MERCHANT GUIDE · PAYMENTS

TBC Installments — quick-start

Add the TBC Installments option at checkout. Customers pick a 3, 6, 12 or 24-month plan on TBC's hosted page; TBC carries the loan and you receive the full order amount at settlement. Most setups take about 30 minutes end-to-end, assuming your TBC installments contract is signed and active.

~30 min · 7 stepsLast updated: April 2026Plugin slug: codeon-tbc-installments

Before you begin

Three prerequisites — same shape as the TBC Card guide, with one critical difference: the installments product is a separate contract with TBC and uses different API credentials.

An active TBC Installments merchant contract. This is distinct from the TBC E-commerce (card) contract — make sure you signed the"განვადება" annex specifically. Approval typically takes 5-7 business days; ask your TBC relationship manager for the installments product line if you only have card.
Your TBC installments API credentials: a separate merchantId / apiKey pair issued for the installments endpoint. They look the same as the card-payment credentials but they are not interchangeable — using card credentials with the installments plugin will fail at the connect step.
WordPress admin access and WooCommerce already installed and active. We recommend installing TBC Card first so customers who don't want installments still have a way to pay; the plugins coexist cleanly.

Buy a TBC Installments license

Open the TBC Installments product page and click Buy license. License is ₾130 / year per domain with a 14-day no-questions refund window.

Download the plugin ZIP

Install the plugin in WordPress

In your WordPress admin, go to Plugins → Add New → Upload Plugin. Select the ZIP you downloaded, click Install Now, then Activate Plugin.

WordPress admin: Plugins → Add New → Upload Plugin.

Once activated, you'll see a yellow admin notice asking for your license key. Click Enter license key— it goes to the plugin's settings screen at .

Activate your license

On the plugin settings screen, paste your license key into the License key field and click Save changes.

Plug in your TBC Installments credentials

The TBC credentials section accepts a separate merchantId / apiKey pair, issued by TBC against the installmentsproduct line. Like TBC Card, you'll start in Sandbox mode and switch to production once a test order succeeds.

Field: merchantId: Installments merchant id. Looks like test_INST_M00012345 in sandbox. Not the same as your card merchantId even if the numeric prefix matches.
Field: apiKey: Installments API key TBC issued. Treat as a secret; never paste into chats or screenshots.
Mode: Sandbox / Production. Start in sandbox; the test plan picker is identical to production but no real loan is opened.
Plans offered: Defaults to 3, 6, 12, 24months. TBC may restrict the longer plans for some merchant categories — ask your relationship manager. Plans the customer can't use are hidden on TBC's side, not yours.

Place a test order

TBC's sandbox lets you walk the plan-picker flow without opening a real loan. Open your storefront in an incognito window, drop a test product into the cart with a price of at least ₾100(TBC's minimum threshold for installments), and proceed to checkout.

Switch to production credentials

Flip Mode to Production and replace the credentials with the production installments merchantId / apiKey. Save — the green Connected badge should reappear.

What your customers see

The customer's checkout looks like any other gateway choice: a labelled radio with the bank logo and a one-line description. After they hit Place order, TBC takes over for plan selection and credit check — you don't handle any of that.

Refunding an installment order

Refund flow is initiated the same way as a card refund: WooCommerce → Orders → [order] → Refund. Behind the scenes the refund is more involved because TBC needs to unwind the customer's loan, so settlement timing differs from card.

Within 24 hours of approval (cooling-off): full refund only. The loan is cancelled cleanly with no interest billed to the customer; you're re-credited within one business day.
After 24 hours:partial refunds are supported but TBC may charge a small unwind fee (typically the first month's interest accrued). We surface the fee on the WooCommerce order note when TBC's callback returns it.
After the customer has paid 1+ installments: partial refund only — the principal already returned to you can't be reversed. Contact support if you need to refund a long-running installment plan; we'll walk through it.

Common errors and what they mean

License key doesn't cover this plugin: You pasted a TBC Card license into the TBC Installments plugin (or vice versa). Each plugin has its own license; check /licenses for which key is which.
TBC: invalid signature: Wrong credentials. Most often this means you pasted your TBC cardcredentials into the installments plugin. Verify with TBC that you're using the installments-specific apiKey.
TBC: amount below threshold: Order total was below the installment minimum (typically ₾100). The customer should pick TBC Card instead, or you can hide the installments method on carts under the threshold via WooCommerce's payment-method visibility filters.
TBC: customer rejected: TBC declined the credit check. The order stays Pending; the customer can retry with another method. Don't treat this as a plugin error.

Next steps

Add TBC Card so customers who don't want a loan can still pay instantly.
Run BoG Card alongside so customers can pick their issuing bank — many Georgian buyers do.
Building automation around order events? The integrator docs cover the public REST surface and the BoG / TBC callback contracts.