Does R12 Payments module support EMI processing of credit cards?

Hi All, There is a scenario where in End Consumer will come in and place an order (handled by R12 Order Management) and we will send the whole amount to CC company and a Hold will be applied on the CC for the whole amount. But the Consumer will choose to pay in installments to the CC Company. It means that we will send the invoices (or other means) to the CC company in installments. CC company will pay us irrespective of whether the Consumer pays CC Company or not. Is this feature already available in R12 or it requires customization?