# Installments Plan API
source: https://developer.mastercard.com/unified-installments/documentation/testing/mastercard-installments-payment-services/installments-plan-api/index.md

Using a successful offer data returned by `POST /offers` API, `POST /plans` will always return a successful response.  

The test data in this section provides various scenarios for implementing the API.

## Test cases for GET /plans/{plan_id} {#test-cases-for-get-plansplan_id}

### Test Case 1: Success-GET Initiated Plan {#test-case-1-success-get-initiated-plan}

**GIVEN** : The client has access to the Mastercard Installment API and has integrated their solution or application with the [/plans](https://developer.mastercard.com/unified-installments/documentation/api-reference/mastercard-installments-services/inbound-api/index.md#apis) endpoint.  

**WHEN** : The client backend system makes a REST call to the '/plans/{planId}' endpoint.   

**THEN** : The plan is found and returned based on the plan ID. The response body consumer object will be decrypted using the suggested MC Encryption LIB.  

##### Request Parameters {#request-parameters}

da30272e-3937-4c74-b849-63c8a5464556

##### Response {#response}

* JSON

```JSON
{
	"planId": "da30272e-3937-4c74-b849-63c8a5464556",
	"offerId": "21345725",
	"providerId": "29694e7a-b4a8-11ec-b909-0242ac120002",
	"status": "CREATED",
	"merchant": {
		"name": "Decor shop",
		"acceptor": "409749",
		"mcc": "1711",
		"country": "USA"
	},
	"transaction": {
		"amount": 200,
		"currency": "USD"
	},
	"planInstallmentInformation": {
		"apr": 9,
		"totalAmount": 6000,
		"currency": "USD",
		"installmentAmount": 9.14,
		"installmentFee": 0,
		"tenure": 24,
		"frequency": "MONTHLY"
	},
	"scheduledRepayments": [
		{
			"installmentNumber": 1,
			"amount": 9.14,
			"dueDate": "2022-10-20"
		},
		{
			"installmentNumber": 2,
			"amount": 9.14,
			"dueDate": "2022-11-20"
		},
		{
			"installmentNumber": 3,
			"amount": 9.14,
			"dueDate": "2022-12-20"
		},
		{
			"installmentNumber": 4,
			"amount": 9.14,
			"dueDate": "2023-01-20"
		},
		{
			"installmentNumber": 5,
			"amount": 9.14,
			"dueDate": "2023-02-20"
		},
		{
			"installmentNumber": 6,
			"amount": 9.14,
			"dueDate": "2023-03-20"
		},
		{
			"installmentNumber": 7,
			"amount": 9.14,
			"dueDate": "2023-04-20"
		},
		{
			"installmentNumber": 8,
			"amount": 9.14,
			"dueDate": "2023-05-20"
		},
		{
			"installmentNumber": 9,
			"amount": 9.14,
			"dueDate": "2023-06-20"
		},
		{
			"installmentNumber": 10,
			"amount": 9.14,
			"dueDate": "2023-07-20"
		},
		{
			"installmentNumber": 11,
			"amount": 9.14,
			"dueDate": "2023-08-20"
		},
		{
			"installmentNumber": 12,
			"amount": 9.14,
			"dueDate": "2023-09-20"
		},
		{
			"installmentNumber": 13,
			"amount": 9.14,
			"dueDate": "2023-10-20"
		},
		{
			"installmentNumber": 14,
			"amount": 9.14,
			"dueDate": "2023-11-20"
		},
		{
			"installmentNumber": 15,
			"amount": 9.14,
			"dueDate": "2023-12-20"
		},
		{
			"installmentNumber": 16,
			"amount": 9.14,
			"dueDate": "2024-01-20"
		},
		{
			"installmentNumber": 17,
			"amount": 9.14,
			"dueDate": "2024-02-20"
		},
		{
			"installmentNumber": 18,
			"amount": 9.14,
			"dueDate": "2024-03-20"
		},
		{
			"installmentNumber": 19,
			"amount": 9.14,
			"dueDate": "2024-04-20"
		},
		{
			"installmentNumber": 20,
			"amount": 9.14,
			"dueDate": "2024-05-20"
		},
		{
			"installmentNumber": 21,
			"amount": 9.14,
			"dueDate": "2024-06-20"
		},
		{
			"installmentNumber": 22,
			"amount": 9.14,
			"dueDate": "2024-07-20"
		},
		{
			"installmentNumber": 23,
			"amount": 9.14,
			"dueDate": "2024-08-20"
		},
		{
			"installmentNumber": 24,
			"amount": 9.14,
			"dueDate": "2024-09-20"
		}
	],
	"consumer": {
		"email": "john.doe@test.com",
		"mobile": "6360101010",
		"isdCode": "1"
	}
}
```

