Credentialed Transactions Developer Guide {#credentials-about-guide} ==================================================================== This section describes how to use this developer guide and where to find further information. Audience and Purpose : This guide is written for application developers who want to use the `Simple Order API` to integrate payment card processing using credentials into an order management system. Implementing the `Cybersource` payment services requires software development skills. You must write code that uses the API request and response fields to integrate the credit card services into your existing order management system. Visit the [`Cybersource` documentation hub](https://developer.cybersource.com/docs.md "") to find additional processor-specific versions of this guide and additional technical documentation. Convention : This statement appears in this document: > An *Important* statement contains information essential to successfully completing a task or learning a concept. Customer Support : For support information about any service, visit the Support Center: Recent Revisions to This Document {#credentials-doc-revisions} ============================================================== 26.08.01 -------- Subsequent Transactions : Added an important note about the subsequentAuthTransactionID field. See [Transaction-Specific Fields](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-intro/credentials-matrix.md ""). Strong Customer Authentication for CITs : Added an important note. See [Customer-Initiated Transactions with Credentials on File](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-cit-intro.md ""). Mastercard Standing Order Payment : Added these MIT transactions: * [Merchant-Initiated Mastercard Standing Order Payment with PAN](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-mit-stand-order-intro/credentials-mc-standorder-mit-pan-intro.md "") {#credentials-doc-revisions_ul_kwp_sgp_w3c} Mastercard Subscription Payments : Added these MIT transactions: * [Merchant-Initiated Mastercard Subscription Payment with PAN](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-mc-subscription-intro/credentials-mc-subscription-mit-pan-intro.md "") {#credentials-doc-revisions_ul_jqv_4gp_w3c} 26.02.01 -------- Added industry and use case information to the introduction topics. See [Industry Practice Transactions](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-intro/credentials-mit-industry.md "") and [Standing Instruction Transactions](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-intro/credentials-intro-stdinst.md ""). 25.12.01 -------- This revision contains only editorial changes and no technical updates. 25.11.01 -------- Removed Mastercard required field for retrieving customer credentials during a CIT request. See [Using Stored Customer Credentials During a CIT](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-cit-intro/credentials-cit-using-intro.md ""). Introduction to Credentialed Transactions {#credentials-intro} ============================================================== Credentialed transactions, also known as credentials‑on‑file (COF) or card‑on‑file transactions, are payments that either store a customer's payment credentials for future use or use previously stored credentials to complete a transaction. All COF transactions begin with a customer-initiated transaction, in which the customer actively participates, such as a card‑present purchase, online checkout, or use of a stored credential. Benefits of Credentialed Transactions ------------------------------------- Merchants following the stored credentials framework experience these benefits: * Better visibility into transaction risk. * Improved authorization success rates. * A smoother customer experience. * Fewer disputes and customer complaints. * Use of Real Time Visa Account Updater for fresher card details. For more information on the stored credentials framework, see [Improving Authorization Management for Transactions with Stored Credentials](https://usa.visa.com/dam/VCOM/global/support-legal/documents/stored-credential-transaction-framework-vbs-10-may-17.pdf ""). Types of Credentialed Transactions ---------------------------------- There are several types of credentialed transactions: * **Customer-initiated transaction (CIT):** During a CIT, customers can elect to have their credentials stored for future CITs or for merchant‑initiated transactions (MITs). * **Merchant-initiated transaction (MIT):** A MIT is processed without the customer's active involvement and include these transactions: * **Industry practice transaction:** This MIT is performed as a subsequent transaction to a CIT because the initial transaction could not be completed in one transaction. Not every industry practice transaction involves a stored credential. If a stored credential is used only for one transaction, that transaction is not considered a credentialed transaction. * **Standing instruction transactions:** This MIT is performed to follow agreed-upon instructions from the customer for the provision of goods and services. Industry Practice Transactions {#credentials-mit-industry} ========================================================== Industry practice transactions are MITs performed as follow‑on actions to a previous CIT. Although not all of them require stored credentials, repeated use of credentials qualifies them as COF transactions. These industry practice transactions and industry examples are available with your processor: * [Delayed charges](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-delay-intro/credentials-delay-mit-pan-intro.md ""): Used to add charges after