Installments

DEUNA allows merchants to offer installments in a flexible and fully-orchestrated way across any integration method — Widgets, SDKs, or Direct API.

Installment types

Our platform supports three different models for defining which installment options should be presented to the customer and ultimately processed with the payment provider:

1. Merchant-Provided Installments
2. DEUNA Installment Campaigns
3. Payment-Provider Installments

Depending on your business needs, you can enable one or combine multiple strategies to ensure customers always see the correct installment options based on card brand, BIN, issuer capabilities, currency, and routing rules.

1. Merchant-provided installments

Merchants can explicitly define the number of installments they want to offer to customers. This is the most direct and controlled model.

How it works

You provide the installment value directly to DEUNA:

• When processing a payment via API, include the installments parameter.
• When using DEUNA Widgets, provide the list of allowed installments during widget initialization.

DEUNA will:

• Present these installments to the user (if using a widget)
• Process the payment using the selected installment count
• Respect routing rules defined by the merchant

When to use this model

Use this approach when:

• You want full control over the installment list
• You manage eligibility logic internally
• You need different installment sets based on products, markets, or pricing tiers

2. Installment campaigns (DEUNA smart rules)

Installment campaigns allow you to configure rules inside DEUNA that dynamically determine installment options based on:

• Transaction amount
• Currency
• Card brand
• BIN ranges
• Country
• Custom merchant conditions
• Routing strategies

How it works

1. Configure installment campaigns in the DEUNA console or via API.
2. DEUNA evaluates the rules in real time.
3. The widget or API response automatically returns the installment options to offer.