processing arrangement
    "installmentType": "latinAmerica", // used to define the type of installments service
    "installmentPlan": {
        "numberOfInstallments": 4 // used to indicate the number of installments that the requested amount should be broken into by the acquirer bank
    }
}
```

**Optionally:**

If you're storing the card as a Worldpay token:


```JSON
"customerAgreement": {
    "type": "installment",
    "storedCardUsage": "first", // first use of a stored card
    "installmentType": "latinAmerica", 
    "installmentPlan": {
        "numberOfInstallments": 4 
    }
},
"tokenCreation": {
    "type": "worldpay" // include if you're storing the card as a Worldpay Token
},
```

If you're using a previously stored card to setup the agreement:


```JSON
"customerAgreement": {
    "type": "installment", 
    "storedCardUsage": "subsequent", // subsequent use of a previously stored card
    "installmentType": "latinAmerica", 
    "installmentPlan": {
        "numberOfInstallments": 4 
    }
}
```

 Apple Pay & Google Pay are not yet supported when setting up an installment. 

Important: You must have agreement from your customer to store their card details.

API only
Collect the card details and send an API request with these details to the [`Payments`](/products/payments/openapi/) resource.

## Request

Plain card
Checkout SDK
Use our Checkout SDK for a lower PCI burden. Receive a short lived `session` representing the card and apply in the [`Payments`](/products/payments/openapi/) resource.

## 1. Add the SDK & Create a Session

Web SDK
Add JavaScript to your checkout


Android SDK
Set up your Android application

iOS SDK
Set up your iOS application

React Native SDK
Set up your React Native application

## 2. Add the session to the payment request

Session
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "method": "card",
        "paymentInstrument": {
            "type": "checkout",
            "cardHolderName": "Sherlock Holmes",
            "sessionHref": "https://try.access.worldpay-bsh.securedataplatform.com/sessions/eyJrIjoxLCJkIjoialRBL0FFelB....."
        },
        "customerAgreement": {
            "type": "installment",
            "installmentType": "latinAmerica",
            "installmentPlan": {
                "numberOfInstallments": 12
            }
        },
        "narrative": {
            "line1": "trading name"
        },
        "value": {
            "currency": "GBP",
            "amount": 42
        }
    }
}
Token + CVC session
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "method": "card",
        "paymentInstrument": {
            "type": "token",
            "cardHolderName": "Sherlock Holmes",
            "href": "https://try.access.developer.com/tokens/eyJrIjoxLCJkIjoialRBL0FFelBzcnZpNCtzRGNRemh0NzI0NE1rdUtjMUFJdjYxVnlibWZuUT0ifQ",
            "cvcSessionHref": "https://try.access.worldpay-bsh.securedataplatform.com/sessions/eyJrIjoxLCJkIjoialRBL0FFelB...."
        },
        "customerAgreement": {
            "type": "installment",
            "installmentType": "latinAmerica",
            "storedCardUsage": "subsequent",
            "installmentPlan": {
                "numberOfInstallments": 12
            }
        },
        "narrative": {
            "line1": "trading name"
        },
        "value": {
            "currency": "GBP",
            "amount": 42
        }
    }
}
View the full API Request schema
## 3. Add additional features

In most cases you will need to add some additional features such as 3DS, auto settlement or a risk assessment

Risk Assessment
We assess the payment for fraud before proceeding with authorization.
Enterprise
Worldpay eCommerce

Auto Settlement
Automatically settle a payment following the authorization.
Enterprise
Worldpay eCommerce

Account Funding Transactions (AFT)
Transfer funds from a card account to another destination, rather than for the provision of goods or services.
Enterprise

Financial Service (MCC 6012/6051)
For domestic Financial Services providers (MCC 6012) based in the Visa Europe Region, you must supply this additional data.
Enterprise

Latin America Installments
Fulfill a one-time installment charge, to allow the customer's acquirer bank collecting the payments over time.
Enterprise

Payment Facilitator
Facilitate transactions on behalf of your sub-merchants.
Enterprise

Account Updater
Automatically update card details to prevent declines due to expired or changed cards.
Enterprise

## 4. Response

Features that change the API flow
Certain features add additional requests and responses:

- [3DS](/products/payments/enable-features/3ds-authentication) - you will receive a `201` - `3dsDeviceDataRequired` as well as the possibility of an issuer challenge
- [FraudSight](/products/payments/enable-features/fraud-assessment) - you may receive a `201` - `fraudHighRisk` outcome, stopping the payment
- [Auto Settlement](/products/payments/enable-features/auto-settlement) - automatic `202` - `sentForSettlement` following authorization.
  - If any of the AVS/CVC response riskFactors are marked as `notMatched` the payment will be `sentForCancellation` automatically by default but can be disabled.


View the full API Response schema