#### Test Case 2: Success-GET Approved Plan {#test-case-2-success-get-approved-plan}

**GIVEN** : The client has access to the Mastercard Installment API and has integrated their solution/application with the [/plans](https://developer.mastercard.com/unified-installments/documentation/api-reference/mastercard-installments-services/inbound-api/index.md#apis) endpoint.  

**WHEN** : The client backend system makes a REST call to the '/plans/{planId}' endpoint.  

**THEN** : The plan is found and returned based on the plan ID. The response body consumer object will be decrypted using the suggested MC Encryption LIB.  

##### Request Parameters {#request-parameters-1}

16fa4f03-15cb-46da-bb96-1e3f672688fe

##### Response {#response-1}

* JSON

```JSON
{
	"planId": "16fa4f03-15cb-46da-bb96-1e3f672688fe",
	"offerId": "21345735",
	"providerId": "29694e7a-b4a8-11ec-b909-0242ac120002",
	"status": "APPROVED",
	"merchant": {
		"name": "Decor shop",
		"mcc": "1711",
		"country": "USA"
	},
	"transaction": {
		"amount": 3000,
		"currency": "USD"
	},
	"planInstallmentInformation": {
		"apr": 11.02,
		"totalAmount": 100,
		"currency": "USD",
		"installmentAmount": 1018.43,
		"installmentFee": 0,
		"tenure": 3,
		"frequency": "MONTHLY"
	},
	"scheduledRepayments": [
		{
			"installmentNumber": 1,
			"amount": 1018.43,
			"dueDate": "2022-10-20"
		},
		{
			"installmentNumber": 2,
			"amount": 1018.43,
			"dueDate": "2022-11-20"
		},
		{
			"installmentNumber": 3,
			"amount": 1018.43,
			"dueDate": "2022-12-20"
		}
	],
	"consumer": {
		"email": "john.doe@test.com",
		"mobile": "6360101010",
		"isdCode": "1"
	}
}
```

#### Test Case 3: Success-GET Rejected Plan {#test-case-3-success-get-rejected-plan}

**GIVEN** : The client has access to the Mastercard Installment API and has integrated their solution/application with the [/plans](https://developer.mastercard.com/unified-installments/documentation/api-reference/mastercard-installments-services/inbound-api/index.md#apis) endpoint.  

**WHEN** : The client backend system makes a REST call to the '/plans/{planId}' endpoint.   

**THEN** : The plan is found and returned based on the plan ID. The response body consumer object will be decrypted using the suggested MC Encryption LIB.  

