More than one payment with differente credit card

[gguerini]

Hi everybody,
I am developing an e-commerce for a client in Brazil and we need a particular feature. We have contracts with different credit card providers (eg.: VISA and Mastercard) and each one has your own payment policy.

What do I mean? For example:

Product X - US$100,00:
- Visa: up to 2 payments interest free / up to 4 payments with interest (3.75% month)
- Mastercard: up to 3 payments interest free / up to 5 payments with interest (5% month)

When the user browses through this product, we need to show him all the payments possibilities and he can chooses:

VISA:
( ) 1x - $100.00 (interest free) = total: $100.00
( ) 2x - $50.00 (interest free) = total: $100.00
( ) 3x - $34.59 (3.75% interest month) = total: $103.77*
( ) 4x - $25.93 (3.75% interest month) = total: $104.20*

Mastercard:
( ) 1x - $100.00 (interest free) = total: $100.00
( ) 2x - $50.00 (interest free) = total: $100.00
( ) 3x - $33.34 (interest free) = total: $100.00
( ) 4x - $26.25 (5% interest month) = total: $105.00
( ) 5x - $21.50 (5% interest month) = total: $107.50

* hypothetical values

So, I need to be able to add different installments for each credit card and the interest rate. The application needs to show this values calculating the interests. Is it possible to to this using AbleCommerce???

Thanks you,
Guillermo

[AbleMods]

Anything is possible. But your needs would require extensive customization to the checkout process.

[Logan Rhodehamel]

Anything is possible. But your needs would require extensive customization to the checkout process.

Although it should be noted we can support multiple payments for an order out of the box. You may find this to be a relatively simple UI / business logic modification to the script files. It is hard for me to say without understanding how the interest rate comes into play (do you have to pass this to Visa somehow?)

[gguerini]

Anything is possible. But your needs would require extensive customization to the checkout process.

Although it should be noted we can support multiple payments for an order out of the box. You may find this to be a relatively simple UI / business logic modification to the script files. It is hard for me to say without understanding how the interest rate comes into play (do you have to pass this to Visa somehow?)

First of all, thanks for your attention guys!

Well, I will calculate the interest rates "manually" (the system will do that), and then I pass the fixed payments to Visa.
Actually, I think I am complicating things. It can be much more simple.

Let's see.. I just need to store four information about each credit card type:
- Name/Type (Visa or Mastercard)
- How many payments are available to the product (5 times or 10 times)
- Up to how many payments are interest free (3 or 5 )
- Interest rate (1.5% or 2.5% )

Then I just need to show these informations on the products page, calculating the interest rates automatically.
The user can choose one of the options and the checkout process will be the same, because I will send the value with interests to Visa (for example) and the number of the payments.

It's transparent for Visa because I am charging the interests.

What do you think?

What do you mean about "script files"?
And to do these modifications I need to buy the source code or it's possible to do that without the source code?

Thanks again!