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Standing Instruction Transactions
Standing instruction transactions are MITs that rely on stored credentials and follow
agreed‑upon customer instructions for scheduled or ongoing payments. These transactions
must comply with the stored credentials framework, which ensures secure storage and use
of customer payment data. All standing instruction transactions begin with a CIT, when
customers elect to store their credentials.
These standing instruction transactions and industry examples are available with your
processor:
- Unscheduled COF: Occasional, non‑scheduled charges that are made under a customer authorization for these industries:
- Rideshare and transportation: cleaning fees, damage fees
- Home services: irregular invoice-based jobs, such as repairs
- Professional services: unplanned billable hours or fees
- E‑commerce: back-order fulfillment outside a schedule
- Recurring: Repeated charges for ongoing services for these industries:
- Streaming services: video, music, gaming subscriptions
- Fitness and wellness: gym memberships, coaching subscriptions
- Insurance: monthly premiums
- Software and SaaS: business application licenses
- Subscription Transactions for Mastercard: Mastercard‑specific recurring billing for subscription‑based services for these industries:
- Digital media: news, magazines, premium content
- Subscription boxes: food kits, beauty boxes, hobby crates
- Online services: cloud storage, identity monitoring
- Educational platforms: e‑learning subscriptions
- Standing Order Transactions for Mastercard: Merchant‑initiated charges made at regular, agreed-upon intervals for these industries:
- Utilities: monthly electricity, water, gas payments
- Telecommunications: phone and internet service billing
- Loan and mortgage payments: fixed monthly obligations
- Charitable donations: recurring monthly contributions