##### Request Parameters {#request-parameters-2}

9eb01b62-e832-43bd-8ea8-7eca0e82bd49

##### Response {#response-2}

* JSON

```JSON
{
	"rejectReasonCode": "OTHER_REASON",
	"rejectReasonDetail": "Credit score is too low",
	"planId": "9eb01b62-e832-43bd-8ea8-7eca0e82bd49",
	"offerId": "21345723",
	"providerId": "29694e7a-b4a8-11ec-b909-0242ac120002",
	"status": "DECLINED",
	"merchant": {
		"name": "Decor shop",
		"acceptor": "409749",
		"mcc": "1711",
		"country": "USA"
	},
	"transaction": {
		"amount": 200,
		"currency": "USD"
	},
	"planInstallmentInformation": {
		"apr": 9.01,
		"totalAmount": 100,
		"currency": "USD",
		"installmentAmount": 17.49,
		"installmentFee": 0,
		"tenure": 12,
		"frequency": "MONTHLY"
	},
	"scheduledRepayments": [
		{
			"installmentNumber": 1,
			"amount": 17.49,
			"dueDate": "2022-10-20"
		},
		{
			"installmentNumber": 2,
			"amount": 17.49,
			"dueDate": "2022-11-20"
		},
		{
			"installmentNumber": 3,
			"amount": 17.49,
			"dueDate": "2022-12-20"
		},
		{
			"installmentNumber": 4,
			"amount": 17.49,
			"dueDate": "2023-01-20"
		},
		{
			"installmentNumber": 5,
			"amount": 17.49,
			"dueDate": "2023-02-20"
		},
		{
			"installmentNumber": 6,
			"amount": 17.49,
			"dueDate": "2023-03-20"
		},
		{
			"installmentNumber": 7,
			"amount": 17.49,
			"dueDate": "2023-04-20"
		},
		{
			"installmentNumber": 8,
			"amount": 17.49,
			"dueDate": "2023-05-20"
		},
		{
			"installmentNumber": 9,
			"amount": 17.49,
			"dueDate": "2023-06-20"
		},
		{
			"installmentNumber": 10,
			"amount": 17.49,
			"dueDate": "2023-07-20"
		},
		{
			"installmentNumber": 11,
			"amount": 17.49,
			"dueDate": "2023-08-20"
		},
		{
			"installmentNumber": 12,
			"amount": 17.49,
			"dueDate": "2023-09-20"
		}
	],
	"consumer": {
		"email": "john.doe@test.com",
		"mobile": "6360101010",
		"isdCode": "1"
	}
}
```

## Test cases for POST /plans {#test-cases-for-post-plans}

## Positive test scenarios {#positive-test-scenarios}

### Test Case 1: Success-Verify that the consumer is able to create a plan by providing the required parameters {#test-case-1-success-verify-that-the-consumer-is-able-to-create-a-plan-by-providing-the-required-parameters}

**Given** : The consumer has access to the Mastercard Installment API and has integrated their solution or application with the [/installments/plans](https://developer.mastercard.com/unified-installments/documentation/api-reference/mastercard-installments-services/inbound-api/index.md#apis) endpoint.  

**When** : The consumer backend system makes a REST call to the '/installments/plans' endpoint.  

**Then** : The consumer should be able to create a plan based on `offerId`, total amount, and offer details.  

##### Request Payload {#request-payload}

* JSON

```JSON
{
  "offerId": "98427054",
  "offerTransactionId": "480285894528466944",
  "providerId": "29694e7a-b4a8-11ec-b909-0242ac120002",
  "tokenTransactionId": "tokenTransactionId",
  "merchant": {
    "acceptor": null,
    "mcc": "1711",
    "country": "MEX",
    "acquirerId": "5551",
    "name": "Testing Merchant",
    "merchantId": "21605304228"
  },
  "transaction": {
    "amount": 169.14,
    "currency": "USD",
    "stan": "9991",
    "rrn": "8888",
    "authorizationCode": "AUTH99",
    "localDateTime": "2030-03-18T00:00:00Z",
    "transmissionDateTime": "2030-03-18T00:00:00Z",
    "transactionLinkId": ""
  },
  "planInstallmentInformation": {
    "apr": 17.8,
    "totalAmount": 526.32,
    "firstInstallmentAmount": 87.72,
    "otherInstallmentAmount": 87.72,
    "currency": "USD",
    "tenure": 6,
    "frequency": "MONTHLY"
  },
  "schedulePayments": [
    {
      "installmentNumber": 1,
      "installmentAmount": 28.19,
      "dueDate": "2030-04-18"
    },
    {
      "installmentNumber": 2,
      "installmentAmount": 28.19,
      "dueDate": "2030-05-18"
    },
    {
      "installmentNumber": 3,
      "installmentAmount": 28.19,
      "dueDate": "2030-06-18"
    },
    {
      "installmentNumber": 4,
      "installmentAmount": 28.19,
      "dueDate": "2030-07-18"
    },
    {
      "installmentNumber": 5,
      "installmentAmount": 28.19,
      "dueDate": "2030-08-18"
    },
    {
      "installmentNumber": 6,
      "installmentAmount": 28.19,
      "dueDate": "2030-09-18"
    }
  ],
  "sensitiveData": {
    "consumer": {
      "primaryAccountNumber": "2303770004152813"
    }
  }
}
```