the initial transaction is complete. Examples: hotels (minibar, damages), car rentals (tolls), travel (post-trip charges), and health and wellness add-ons. * [Reauthorizations](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-reauth-intro/credentials-mit-reauth-intro.md ""): Used when an authorization expires before fulfillment. Examples: long hotel stays, extended rental agreements, multi-week equipment rentals, and delayed subscription boxes. * [Resubmissions](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-resub-intro/credentials-mit-resub-intro.md ""): Used when a previous authorization attempt fails. Examples: utility auto-pay retries, telecom billing, insurance premiums, and online membership renewals. * [No-shows](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-noshow-intro/credentials-mit-noshow-intro.md ""): Used when a customer fails to appear for a reserved service for these industries: hotels, rentals, healthcare missed appointments, and restaurant reservation deposits. `Business Center` Transactions ------------------------------ You can create an industry practice transaction in the `Business Center` by requesting a new authorization. Go to the Transaction Management section and confirm that the new authorization is a MIT. Choose one of these reasons for the authorization: * Account Top Up * Delayed Charges * No Show * Reauthorization * Resubmission These options are not available through all processors. This process requires you to have already stored the customer's credentials from a previous customer-initiated transaction. For more information on storing a customer's credentials in the `Business Center`, see [Customer-Initiated Transactions with Credentials on File](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-cit-intro.md ""). Standing Instruction Transactions {#credentials-intro-stdinst} ============================================================== 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: * [Installments](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-install-intro.md ""): A fixed purchase that is split into multiple scheduled payments for these industries: * Retail and electronics: installment plans for device purchases * Furniture and home goods: multi‑month payment plans * Education: tuition installment schedules * Healthcare financing: payment plans for procedures * [Recurring](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-recur-intro.md ""): 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 * [Standing Order Transactions for Mastercard](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-mit-stand-order-intro.md ""): 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 * [Subscription Transactions for Mastercard](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-mc-subscription-intro.md ""): 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 * [Unscheduled COF](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-ucof-intro.md ""): 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 Requirements for Standing Instruction Transactions {#credentials-reqs} ====================================================================== Merchants who offer stored credentials must: * Disclose to cardholders how their credentials will be used. * Obtain the customer's consent to store their credentials. * Notify customers when the terms of use change. * Inform the card issuer during an authorization that the credentials are stored on file. * Identify all transactions that use stored credentials. {#credentials-reqs_ul_j2t_dqy_3tb} Recurring Billing for Recurring Payments {#credentials-mit-recur-rb} ==================================================================== If you are using the Recurring Billing service, do not use this document. `Cybersource` saves and stores payment credentials for recurring transactions, ensuring compliance with COF best practices. For more information on Recurring Billing, see *[Recurring Billing](https://developer.cybersource.com/docs/cybs/en-us/recurring-billing/developer/all/rest/recurring-billing-developer/recur-bill-services-intro.md "")*. Transaction-Specific Fields {#credentials-matrix} ================================================= To make an authorization request into a credentialed transaction, you must include additional fields that inform `Cybersource` to either store the customer's payment information for future use, or to use an already stored card-on-file for the payment. This section describes the additional required fields that create an initial and subsequent credentialed transaction. Initial Transactions -------------------- For an initial transaction, include these fields with a standard authorization request: [ccAuthService_commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-commerce-indicator.md "") : Set to one of these possible values: * `internet`: online transaction. * `MOTO`: mail order/telephone order transaction. * A payer authentication value. See [Payer Authentication Values](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-ref-info-payerauth.md ""). [subsequentAuthFirst](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-first.md "") : Set the value to `true`. [subsequentAuthReason](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-reason.md "") : Some processors and card types require a reason code when storing payment credentials. ``` <ccAuthService run="true"> <commerceIndicator>internet</commerceIndicator> </ccAuthService> <subsequentAuth>false</subsequentAuth> <subsequentAuthFirst>true</subsequentAuthFirst> <subsequentAuthReason>7</subsequentAuthReason> ``` When you receive the initial transaction response, save the transaction