---
title: "POST /installment-plans"
method: POST
path: "/installment-plans"
tags: ["Payment"]
---

# POST /installment-plans

`POST /installment-plans`

## Create an installment plan

When you send this API request, our system will create an installment-plan that replaces any scheduled
payments you may have on the loans involved in this installment-plan. Once fully processed, the
installment-plan reaches the SCHEDULED status with its payment intents in PROPOSED status, ready to
be executed.

**Key Parameters**:
As the loan request is a complex operation, it has many parameters. The most important ones are:
- payment method (SCT or Direct debit)
- amount (in cents)
- debited account information in case of direct debit
- installments
- loans and their amounts
- installment date
- payment reference

### Behavior
The endpoint returns 201 immediately with the installment-plan in DRAFT status. Cancelation of the
previous scheduled plans on the same loans, creation of payment intents, and activation of the new
plan happen asynchronously in a background task — poll the resource to observe the transition to
SCHEDULED. Retrying with the same salt_id returns the existing plan (dedup); when salt_id is
omitted, it is derived from the sorted loan_ids.

## Request body

- ApiPostInstallmentPlan
  - `from_account` AccountCreation
    - `account_holder` BusinessIdentifierRequired
      - `identifier` string, required
      - `identifier_type` 'belgium_registration_number' | 'bsn' | 'cif' | 'hr_nummer' | 'kvk' | 'name' | 'nif' | 'siren' | 'siret' | 'steuernummer' | 'vat_number', required
    - `account_number` string, required
    - `account_number_type` 'account_number' | 'iban' | 'internal_id'
    - `bank_identifier` string, nullable
    - `bank_identifier_type` 'bic' | 'name' | 'routing_number' | 'undefined'
    - `source` AccountSourceInformation
      - `datasource_unique_id` string, nullable
      - `id` string, required
      - `name` 'AXONAUT_DEFACTO_API' | 'BRIDGE' | 'CEFIN_DEFACTO_API' | 'FINAPI' | 'IRMA_DEFACTO_API' | 'LEANO_DEFACTO_API' | 'LIBEO_DEFACTO_API' | 'PENNYLANE_DEFACTO_API' | 'PENNYLANE_REDSHIFT' | 'QONTO' | 'STEMSCAPE_DEFACTO_API' | 'SUPER_DEFACTO_API', required
  - `installments` ApiPostInstallment[], required
    - `amount` integer, required
    - `date` string, date-time, required
    - `loans` ApiPostInstallmentLoan[], required
      - `amount` integer, required
      - `loan_id` string, uuid, required
    - `reference` string, nullable
  - `payment_method` 'DIRECT_DEBIT' | 'P2P' | 'SCT', required
  - `salt_id` string, nullable

## Response `201`

Created

---

[API](https://skmtc.net/getdefacto/apis/api-reference.md) · [All operations](https://skmtc.net/getdefacto/apis/api-reference/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/getdefacto/api-reference/revisions/0a9c1f8784f2/schema)