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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.Business Center
Business Center
You can create a new customer-initiated transaction in the
Business Center
by
going to the One-Time Payments section and requesting a new authorization. When you
have entered the customer's information, you can store the customer's credentials
with the customer's permission in the Payment Information section. By doing so, you
can perform merchant-initiated transactions for payments that the customer has
pre-approved. For more information on how to perform a MIT in the
Business Center
,
see Merchant-Initiated No-Show Transaction with PAN.