identifier, which is located in the ccAuthReply_paymentNetworkTransactionID field. You need the transaction identifier for subsequent transactions. If you are using the Token Management Service (TMS), `Cybersource` stores the transaction identifier for you. Subsequent Transactions {#credentials-matrix_creds-subsequent-trxns} -------------------------------------------------------------------- For a subsequent transaction, include these fields with a standard authorization request: [ccAuthService_commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-commerce-indicator.md "") : Set to one of these possible values: * `internet`: online transaction. * `MOTO`: mail order/telephone order transaction. * A payer authentication value. See [Payer Authentication Values](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-ref-info-payerauth.md ""). [subsequentAuthFirst](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-first.md "") : Set the value to `true`. [subsequentAuthReason](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-reason.md "") : Some processors and card types require a reason code when storing payment credentials. [subsequentAuthTransactionID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-transaction-id.md "") : Set the value to the transaction ID from the original transaction. > For merchant-initiated transaction (MIT) card-on-file (COF) processing, store and submit the original transaction identifier (OTID) or network transaction identifier (NTID) associated with each billing agreement rather than relying on values stored in ` Token Management Service ` (` TMS `). Merchant-supplied OTID and NTID values take precedence over ` TMS `-stored values and help ensure that the correct transaction identifier is used, particularly when multiple billing agreements share the same payment token or primary account number (PAN). ``` <ccAuthService run="true"> <commerceIndicator></commerceIndicator> </ccAuthService> <subsequentAuthFirst>true</subsequentAuthFirst> <subsequentAuthReason>7</subsequentAuthReason> <subsequentAuthTransactionID>123456789123</subsequentAuthTransactionID> <subsequentAuthStoredCredential>true</subsequentAuthStoredCredential> ``` {#credentials-matrix_codeblock_hvr_gyb_tvb} Customer-Initiated Transactions with Credentials on File {#credentials-cit-intro} ================================================================================= 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 future **customer**-initiated transactions. * Customer transactions during which the credentials are stored for future **merchant**-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` ----------------- 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](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-noshow-intro/credentials-mit-noshow-intro.md ""). Storing Customer Credentials with a CIT and PAN {#credentials-cit-storing-intro} ================================================================================ Before you can perform a merchant-initiated transaction (MIT) or a customer-initiated transaction (CIT) with credentials-on-file (COF), you must store the customer's credentials for later use. Further, before you can store the user's credentials, you must get the customer's consent to store their private information. This is also known as establishing a relationship with the customer. Endpoint {#credentials-cit-storing-intro_d8e16} ----------------------------------------------- Set the ccAuthService_run field to `true`. Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`. Required Fields for Storing Customer Credentials During a CIT {#credentials-cit-storing-required} ================================================================================================= [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuthFirst](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-first.md "") : Set the value to `true`. Simple Order Example: Storing Customer Credentials During a CIT {#credentials-cit-storing-ex-so} ================================================================================================ Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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 merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=ABC purchaseTotals_grandTotalAmount=100.00 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 ``` Using Stored Customer Credentials During a CIT {#credentials-cit-using-intro} ============================================================================= After customers store their credentials on file, you can retrieve these credentials to use with subsequent transactions when the customer is present. Endpoint {#credentials-cit-using-intro_d8e16} --------------------------------------------- Set the ccAuthService_run field to `true`. Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`. Required Fields for Using Customer Credentials During a CIT {#credentials-cit-using-required} ============================================================================================= [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuthStoredCredential](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-stored-credential.md "") : Set the value to `true`. Card-Specific Required Field for Retrieving Customer Credentials During a MIT {#credentials-install-mit-card-type} ================================================================================================================== Discover -------- Discover requires the authorization amount from the original transaction in addition to the above required fields. subsequentAuthOriginalAmount : Simple Order Example: Using Customer Credentials During a CIT {#credentials-cit-using-ex-so} ============================================================================================ Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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 merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=ABC purchaseTotals_grandTotalAmount=100.00 subsequentAuthStoredCredential=true ``` {#credentials-cit-using-ex-so_codeblock_bzb_nn1_45b} 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 ``` {#credentials-cit-using-ex-so_codeblock_czb_nn1_45b} Delayed Transaction {#credentials-delay-intro} ============================================== Delayed charge transaction is performed to process a supplemental account charge after original services have been rendered and respective payment has been processed. This section describes how to process a merchant-initiated delayed transaction, also known as a delayed charge, using these payment types: * [Merchant-Initiated Delayed Transaction with PAN](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-delay-intro/credentials-delay-mit-pan-intro.md "") Merchant-Initiated Delayed Transaction with PAN {#credentials-delay-mit-pan-intro} ================================================================================== Delayed charge transaction is performed to process a supplemental account charge after original services have been rendered and respective payment has been processed. Supported Card Types -------------------- These are the supported card types for processing credentialed transactions: * Discover{#credentials-delay-mit-pan-intro_d7e156} {#credentials-delay-mit-pan-intro_d7e156} * Mastercard{#credentials-delay-mit-pan-intro_d7e159} {#credentials-delay-mit-pan-intro_d7e159} * Visa{#credentials-delay-mit-pan-intro_d7e162} {#credentials-delay-mit-pan-intro_d7e162} Endpoint {#credentials-delay-mit-pan-intro_d8e16} ------------------------------------------------- Set the ccAuthService_run field to `true`. Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`. Required Fields for a Merchant-Initiated Delayed Transaction {#credentials-delay-mit-pan-req-fields} ==================================================================================================== [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [processorTransId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/processor-trans-id.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth.md "") : Set the value to `true`. {#credentials-delay-mit-pan-req-fields_dl_ksr_jwl_bwb} [subsequentAuthReason](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-reason.md "") : Set the value to `2`. {#credentials-delay-mit-pan-req-fields_dl_qqg_nr1_45b} Card-Specific Required Field for a Merchant-Initiated Transaction {#credentials-mit-common-intro-card} ====================================================================================================== Discover -------- This card requires an additional field: subsequentAuthOriginalAmount : Set the value to the original transaction amount. Simple Order Example: Merchant-Initiated Delayed Authorization {#credentials-delay-mit-pan-ex-so} ================================================================================================= Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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=install merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=ABC purchaseTotals_grandTotalAmount=100.00 subsequentAuth=true subsequentAuthReason=2 ``` {#credentials-delay-mit-pan-ex-so_codeblock_nnf_fp1_45b} 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 ``` {#credentials-delay-mit-pan-ex-so_codeblock_onf_fp1_45b} Reauthorization Transaction {#credentials-reauth-intro} ======================================================= A reauthorization occurs when the completion or fulfillment of the original order or service extends beyond the authorized amount time limit. There are two common reauthorization scenarios: * Split or delayed shipments by a retailer * Extended car rentals, hotel stays, or cruise line bookings This section describes how to process a reauthorization transaction using these payment methods: * [Merchant-Initiated Reauthorization Transaction with PAN](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-reauth-intro/credentials-mit-reauth-intro.md "") Merchant-Initiated Reauthorization Transaction with PAN {#credentials-mit-reauth-intro} ======================================================================================= A reauthorization occurs when the completion or fulfillment of the original order or service extends beyond the authorized amount time limit. There are two common reauthorization scenarios: * Split or delayed shipments by a retailer * Extended car rentals, hotel stays, or cruise line bookings Endpoint {#credentials-mit-reauth-intro_d8e16} ---------------------------------------------- Set the ccAuthService_run field to `true`. Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`. Required Fields for a Merchant-Initiated Reauthorized Transaction {#credentials-mit-reauth-required} ==================================================================================================== [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [processorTransId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/processor-trans-id.