##### Response {#response-3}

* JSON

```JSON
{
  "planId": "3d56f5a7-db48-41f0-875e-30920e8465f3",
  "partnerInstallmentLink": "https://example.com/partner/installment-link",
  "status": "CREATED"
}
```

### Test-case 2: Success-Verify that the consumer is able to create a plan by providing the required parameters and having a token PAN {#test-case-2-success-verify-that-the-consumer-is-able-to-create-a-plan-by-providing-the-required-parameters-and-having-a-token-pan}

**Given** : The consumer has access to the Mastercard Installment API and has integrated their solution/application with the [/installments/plans](https://developer.mastercard.com/unified-installments/documentation/api-reference/mastercard-installments-services/inbound-api/index.md#apis) endpoint.  

**WHEN** : The consumer backend system makes a REST call to the '/installments/plans' endpoint.  

**THEN** : The consumer should be able to create a plan based on the token PAN provided along with offerId, total amount, and offer details.  

##### Request Payload {#request-payload-1}

* JSON

```JSON
{
  "offerId": "98427054",
  "offerTransactionId": "480285894528466944",
  "providerId": "29694e7a-b4a8-11ec-b909-0242ac120002",
  "tokenTransactionId": "tokenTransactionId",
  "merchant": {
    "acceptor": null,
    "mcc": "1711",
    "country": "MEX",
    "acquirerId": "5551",
    "name": "Testing Merchant",
    "merchantId": "21605304228"
  },
  "transaction": {
    "amount": 169.14,
    "currency": "USD",
    "stan": "9991",
    "rrn": "8888",
    "authorizationCode": "AUTH99",
    "localDateTime": "2030-03-18T00:00:00Z",
    "transmissionDateTime": "2030-03-18T00:00:00Z",
    "transactionLinkId": ""
  },
  "planInstallmentInformation": {
    "apr": 17.8,
    "totalAmount": 526.32,
    "firstInstallmentAmount": 87.72,
    "otherInstallmentAmount": 87.72,
    "currency": "USD",
    "tenure": 6,
    "frequency": "MONTHLY"
  },
  "schedulePayments": [
    {
      "installmentNumber": 1,
      "installmentAmount": 28.19,
      "dueDate": "2030-04-18"
    },
    {
      "installmentNumber": 2,
      "installmentAmount": 28.19,
      "dueDate": "2030-05-18"
    },
    {
      "installmentNumber": 3,
      "installmentAmount": 28.19,
      "dueDate": "2030-06-18"
    },
    {
      "installmentNumber": 4,
      "installmentAmount": 28.19,
      "dueDate": "2030-07-18"
    },
    {
      "installmentNumber": 5,
      "installmentAmount": 28.19,
      "dueDate": "2030-08-18"
    },
    {
      "installmentNumber": 6,
      "installmentAmount": 28.19,
      "dueDate": "2030-09-18"
    }
  ],
  "sensitiveData": {
    "consumer": {
      "primaryAccountNumber": "5468600800011000"
    }
  }
}
```

##### Response {#response-4}

* JSON

```JSON
{
  "planId": "3d56f5a7-db48-41f0-875e-30920e8465f3",
  "partnerInstallmentLink": "https://example.com/partner/installment-link",
  "status": "CREATED"
}
```

## Negative test scenario {#negative-test-scenario}

### Test-case 1: Failure-Verify that the consumer is not able to create a plan when the amount passed in the payload does not match with the actual offer calculation {#test-case-1-failure-verify-that-the-consumer-is-not-able-to-create-a-plan-when-the-amount-passed-in-the-payload-does-not-match-with-the-actual-offer-calculation}

**Given** : The consumer has access to the Mastercard Installment API and has integrated their solution/application with the [/installments/plans](https://developer.mastercard.com/unified-installments/documentation/api-reference/mastercard-installments-services/inbound-api/index.md#apis) endpoint.  

