[ECP-9700] Validate installment payments with debit cards

[RgbOmniDev]

Description

Incorrect validation for installment payments with debit cards

Steps to reproduce

Description: In countries like Mexico, debit cards do not allow installment payments with no interest. Currently, the system permits selecting this option even with debit cards, which is incorrect. Additionally, if a user enters a debit card but selects "Credit Card" and chooses the installment option, the purchase should be automatically declined.

Steps to reproduce:

1. From the Magento admin panel, create a rule for installment payments with no interest in Adyen.
2. Add products to the cart and proceed to checkout.
3. Select the payment method, and in "Select debit or credit card," choose "Credit Card."
4. Enter details of a debit card and select the installment payment option, then complete the purchase.
5. Check in the Adyen dashboard—the "Number of installments" appears in the transaction.

Expected result: The installment option should not be available for debit cards, and purchases using debit cards with this option should be automatically declined.

Actual result: The installment option appears even with debit cards, and such purchases are accepted.

Additional case: What happens with saved tokenized cards? The installment option should only be available for credit cards, even if they are tokenized and saved. It should not be available for debit cards.

Actual behavior

The "Number of installments" option is not visible for debit cards. However, it is possible to select "Credit Card," enter details of a debit card, and complete the purchase with the installment option selected. This allows transactions with debit cards to be processed as if they support interest-free installments, which is incorrect in the given context.

Steps to replicate error

As step number one, data is obtained from a debit card

Debit card information is added, but even though the card is a debit card, the credit card option is selected (this will allow us to have interest-free installment options with a debit card).

We proceed to finalize the purchase

If we check the Adyen dashboard we can see that the purchase was made with a debit card, but that purchase was also allowed the option of interest-free months.

Expected behavior

here should be validation to prevent transactions from being completed using debit cards for interest-free installment payments. Specifically, the system should not allow debit cards to be selected or processed with installment options, and if a user attempts to do so, the transaction should be automatically declined. The "Number of installments" option should only be available and valid for credit cards.

Code snippet or screenshots (if applicable)

No response

Adyen Magento Plugin version

v9.18.0

Magento version

2.4.6-p9

Operating System

None

Browser (if applicable)

Chrome

Additional context and logs

No response