Create Installment Plan

Once you are ready to check your customer out, you can use the Create endpoint. Create enables you to pass in PCI sensitive data directly to the Splitit API, and thus requires SAQ-D PCI certification.

A successful Create operation creates an authorization on a customer's credit card, and if AutoCapture has been set to true within the request body, both authorization and capture of the first installment will be completed (if AutoCapture is set to false, you will have to call Update Plan later). If Splitit is unable to successfully secure an authorization on a credit card, an error message will be returned in the response. Note that for funded plans, a customer's BillingAddress object must be filled out. In addition, if you are completely managing the input of PCI sensitive data on your side, it’s essential to ensure your customer has approved the Splitit specific terms and conditions.

Header Parameters
X-Splitit-IdempotencyKey string
X-Splitit-TestMode string Possible values: [None, Regular, Fast, Automation]

Request Body
AutoCapture boolean Indicates whether to capture the first installment automatically when creating the plan, or to wait for explicit indication to do the first capture (the default is true)
Attempt3dSecure boolean Indicates whether to run a 3D secure verification (default is false)
TermsAndConditionsAccepted boolean — REQUIRED Indicates that the shopper accepted your Terms and Conditions
Shopper object — REQUIRED FullName string Email string — REQUIRED PhoneNumber string Culture string
PlanData object — REQUIRED TotalAmount decimal — REQUIRED The total order amount Currency string — REQUIRED NumberOfInstallments int32 — REQUIRED When populated will be used to display as default in Payment Form TerminalId string — REQUIRED The merchant terminal identifier PurchaseMethod string Possible values: [InStore, PhoneOrder, ECommerce] How purchase was made (default is ECommerce) RefOrderNumber string Reference order number for merchant's use ExtendedParams object Additional data that can be added as key/value pair parameters by merchant (and later can be retrieved by GET) FirstInstallmentAmount decimal FirstInstallmentDate date-time
BillingAddress object AddressLine1 string AddressLine2 string City string Country string ISO 3166-3 code State string ISO 3166-2 code Zip string
PaymentMethod object — REQUIRED Type Possible values: [Card, SplititToken] Card object — REQUIRED CardHolderFullName string CardNumber string — REQUIRED CardExpYear string — REQUIRED CardExpMonth string — REQUIRED CardCvv string CardBrand string Possible values: [Mastercard, Visa, AmericanExpress, Maestro, JCB, CUP, UPI, Discover, Other] CardType string Possible values: [Credit, Debit, Charge, Other, Prepaid, VisaDeferredDebit, NetworkOnly] Token string
RedirectUrls object AuthorizeSucceeded string Succeeded string AuthorizeFailed string Failed string
EventsEndpoints object CreateSucceeded string

