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Customer-Initiated Transactions with Credentials on
File
A customer-initiated transaction (CIT) is a transaction initiated by the customer. There
are two types of CITs:
- Customer transactions during which the credentials are stored for futurecustomer-initiated transactions.
- Customer transactions during which the credentials are stored for futuremerchant-initiated transactions.
Customers can initiate a CIT at a merchant payment terminal, through an online purchase
transaction, or by making a purchase using a previously stored credential. When storing
cardholder data for a CIT, you must also include 3-D Secure authentication credentials
to ensure that the CIT can successfully process. Authentication credentials can be
stored for future use with the card credentials by doing a non-payment authentication
(NPA).
In Payment Services Directive-mandated regions, the CIT used to establish the credentials-on-file relationship for future MITs must be strongly authenticated. When performing
3-D Secure
authentication for the initial CIT, Cybersource
recommends requesting a challenge to ensure that the cardholder completes strong customer authentication and that the resulting authentication data can be used to support subsequent MIT processing.