Redirect Integration
Topics covered on this page
Installment payments allow customers to split one large payment into several smaller payments over a fixed period. Omise Payments provides a set of APIs that allow you to offer your customers this convenient payment method.
How to enable
- Supported Countries: Thailand, Malaysia
- Minimum API version:
2017-11-02
To enable Installment Payments, send an email requesting this feature to support@omise.co. You will need to review and accept the new terms and conditions.
Supported cards
Supported installment cards in Thailand
| Credit Card | Source type |
Installment Term Lengths (months) | Monthly Minimum (THB) |
|---|---|---|---|
| Krungsri | installment_bay |
3, 4, 6, 9, 10 | 500 |
| Bangkok Bank | installment_bbl |
3, 4, 5, 6, 7, 8, 9, 10 | 500 |
| Krungsri First Choice | installment_first_choice |
3, 4, 6, 9, 10, 12, 18, 24, 36 | 300 |
| Kasikorn Bank | installment_kbank |
3, 4, 6, 10 | No Minimum Amount |
| Krungthai Card (KTC) | installment_ktc |
3, 4, 5, 6, 7, 8, 9, 10 | No Minimum Amount |
| Siam Commercial Bank | installment_scb |
3, 4, 6, 9, 10 | 500 |
| United Overseas Bank (UOB) | installment_uob |
3, 4, 6, 10 | 500 |
| TMBThanachart Bank (TTB) | installment_ttb |
3, 4, 6, 10 | 500 |
Supported installment cards in Malaysia
| Credit Card | Source type |
Installment Term Lengths (months) | Minimum Amount (MYR) |
|---|---|---|---|
| Maybank | installment_mbb |
6 | 500 |
| Maybank | installment_mbb |
12 | 1000 |
| Maybank | installment_mbb |
18 | 1500 |
| Maybank | installment_mbb |
24 | 2000 |
Note: For installment payments made in Malaysia, merchants absorb all interest.
Payment flow
Customers who choose installment payments go through a redirect
payment flow.
Omise redirects them from your website to an external webpage, where they authorize and confirm the payment amount.
Upon completion, Omise redirects the customer back to your website.
The following screenshots demonstrate this payment flow. At checkout, the customer selects the installment payment method.
After the customer chooses the credit card they want to pay with, Omise redirects them to the external webpage. The authorization page already shows the payment amount and any reference numbers.
The customer reviews the information and confirms the payment. After confirmation, Omise redirects the customer to your website through the return URI you specify.
Setting who pays installment interest
Either you (the merchant) or the customer pays the interest for installment payments. We use the term zero-interest installments to describe the case where you pay the interest instead of the customer.
Default setting for who pays installment interest
Use the Dashboard to set the default party that pays installment interest. You can override the default setting per charge.
Per-charge setting for who pays installment interest
Override the default setting by passing the boolean parameter zero_interest_installments at both source creation and charge creation.
- When you set the parameter to
true, you (the merchant) pay the interest. - When you set the parameter to
false, the customer pays the interest. - When you omit the parameter, the default account value applies.
The values you pass at source creation and charge creation must match.
If you charge a source directly, pass the zero_interest_installments parameter at charge creation.
Implementation
To create a charge using Installment Payments, complete the following steps.
- Create a payment source (
type:installment_bay,installment_bbl,installment_first_choice,installment_kbank,installment_ktc,installment_scb,installment_uob,installment_ttb, orinstallment_mbb) using Omise.js or one of the mobile SDKs (iOS and Android). - Create a charge using the identifier of the source you created in Step 1.
- After you receive the charge completion webhook, check the charge status before you fulfill the order.
FAQ
Which countries support Installment Payments?
Installment Payments are available in Thailand and Malaysia.
How do I enable Installment Payments on my account?
Send an email requesting the feature to support@omise.co, then review and accept the new terms and conditions. The minimum API version is 2017-11-02.
Who pays the installment interest?
Either you (the merchant) or the customer pays the interest. Set the default in the Dashboard, or override it per charge with the zero_interest_installments parameter. In Malaysia, merchants absorb all interest.
Which value do I pass for zero_interest_installments?
Pass true when you want to pay the interest, or false when the customer pays. Pass the same value at both source creation and charge creation.
Is there a minimum amount for installment payments?
Minimums depend on the card. In Thailand, most cards require a monthly minimum of 300 or 500 THB, while Kasikorn Bank and Krungthai Card (KTC) have no minimum amount. In Malaysia, the minimum amount depends on the Maybank term length, from 500 MYR for 6 months to 2000 MYR for 24 months.
How does the customer complete an installment payment?
Omise redirects the customer from your website to an external webpage, where the customer authorizes and confirms the payment amount. After confirmation, Omise redirects the customer back to your website through the return URI.