Responses
200 Success Schema — OPTIONAL InstallmentPlanNumber string — OPTIONAL DateCreated date-time RefOrderNumber string — OPTIONAL PurchaseMethod string — OPTIONAL Possible values: [InStore, PhoneOrder, ECommerce] How purchase was made (default is ECommerce) Status string Possible values: [Initialized, PendingCapture, Active, Cleared, Canceled] Currency string — OPTIONAL OriginalAmount decimal — OPTIONAL Amount decimal — OPTIONAL ExtendedParams object — OPTIONAL Authorization object — OPTIONAL Status string Possible values: [NA, Succeeded, Pending3DS, Failed] Date date-time — OPTIONAL SplititErrorResultCode string — OPTIONAL GatewayTransactionID string — OPTIONAL GatewayResultCode string — OPTIONAL GatewayResultMessage string — OPTIONAL ThreeDSRedirect object — OPTIONAL Url string — OPTIONAL Verb string — OPTIONAL Params object — OPTIONAL CAVV string — OPTIONAL ECI string — OPTIONAL Shopper object — OPTIONAL FullName string — OPTIONAL Email string PhoneNumber string — OPTIONAL Culture string — OPTIONAL BillingAddress object — OPTIONAL AddressLine string — OPTIONAL AddressLine2 string — OPTIONAL City string — OPTIONAL Country string — OPTIONAL ISO 3166 Country name OR 2-character code OR 3-character code State string — OPTIONAL ISO 3166-2 State Zip string — OPTIONAL PaymentMethod object — OPTIONAL Type — OPTIONAL Possible values: [Card, SplititToken] Card object CardHolderFullName string — OPTIONAL CardNumber string CardExpYear string CardExpMonth string CardCvv string — OPTIONAL CardBrand string — OPTIONAL Possible values: [Mastercard, Visa, AmericanExpress, Maestro, JCB, CUP, UPI, Discover, Other] CardType string — OPTIONAL Possible values: [Credit, Debit, Charge, Other, Prepaid, VisaDeferredDebit, NetworkOnly] Token string — OPTIONAL Installments object[] — OPTIONAL InstallmentNumber int32 Amount decimal ProcessDateTime date-time — OPTIONAL Status string Possible values: [Pending, Processed, Canceled] Links object — OPTIONAL Checkout string — OPTIONAL LearnMore string — OPTIONAL TermsConditions string — OPTIONAL PrivacyPolicy string — OPTIONAL
401 Unauthorized Request: Token is not authorized or is expired Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
403 Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
404 Resource Does Not Exist: Plan or service does not exist; for all APIs, if an invalid plan number is passed in the URL, this error will be returned Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
500 General Server Error: Server encountered an unexpected condition Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-503 InvalidInstallmentPlanStatus: Please close this window. Then click 'Splitit Payment' to create your payment plan (you haven't been charged yet). Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-504 InvalidCCCardTypeNotSupported: Sorry, but we do not accept debit cards. We can only accept Visa and MasterCard credit cards at this time. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-505 InvalidNumberOfInstallments: The number of installments is not available at this store. Please check available options and try again. Thank you! Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-510 InvalidCardholderName: The cardholder name must include at least 3 characters. Please check and try again Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-511 InvalidAmount: Invalid amount sent, such as below your minimum amount or above your maximum amount. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-520 InvalidCVV: The CVV number must include at least 3 characters. Please check and try again. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-521 InvalidCardNumber: This credit card number is not valid. Please check your card and try again. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-522 InvalidExpirationDate: The entered expiration date is not a valid date. Please check your card and try again. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-524 InvalidEmailFormat: Invalid email. Please check that the email address is entered in the correct format. (For example: name@mail.com) Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-526 InvalidZIPCode: The ZIP code must include at least 3 characters. Please check and try again. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-528 InvalidCCIssueCountryNotSupportedByTerminal: We are sorry, but we currently do not accept cards issued by this country. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-529 CurrencyNotSupported: We are sorry, but we currently do not accept this currency. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-532 CountrySubdivisionNotSupported: Sorry, but Splitit is currently not available in your state. Please contact Splitit's customer service desk for help Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-540 InvalidExpirationDateFormat: Please enter the expiration date as MM/DD/YYYY. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-542 InvalidCCCardBrandNotSupported: Sorry but we do not accept this type of credit card. Please use {{SupportedCardBrands}} to complete your purchase. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-543 ApprovePlan_NoApprovalEvidence: Evidence of customer approval not provided. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-544 PlanWithTheSamePaymentDataAlreadyBeenCreatedLately: A similar purchase has been processed with this credit card. Please contact your merchant's customer support number for more information. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-550 CultureNameNotValid: Culture (language used in interfaces and communications) not valid. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-551 CultureNotSupported: Culture (language used in interfaces and communications) not supported. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-554 UnknownZipCode: The ZIP code you entered is not valid. Please try again. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-566 AddressDataIsMissingOrPartiallyInitiated: Please enter the cardholder's complete address. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-567 CardHolderNameIsMissing: Please enter the cardholder's name. