Plan N
Plan N is a payment plan offered by American Express in some countries. Plan N allows payers to defer payments for purchases from an eligible merchant into monthly installments. With Plan N, the merchant accepts the applicable charges and payment plan conditions with American Express and bears the cost of interest. The payer is billed in installments without any interest and the merchant is paid in installments less the applicable charges.
The MSO set the maximum number of installments available to the merchant as part of the merchant configuration.
Payment plan inquiry
You can request the gateway for a list of valid plans for a transaction using the Payment Options Inquiry operation. The following details about the supported payment plans are returned:
paymentTypes.card.paymentPlans[n].numberOfDeferrals[n]paymentTypes.card.paymentPlans[n].numberOfPayments[n]paymentTypes.card.paymentPlans[n].payerInterestpaymentTypes.card.paymentPlans[n].planId
planId) for Plan N is PLANN.paymentPlanProduct.{paymentPlanProductId}paymentPlanProduct.{paymentPlanProductId}.namepaymentPlanProduct.{paymentPlanProductId}.logoUrlpaymentTypes.card.paymentPlanOffer.{id}paymentTypes.card.paymentPlanOffer{id}.paymentPlanProductIdpaymentTypes.card.paymentPlanOffer.{id}.currencypaymentTypes.card.paymentPlanOffer.{id}.numberofPaymentspaymentTypes.card.paymentPlanOffer.{id}.subsequentPaymentAmountpaymentTypes.card.paymentPlanOffer.{id}.firstPaymentAmountpaymentTypes.card.paymentPlanOffer.{id}.deferralPeriodpaymentTypes.card.paymentPlanOffer.{id}.interest.charged
Payment Options Inquiry API Reference [REST][NVP]
Submit a transaction with the payment plan
To submit a transaction with the payment plan selected by the payer, provide the following fields in an Authorize/Pay or Update Session request:
- paymentPlan.numberOfDeferrals
- paymentPlan.numberOfPayments
- paymentPlan.planId
paymentPlan.offerID field with the offer ID in the Payment Options Inquiry response.The gateway processes a payment plan only if the following conditions are met:
- The order currency is supported on the payment plan,
- The card type is supported on the payment plan.