Meses sin intereses によるカード支払いを受け付ける
さまざまな Stripe 製品で Meses sin intereses を使用してクレジットカード支払いを受け付ける方法をご紹介します。
分割払い (Meses sin intereses) は、メキシコの消費者向けクレジットカードの機能であり、顧客は複数の請求書明細に購入を分割できます。通常の 1 回限りの支払いと同様に、手数料を差し引いた支払い額を受け取り、顧客の銀行が時間をかけて代金を回収します。
分割払いを利用できる取引とカードの種類には制限があります。要件をご確認ください。
分割払いによる支払いを受け付ける際には、標準のクレジットカード取引手数料に追加の手数料を申し受けます。
分割払いは、さまざまな Stripe 製品で有効にすることができます。お客様の実装に適した手順を以下から選択してください。
Integrate with Invoicing 
You can accept installments with Invoicing.
Invoices provide an itemized list of goods and services rendered, which includes the cost, quantity, and taxes. You can also use them as a tool to collect payment.
Your customers can pay with Checkout using cards (with or without installments) and other payment methods that support Checkout.
Enable installments for Invoicing 
You can create an invoice that accepts a payment with installments with the Invoicing API or with the Stripe Dashboard.
If you want more customization, we recommend using the Invoicing API. If you want to set up Invoicing without writing any code, use the Stripe Dashboard.
注
You can enable installments for individual invoices but not for subscriptions.
Use the Invoicing API to set up an invoice that can be paid with installments 
Stripe Invoicing allows you to collect payments with installments. You can use this integration guide to set up invoices.
- Review Invoicing documentation
- Create a new Invoice
- クライアント側で分割払いプランを選択する
- Retrieve the selected Installment plan
Review Invoicing documentation
Review the Invoicing API integration guide and Invoicing API docs to familiarize yourself with how to create and send a generic invoice.
Create a new Invoice
Create a new invoice with a valid API key and Customer and Price object, as shown in the example below (Note: You’ll need to substitute your own valid API key and customer object).
注
Installments only work with collection_
set to send_
mode, not charge_
mode.
curl https://api.stripe.com/v1/invoiceitems \ -u
: \ -d "customer"="{{CUSTOMER_ID}}" \ -d "price"="{{PRICE_ID}}"sk_test_BQokikJOvBiI2HlWgH4olfQ2
curl https://api.stripe.com/v1/invoices \ -u
: \ -d "customer"="{{CUSTOMER_ID}}" \ -d "collection_method"="send_invoice" \ -d "days_until_due"=30 \ -d "pending_invoice_items_behavior"="include" \ -d "payment_settings[payment_method_options][card][installments][enabled]"="true"sk_test_BQokikJOvBiI2HlWgH4olfQ2
クライアント側で分割払いプランを選択する
The hosted invoice page displays the available installment options based on the credit card number provided by the customer.
If a customer clicks on Pay in installments, the installment plan option selected by default is the first plan on the list.
The customer can select their desired installment option in the hosted invoice interface.
Installment plans only show up for credit cards that support them and for transactions that have a total amount greater than or equal to 300.00 MXN.
In a sandbox, you can use test card numbers to test different behaviors.
Retrieve the selected Installment plan
The selected installment plan is available through both the Dashboard and API. In the Dashboard, click a payment and scroll down to Payment details. If it used installments, you see the length of the plan.
The selected installment plan is also available on the Payment Intent. After the user has completed payment, get the payment intent ID from the Invoice object (for example, “payment_intent”: “pi_…”) and then use that payment intent ID to retrieve the PaymentIntent object to see which installment plan the customer selected.
curl https://api.stripe.com/v1/invoices/{{INVOICE_ID}} \ -u
:sk_test_BQokikJOvBiI2HlWgH4olfQ2
With the payment intent ID, retrieve the PaymentIntent object:
curl https://api.stripe.com/v1/payment_intents/{{PAYMENT_INTENT_ID}} \ -u
:sk_test_BQokikJOvBiI2HlWgH4olfQ2
The PaymentIntent object then shows the selected installment plan:
{ "id": "pi_...", "object": "payment_intent", "amount": 100000, ... "charges": { "data": [ { "id": "ch_...", "object": "charge", "amount": 100000, "payment_method_details": { "card": { "installments": { "plan": { "count": 3,
Use the Stripe Dashboard to send an invoice that can be paid with installments 
To configure installments for Invoicing, visit the Stripe Dashboard payment methods settings page.
You can configure the specific monthly plans you want to offer, and minimum and maximum transaction amounts for each plan.
This payment method configuration is enabled for Invoicing, and all of your other compatible Stripe integrations, including API, Checkout, Payment Element, and Payment Links.
You can create an invoice with just a few clicks using the Stripe Dashboard.
- On the Customers page, click Add customer to create a new customer (select the country as Mexico, language as Spanish (Latin America), and currency as MXN - Mexican Peso)
Click on your newly created customer to view their information, including their Invoices.
On the customer’s overview page, click Actions and then select Create invoice to set up a new invoice for that customer.
On the Create invoice page, check the Payment section to make sure that cards are enabled, and that the option to Allow payment with card installments is also enabled.
Click on Find or add an item under the Items section to add products to the invoice.
Click Review invoice in the top right corner of the Create invoice page to finalize the invoice and schedule it to get sent to your customer
You can see the status of your customer’s invoices in the Invoices section of the customer’s overview page.
Your customer receives their invoice in an email. The invoice contains the instructions for them to submit their payment to cover their purchase.
The invoice is available in three formats: directly in the body of the email, as a PDF attached to the email, and as a hosted invoice page.
You can view the status of a particular invoice at any time on the customer’s overview page.
カスタム設定
Stripe ダッシュボードの支払い方法の設定ページを使用して、分割払いの設定をカスタマイズすることができます。
支払い方法の設定ページには、分割払いを有効または無効にするオプションがあります。この設定を使用すると、Payment Links や Checkout など、ノーコードの支払い方法で分割払いを有効にすることができます。
また、支払い方法の設定ページでは、提供する特定の月次プランと、各プランの最低取引金額と最高取引金額を設定することもできます。これらのプラン構成は、すべての既存の分割払いの組み込みに適用されます。
組み込みをテストする
組み込みのテストには、以下のカードを使用できます。
番号 | 説明 |
---|---|
3、6、9、12、18、24 カ月の分割払いプランが使用可能 | |
利用できる分割払いプランはありません。 |