Setting Up Credit Instruments

A credit instrument is a special payment method (like a credit card or a bank account) that is used by a sender in a payment instruction. A credit instrument captures the following rules (also known as payment instructions):

Sender using the credit instrument
Recipient offering the credit line
Caller executing debt transactions on Amazon FPS
Credit limit
Validity of the credit instrument

The rules (except: d and e) are expressed in the GateKeeper language. A credit instrument is created using the Amazon FPS postpaid instrument installation pipeline.

A credit instrument has two participants: a sender, who purchases the credit instrument, and a recipient, who provides the credit line. After both the participants agree to create the credit instrument, you can use the co-branded UI pipeline to create the credit instrument.

	Important
	Amazon FPS mandates that recipients and callers must be the same in a postpaid transaction. Amazon FPS does not support a marketplace application in a postpaid transaction.

You can use Postpaid Instrument Installation Pipeline to setup the debt balance. The following steps are required to set up a debt balance:

Creating a credit instrument
Setting up a token to use credit instrument
Setting up a token to settle the debt balance

Creating Credit Instrument and Setting Up Tokens

The following diagram illustrates the steps involved in creating a Postpaid instrument and setting up tokens.

The sender visits the DigitalDownload web site and clicks on the Register Now button to set up a billing agreement to make postpaid payments.
DigitalDownload directs the sender to the Amazon FPS postpaid instrument installation pipeline using a signed URL. The signed URL contains all the required parameters to set up the postpaid (credit) instrument and some of them are:
- validityStart
- CallerReferenceSender
- CallerReferenceSettlement
- PaymentMethod
- CreditLimit
```
https://authorize.payments-sandbox.amazon.com/cobranded-ui/actions/start?callerReferenceSender=JohnPp10102008
&callerReferenceSettlement=JohnPp10102008&creditLimit=30&globalAmountLimit=50
&validityStart=1182332067&pipelineName=SetupPostpaid&callerKey=11RLBBGBROL2006
&returnURL=http://www.digitaldownload-web-site.com&awsSignature=ADsd388wKEw33
```
The sender signs into Amazon Payments account using the Amazon.com e-mail address and password.
After successful authentication, the sender views the Payment Authorization Details page. Sender selects a payment method that will be used to set up the credit limit and clicks the Continue button.
The sender reviews the payment authorization details and clicks the Confirm button.
Amazon FPS creates the following and redirects the sender to the web site specified in the return URL:
- Credit instrument
- Sender token
- Settlement token