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuthReason](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-reason.md "") : Set the value to `3`. [subsequentAuth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth.md "") : Set the value to `true`. {#credentials-mit-reauth-required_dl_e4b_hwl_bwb} Simple Order Example: Merchant-Initiated Reauthorized Transaction {#credentials-mit-reauth-ex-so} ================================================================================================= Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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=install merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=ABC purchaseTotals_grandTotalAmount=100.00 subsequentAuth=true subsequentAuthReason=3 ``` {#credentials-mit-reauth-ex-so_codeblock_bfg_cp1_45b} 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 ``` {#credentials-mit-reauth-ex-so_codeblock_cfg_cp1_45b} Resubmission Transaction {#credentials-resub-intro} =================================================== A resubmission transaction is an authorization that you resubmit to recover an outstanding debt from the customer. A common scenario is when a card was initially declined due to insufficient funds, but the goods or services were already delivered to the customer. You can request the resubmission transaction with a PAN or a TMS token. Merchant-Initiated Resubmission Transaction with PAN {#credentials-mit-resub-intro} =================================================================================== A resubmission transaction is an authorization that you resubmit to recover an outstanding debt from the customer. A common scenario is when a card was initially declined due to insufficient funds, but the goods or services were already delivered to the customer. Supported Card Types -------------------- These are the supported card types for processing credentialed transactions: * Discover{#credentials-mit-resub-intro_d7e156} {#credentials-mit-resub-intro_d7e156} * Mastercard{#credentials-mit-resub-intro_d7e159} {#credentials-mit-resub-intro_d7e159} * Visa{#credentials-mit-resub-intro_d7e162} {#credentials-mit-resub-intro_d7e162} Endpoint {#credentials-mit-resub-intro_d8e16} --------------------------------------------- Set the ccAuthService_run field to `true`. Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`. Required Fields for a Merchant-Initiated Resubmitted Transaction {#credentials-mit-resub-required} ================================================================================================== [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [processorTransId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/processor-trans-id.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuthReason](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-reason.md "") : Set the value to `1`. [subsequentAuth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth.md "") : Set the value to `true`. {#credentials-mit-resub-required_dl_pwc_gwl_bwb} Simple Order Example: Merchant-Initiated Resubmitted Transaction {#credentials-mit-resub-ex-so} =============================================================================================== Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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=install merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=ABC purchaseTotals_grandTotalAmount=100.00 subsequentAuth=true subsequentAuthReason=1 ``` {#credentials-mit-resub-ex-so_codeblock_ujl_v41_45b} 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 ``` {#credentials-mit-resub-ex-so_codeblock_vjl_v41_45b} No-Show Transactions {#credentials-noshow-intro} ================================================ A no-show authorization occurs when a merchant charges a customer after the customer makes a reservation, and does not show up to claim the reservation. In this situation, the customer is charged an agreed upon fee for not showing up as expected. This section describes how to process a merchant-initiated no-show transaction using these payment types: * [Merchant-Initiated No-Show Transaction with PAN](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-noshow-intro/credentials-mit-noshow-intro.md "") Merchant-Initiated No-Show Transaction with PAN {#credentials-mit-noshow-intro} =============================================================================== A no-show authorization occurs when a merchant charges a customer after the customer makes a reservation, and does not show up to claim the reservation. In this situation, the customer is charged an agreed upon fee for not showing up as expected. Supported Card Types -------------------- These are the supported card types for processing credentialed transactions: * Discover{#credentials-mit-noshow-intro_d7e156} {#credentials-mit-noshow-intro_d7e156} * Mastercard{#credentials-mit-noshow-intro_d7e159} {#credentials-mit-noshow-intro_d7e159} * Visa{#credentials-mit-noshow-intro_d7e162} {#credentials-mit-noshow-intro_d7e162} Endpoint {#credentials-mit-noshow-intro_d8e16} ---------------------------------------------- Set the ccAuthService_run field to `true`. Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`. Required Fields for a Merchant-Initiated No-Show Charges {#credentials-mit-noshow-required} =========================================================================================== [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [processorTransId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/processor-trans-id.