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Customer-Initiated Recurring Payment with PAN

A recurring payment is a credentials-on-file (COF) transaction in a series of payments that you bill to a customer at a fixed amount, at regular intervals that do not exceed one year between transactions. The series of recurring payments is the result of an agreement between you and the customer for the purchase of goods or services that are provided at regular intervals.

Supported Card Types

These are the supported card types for processing credentialed transactions:

Mastercard

Visa

Mastercard uses standing order and subscription payments instead of recurring payments. See Mastercard Standing Order Payment and Mastercard Subscription Payment.

Recurring Billing Service for Recurring Payments

Do not use this document for the Recurring Billing service.

Use the

Recurring Billing Developer Guide

. When you use the Recurring Billing service, Cybersource saves and stores payment credentials for recurring transactions, ensuring compliance with COF best practices.

Address Verification Service for Recurring Payments

If your processor supports the Address Verification Service (AVS), then the AVS should verify every authorization request. Cybersource recommends checking the AVS's results for the first recurring payment to ensure that the payment information is accurate and to reduce the risk of fraud.

You must determine how to handle the AVS results for any subsequent recurring payments that are not the same as the already-verified billing address information from the first recurring payment.

Endpoint

Set the

ccAuthService_run

field to

true

Send the request to

https://ics2ws.ic3.com/commerce/1.x/transactionProcessor

Successful Response

Store the network transaction ID
, which is the

ccAuthReply_paymentNetworkTransactionID

field value, from the successful response message. You must include the network transaction ID in subsequent MIT authorization requests in order to associate the CIT to the MIT.

Required Fields for a Customer-Initiated Recurring Payment with PAN

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
card_expirationMonth
card_expirationYear
ccAuthService_commerceIndicator: Set the value to
internet
, a payer authentication value, or
MOTO
.
ccAuthService_firstRecurringPayment: Set the value to
true
.
ccAuthService_run: Set the value to
true
.
merchantID
merchantReferenceCode
purchaseTotals_currency
purchaseTotals_grandTotalAmount
subsequentAuthFirst: Set the value to
true
.
subsequentAuth: Set the value to
false
.

Simple Order Example: Customer-Initiated Recurring Payment with a PAN

Request

billTo_city=Foster City
billTo_country=US
[email protected]
billTo_firstname=John
billTo_lastname=Smith
billTo_state=CA
billTo_postalCode=94404
billTo_street1=201 S. Division St.
card_expirationMonth=12
card_expirationYear=2031
card_accountNumber=4111111111111111
ccAuthService_run=true
ccAuthService_commerceIndicator=internet
merchantId=pa_ctv_sg101
merchantReferenceCode=33557799
purchaseTotals_currency=ABC
purchaseTotals_grandTotalAmount=100.00
subsequentAuth=false
subsequentAuthFirst=true

Response to a Successful Request

requestID=6461515866500167772420
decision=ACCEPT
reasonCode=100
merchantReferenceCode=Merchant_REF
purchaseTotals_currency=ABC
cardCategory=FccAuthService_reconciliationID=ZUDCXJO8KZRFXQJJ
ccAuthReply_amount=100.00
ccAuthReply_avsCode=5
ccAuthReply_authorizationCode=570110
ccAuthReply_processorResponse=1
ccAuthReply_authorizedDateTime=2022-03-01T161947Z
ccAuthReply_paymentNetworkTransactionID=111222