**When** : The consumer backend system makes a REST call to the '/installments/plans' endpoint and provided `totalAmount` does not match as per the offerId passed in the request payload.  

**Then** : The consumer should not be able to create a plan and return an appropriate error.  

##### Request Payload {#request-payload-2}

* JSON

```JSON
{
  "offerId": "98427054",
  "offerTransactionId": "480285894528466944",
  "providerId": "29694e7a-b4a8-11ec-b909-0242ac120002",
  "tokenTransactionId": "tokenTransactionId",
  "merchant": {
    "acceptor": null,
    "mcc": "1711",
    "country": "MEX",
    "acquirerId": "5551",
    "name": "Testing Merchant",
    "merchantId": "21605304228"
  },
  "transaction": {
    "amount": 179.14,
    "currency": "USD",
    "stan": "9991",
    "rrn": "8888",
    "authorizationCode": "AUTH99",
    "localDateTime": "2030-03-18T00:00:00Z",
    "transmissionDateTime": "2030-03-18T00:00:00Z",
    "transactionLinkId": ""
  },
  "planInstallmentInformation": {
    "apr": 17.8,
    "totalAmount": 526.32,
    "firstInstallmentAmount": 87.72,
    "otherInstallmentAmount": 87.72,
    "currency": "USD",
    "tenure": 6,
    "frequency": "MONTHLY"
  },
  "schedulePayments": [
    {
      "installmentNumber": 1,
      "installmentAmount": 28.19,
      "dueDate": "2030-04-18"
    },
    {
      "installmentNumber": 2,
      "installmentAmount": 28.19,
      "dueDate": "2030-05-18"
    },
    {
      "installmentNumber": 3,
      "installmentAmount": 28.19,
      "dueDate": "2030-06-18"
    },
    {
      "installmentNumber": 4,
      "installmentAmount": 28.19,
      "dueDate": "2030-07-18"
    },
    {
      "installmentNumber": 5,
      "installmentAmount": 28.19,
      "dueDate": "2030-08-18"
    },
    {
      "installmentNumber": 6,
      "installmentAmount": 28.19,
      "dueDate": "2030-09-18"
    }
  ],
  "sensitiveData": {
    "consumer": {
      "primaryAccountNumber": "2303770004152813"
    }
  }
}
```

##### Response {#response-5}

* JSON

```JSON
{
	"Errors": {
		"Error": [
			{
				"ReasonCode": "invalid.request.parameter",
				"Source": "mci-installment-bnpl-plans-api",
				"Description": "Retrieved Total Amount validation failed-Offer value must match with Plan Value.",
				"Recoverable": false,
				"Details": "Offer validation failed"
			}
		]
	}
}
```

### Test-case 2: Failure-PAN Mismatch {#test-case-2-failure-pan-mismatch}

##### Request Body {#request-body}

* JSON

```JSON
{
  "offerId": "71392364",
  "planInstallmentInformation": {
    "totalAmount": 160,
    "currency": "USD",
    "tenure": 12,
    "frequency": "MONTHLY",
    "otherInstallmentAmount": 13.33
  },
  "sensitiveData": {
    "consumer": {
      "primaryAccountNumber": 2303770000078038
    }
  },
  "offerTransactionId": "633226000502624256"
}
```

##### Response {#response-6}

* JSON

```JSON
{
  "Errors": {
    "Error": [
      {
        "ReasonCode": "invalid.request.parameter",
        "Source": "installments-bnpl-plans",
        "Description": "PAN match validation failed - Offer value must match with Plan Value",
        "Recoverable": false,
        "Details": "Offer validation failed"
      }
    ]
  }
}
```