# Installment Plans and Plan Ids

This reference lists the installment plans and Plan Ids available for Integrated POS. Plans and rules depend on country, acquirer configuration, and card brand.

## What are installment plans

Installment plans define how a card payment is split into one or more charges. The automation system sends a **PlanId** (and optionally **Installments**, **Interest**, **OperationMode**) in the **Sale** or **Pre-authorization** request. The POS validates the plan against the card brand and commerce configuration. Invalid or unsupported plans are rejected, and the POS may prompt the operator on screen.

<Callout type="warning">

Plan and PlanId availability depend on terminal and commerce configuration. Invalid or unsupported combinations result in on-screen prompts or non-zero response codes. The automation system should handle these cases.

</Callout>

## How PlanId works

* Installments apply only to **card** payments. QR Code payments use the cardholder's wallet installments.
* Some brands require an **alphanumeric plan** to be specified for two or more installments. The description column notes where this applies.
* If **PlanId** is `plan_emisor` or `plan_emisor_accelerated` and the merchant has "Plan Cuotas" enabled, the terminal response may return `plan_getnet_simple` in the **PlanId** field.

## Available plan IDs

### Global plans

Plans available for the major international brands.

| PlanId | Brand(s) | Description |
| :--- | :--- | :--- |
| `contado` | All brands | Contado — single installment. For certain brands, specify the alphanumeric plan. |
| `plan_emisor_accelerated` | Visa | Plan Emisor (accelerated) — installments with issuer financing. |
| `plan_emisor` | Master | Plan Emisor — installments with issuer financing. |
| `plan_getnet_simple` | Visa, Master | Plan Cuotas — payment in two or more installments. |
| `plan_getnet_integral` | Visa, Master | Plan Getnet — installments with Getnet financing. |
| `plan_ahora` | Visa, Master, Amex | Cuota Simple — installments with government-set interest rate. |
| `cuotas` | Amex | Cuotas — general installment plan with a single installment. |
| `plan_n` | Amex | Plan N — payment in two or more installments. |
| `plan_amex` | Amex | Plan Amex — payment in two or more installments. |

<Callout type="note">

`plan_ahora` (Cuota Simple / Ahora) is an Argentine government-set installment program. It appears in this table because the plans are organized by card brand (Visa, Master, Amex), but it applies in Argentina.

</Callout>

### Argentina – local plans

Plans available for local Argentine card brands. Availability depends on terminal and commerce configuration.

| PlanId | Brand | Description |
| :--- | :--- | :--- |
| `plan_z` | Naranja | Plan Z. |
| `cuotas` | Naranja | Cuotas — generic installment plan; one or more installments. |
| `cuotas` | Local-Marcos Juarez | Cuotas — one or more installments; specify the alphanumeric plan. |
| `plan_emisor` | Cabal | Plan Emisor — installments with issuer financing. |
| `plan_ahora` | Cabal | Cuota Simple — installments with government-set interest rate. |
| `cuotas` | Favacard | Cuotas — single installment, or specify the alphanumeric plan for two or more. |
| `cuotas` | Consumax | Cuotas — one or more installments; specify the alphanumeric plan. |
| `cuotas` | Fullcard | Cuotas — general installment plan; single installment. |
| `contado#plan_diferido` | Elebar | Contado, sub plan Diferido — single installment. |
| `contado#plan_especial` | Elebar | Contado, sub plan Especial — single installment. |
| `contado#plan_normal` | Elebar | Contado, sub plan Normal — single installment. |
| `contado#plan_convenio` | Elebar | Contado, sub plan Convenio — single installment. |
| `cuotas#plan_diferido` | Elebar | Cuotas, sub plan Diferido — one or more installments. |
| `cuotas#plan_especial` | Elebar | Cuotas, sub plan Especial — one or more installments. |
| `cuotas#plan_normal` | Elebar | Cuotas, sub plan Normal — one or more installments. |
| `cuotas#plan_convenio` | Elebar | Cuotas, sub plan Convenio — one or more installments. |
| `cuotas` | TC Grupo Credito | Cuotas — general installment plan. |
| `cuotas#plan_1` | TC Grupo Credito | Cuotas, sub plan Plan 1 — one or more installments. |
| `cuotas#plan_2` | TC Grupo Credito | Cuotas, sub plan Plan 2 — one or more installments. |
| `cuotas#plan_3` | TC Grupo Credito | Cuotas, sub plan Plan 3 — one or more installments. |
| `cuotas#plan_4` | TC Grupo Credito | Cuotas, sub plan Plan 4 — one or more installments. |
| `cuotas` | Coopeplus | Cuotas — general installment plan; single installment. |
| `cuotas` | Coopeplus | Cuotas, sub plan Plan 1 (Sin Interes) — two or more interest-free installments. |
| `cuotas` | Coopeplus | Cuotas, sub plan Plan 2 (Con Interes) — two or more installments with interest. |
| `cuotas` | Cliper | Cuotas — single installment, or specify the alphanumeric plan for two or more. |
| `cuotas` | Clube del Este | Cuotas — single installment, or specify the alphanumeric plan for two or more. |
| `cuotas` | Credicash | Cuotas — single installment, or specify the alphanumeric plan for two or more. |
| `cuotas` | Data | Cuotas — single installment, or specify the alphanumeric plan for two or more. |
| `cuotas` | Don Crédito | Cuotas — one or more installments; specify the alphanumeric plan. |
| `cuotas` | Faro | Cuotas — one or more installments; specify the alphanumeric plan. |
| `cuotas` | Finanya | Cuotas — one or more installments; specify the alphanumeric plan. |
| `cuotas` | Tarjeta Valor La Zonal | Cuotas — one or more installments; specify the alphanumeric plan. |
| `cuotas` | Platino | Cuotas — one or more installments; specify the alphanumeric plan. |
| `cuotas` | Centrocard | Cuotas — one or more installments; specify the alphanumeric plan. |
| `cuotas_patagonia` | Patagonia Credito | Cuotas — single installment, or specify the alphanumeric plan for two or more. |

## Related resources

* [Methods and Parameters](/en/integrated-pos/reference/methods-parameters) — Sale and Pre-authorization request parameters.
* [Installment Payments](/en/integrated-pos/pos-payment-guides/installment-payment) — How to send an installment Sale.