Shopping in installments
with a twist

To expand your knowledge simply choose
a specific step
A cardholder goes to a store to buy something.
After the payment is authorized, the bank sends an SMS text message to the cardholder with the installment offer for the (eligible) transaction and a unique transaction code.
The cardholder then responds to that SMS containing that unique transaction code and the chosen number of installments.
The third SMS is a confirmation from the bank.