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-568 CardNumberIsMissing: Please enter the full credit card number. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-569 CardExpirationMonthIsMissing: Please enter the credit card's expiration month. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-570 CardExpirationYearIsMissing: Please insert credit card's expiration year. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-571 NumberOfInstallmentNotDefined: Please select the number of installments for this purchase. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-572 InvalidStateCode: We were unable to find this state code. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-573 EmailsMissing: Please enter your email address. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-574 ConsumerFullNameIsMissing: Please enter your full name. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-575 CurrencyMustBeDefinedOnTransaction: Please select the currency you wish to use. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-578 InvalidPlanStrategy: We are sorry for the inconvenience, but this plan is not available. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-580 InvalidCcPrepaidCardNotSupported: We do not currently accept prepaid cards, but we do accept credit cards. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-594 FraudDetected: Sorry, but we were unable to process your payment. Please reach out to our customer support team at support@splitit.com. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-595 PhoneIsMissing: Please enter your phone number. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-596 InvalidPhoneFormat: Please enter your phone number in this format: +1-321-555-1234. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-599 General Error: Sorry. There has been an error. Please try again. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-600 GtwyResultGeneralError: Gateway was unable to process this request. Please try using a different card. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-601 GtwyResultCCDataAVSZip: The ZIP code you entered is not valid. Please try again. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-602 GtwyResultCCDataAVSAddress: The address does not match. Please check your card and try again. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-603 GtwyResultCCDataCVV: The CVV number does not match. Please check your card and try again. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-606 GtwyResultCCDataAVS: Address or zip/post code failed validation. Please try again. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-607 GtwyResultCCDataNumber: This credit card number is not valid. Please check your card and try again. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-608 GtwyResultCCDataGeneralProblem: Sorry, but your card was not able to be processed. Please try a different card. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-609 GtwyResultCCDataInsufficientFunds: Sorry, but there is not enough available credit on this card to cover the full amount of your purchase. Please try a different card. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-610 GtwyResultCCWasDeclined: Sorry, but your card was not accepted. Please try a different card. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-630 GtwyConnectivityProblem: Sorry, but there was an error processing your payment. Please try again. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-640 GtwyMerchantDataProblem: Sorry, but there has been a processing error with this merchant. Please contact our support for assistance. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-641 Gtwy3DSRequired: 3D secure verification is required. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-806 TerminalApiKeyMissing: Terminal ID not found. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-1041 IdempotencyHashMismatchError: Same Idempotency key with different payload identified. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-5041 InvalidCCCardTypeNotSupportedMoreThanXInstallments: {{CardType}} cards support only up to {{MaxInstallmentsLimit}} installments. Please reduce the number of installments or provide payment details for a supported credit card. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-5042 InvalidCCCardTypeNotSupportedMoreThanXAmount: {{CardType}} cards are only supported for purchases up to {{Currency}}{{MaxPlanAmount}}. Please provide payment details for a credit card in order to support your total purchase amount. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-5421 InvalidCCCardBrandNotSupportedMoreThanXInstallments: {{CardBrand}} cards are supported only up to {{MaxInstallmentsLimit}} installments. Please reduce the number of installments or provide payment details for a supported credit card. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-5422 InvalidCCCardBrandNotSupportedMoreThanXAmount: {{CardBrand}} cards are only supported for purchases up to {{Currency}}{{MaxPlanAmount}}. Please try a different card. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-5801 InvalidCcPrepaidCardNotSupportedMoreThanXInstallments: {{CardType}} cards allow a maximum of {{MaxInstallmentsLimit}} installments. Please choose fewer installments or try a different credit card. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-5802 InvalidCcPrepaidCardNotSupportedMoreThanXAmount: The maximum purchase for {{CardType}} cards is {{Currency}}{{MaxPlanAmount}}. Please try a different card. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-5911 PlanContextNotValidForAmount: Purchase is only supported for up to {{Currency}}{{MaxPlanAmount}}. Please provide payment details for a credit card in order to support your total purchase amount. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL
400-5982 PlanContextNotValidForAmount: Purchase is only supported for up to {{Currency}}{{MaxPlanAmount}}. Please provide payment details for a credit card in order to support your total purchase amount. Schema — OPTIONAL TraceId string — OPTIONAL Error object — OPTIONAL Code string — OPTIONAL Message string — OPTIONAL AdditionalInfo string — OPTIONAL ExtraData object — OPTIONAL