Using the payment methods invoice and installment with payment guarantee the respective amount will be received from the selected financial service provider even if the payment was not yet affected by the consumer in the online shop.


The items purchased in the online shop are sent to the consumer together with the relevant invoice. The consumer then affects the transfer of the respective amounts within the due date for payment.


The items purchased in the online shop are sent to the consumer. The relevant partial amounts are collected from the consumer’s account through direct debit every month.


If the online shop is enabled for payment methods invoice or installment use the required additional request parameters listed on the corresponding pages of the provider. These request parameters must have been set previously whenever the payment method is set to INVOICE or AFTERPAY or the consumer selects those payment methods after QPAY Checkout Page is invoked with payment method SELECT.

If an invoice or installment payment is accepted, the response parameter paymentState with the value SUCCESS is returned, same as gatewayReferenceNumber. The reference number of the invoice should be stored for tracking purposes.

For payment method invoice the otherwise optional request parameters for consumer billing data are required for all providers.