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") [subsequentAuthReason](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-reason.md "") : Set the value to `4`. : Required only for Discover, Mastercard, and Visa. [subsequentAuth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth.md "") : Set the value to `true`. Optional Field for a Merchant-Initiated No-Show Charge {#credentials-mit-noshow-optional} ========================================================================================= You can use these optional fields to include additional information when authorizing a request for an MIT no-show charge: subsequentAuthStoredCredential : If the payment information is COF information, set the value to `true`. Related Information ------------------- * [API field reference guide for the Simple Order API](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/api-fields-so-intro.md "") Simple Order Example: Merchant-Initiated No-Show Transaction {#credentials-mit-noshow-ex-so} ============================================================================================ Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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=install merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=ABC purchaseTotals_grandTotalAmount=100.00 subsequentAuth=true subsequentAuthReason=4 ``` 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 ``` Installment Payments {#credentials-install-intro} ================================================= An installment payment is a single purchase of goods or services billed to a customer in multiple transactions over a period of time agreed to by you and the customer. The agreement enables you to charge a specific amount at specified intervals. Installments Service for Installment Payments {#credentials-install-intro_install-service} ------------------------------------------------------------------------------------------ Do not use this document if you are using the Installments service. When using the Installments service, ` Cybersource ` saves and stores payment credentials for installment transactions, ensuring compliance with COF best practices. Customer-Initiated Installment Payments with PAN {#credentials-mit-cit-install-initial-intro} ============================================================================================= An installment payment is a single purchase of goods or services billed to a customer in multiple transactions over a period of time agreed to by you and the customer, and sometimes, the issuing bank. The agreement enables you to charge a specific amount at specified intervals. For customers, installment payments provide greater purchasing power and lower impact on their monthly budget. For you, offering installment payments at checkout can help increase the number of successfully completed purchases. Before you can accept installment payments, you and your acquirer must agree on the maximum number of installments you can accept, which can be different for each card type. > Do not use this document if you are using the Installments service. When using the Installments service, ` Cybersource ` saves and stores payment credentials for installment transactions, ensuring compliance with COF best practices. Supported Card Types -------------------- These are the supported card types for processing credentialed transactions: * Discover * Mastercard * Visa Endpoint {#credentials-mit-cit-install-initial-intro_d8e16} ----------------------------------------------------------- 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 Initial Customer-Initiated Installment Payment with a PAN {#credentials-mit-install-initial-reqfields} ========================================================================================================================== [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-commerce-indicator.md "") : Set the value to `internet`, `MOTO`, or a payer authentication value. [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuthFirst](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-first.md "") : Set the value to `true`. [subsequentAuth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth.md "") : Set the value to `false`. Card-Specific Required Fields for an Initial Installment Payment {#credentials-mit-install-initial-reqfields_initial-cit-card} ------------------------------------------------------------------------------------------------------------------------------ Use this required field if you are authorizing an initial installment payment using the card type referenced below. Mastercard : subsequentAuthReason : Set the value to `9`. Simple Order Example: Initial Customer-Initiated Installment Payment with a PAN {#credentials-mit-install-initial-ex-so} ======================================================================================================================== Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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 ``` Merchant-Initiated Installment Payments with PAN {#credentials-mit-install-subsequent-intro} ============================================================================================ After the initial CIT installment payment, subsequent installment payments are merchant-initiated transactions (MITs). Prerequisites ------------- The first transaction in an installment payment is a *customer-initiated transaction* (CIT). Before you can perform a subsequent *merchant-initiated transaction* (MIT), you must store the customer's credentials for later use. Before you can store the user's credentials, you must get the customer's consent to store their private information. This process is also known as establishing a relationship with the customer. Supported Card Types -------------------- These are the supported card types for processing credentialed transactions: * Discover{#credentials-mit-install-subsequent-intro_d7e156} {#credentials-mit-install-subsequent-intro_d7e156} * Mastercard{#credentials-mit-install-subsequent-intro_d7e159} {#credentials-mit-install-subsequent-intro_d7e159} * Visa{#credentials-mit-install-subsequent-intro_d7e162} {#credentials-mit-install-subsequent-intro_d7e162} Endpoint {#credentials-mit-install-subsequent-intro_d8e16} ---------------------------------------------------------- Set the ccAuthService_run field to `true`. Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`. Required Fields for a Merchant-Initiated Subsequent Installment Payment {#credentials-mit-install-reqfields} ============================================================================================================ [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-commerce-indicator.md "") : Set the value to `install`. [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [processorTransId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/processor-trans-id.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth.md "") : Set the value to `true`. [subsequentAuthStoredCredential](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-stored-credential.md "") : Set the value to `true`. {#credentials-mit-install-reqfields_dl_ttz_cwl_bwb} Simple Order Example: Merchant-Initiated Subsequent Installment Payment {#credentials-mit-install-ex-so} ======================================================================================================== Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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_commerceIndicator=install merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=ABC purchaseTotals_grandTotalAmount=100.00 subsequentAuth=true subsequentAuthOriginalAmount=100.00 //This field is for Discover only. subsequentAuthReason=9 subsequentAuthStoredCredential=true subsequentAuthTransactionID=23976974322 ``` Response to a Successful Response ``` 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 ``` {#credentials-mit-install-ex-so_codeblock_dxc_wtw_v5b} Recurring Payments {#credentials-recur-intro} ============================================= A recurring payment is a credentials-on-file (COF) transaction in a series of payments that you bill to a customer for 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. Recurring payments are also known as *subscriptions*. Mastercard uses standing order and subscription payments instead of recurring payments. See [Mastercard Standing Order Payment](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-mit-stand-order-intro.md "") and [Mastercard Subscription Payment](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-mc-subscription-intro.md ""). Recurring Billing Service for Recurring Payments ------------------------------------------------ > Do not use this document for the Recurring Billing service. > Use the [Recurring Billing Developer Guide](https://developer.cybersource.com/docs/cybs/en-us/recurring-billing/developer/all/rest/recurring-billing/recur-bill-dev-intro.md ""). When you use the Recurring Billing service, ` Cybersource ` saves and stores payment credentials for recurring transactions, ensuring compliance with COF best practices. Customer-Initiated Recurring Payment with PAN {#credentials-recur-cit-pan-intro} ================================================================================ 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: * Discover * Mastercard * Visa Mastercard uses standing order and subscription payments instead of recurring payments. See [Mastercard Standing Order Payment](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-mit-stand-order-intro.md "") and [Mastercard Subscription Payment](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-mc-subscription-intro.md ""). Recurring Billing Service for Recurring Payments ------------------------------------------------ > Do not use this document for the Recurring Billing service. > Use the [Recurring Billing Developer Guide](https://developer.cybersource.com/docs/cybs/en-us/recurring-billing/developer/all/rest/recurring-billing/recur-bill-dev-intro.md ""). 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 {#credentials-recur-cit-pan-intro_d8e16} ------------------------------------------------- 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 {#credentials-recur-cit-pan-reqfields} ========================================================================================================== [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-commerce-indicator.md "") : Set the value to `internet`, a payer authentication value, or `MOTO`. [ccAuthService_firstRecurringPayment](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-first-recurring-payment.md "") : Set the value to `true`. [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuthFirst](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-first.md "") : Set the value to `true`. [subsequentAuth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth.md "") : Set the value to `false`. Simple Order Example: Customer-Initiated Recurring Payment with a PAN {#credentials-recur-cit-pan-ex-so} ======================================================================================================== Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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 ``` {#credentials-recur-cit-pan-ex-so_codeblock_u3n_wtw_v5b} Merchant-Initiated Recurring Payments with PAN {#credentials-recur-mit-pan-intro} ================================================================================= After the initial recurring payment (CIT), subsequent recurring payments are merchant-initiated transactions (MITs). Prerequisites ------------- The first transaction in a recurring payment is a customer-initiated transaction (CIT). Before you can perform a subsequent merchant-initiated transaction (MIT), you must store the customer's credentials for later use. Before you can store the customer's credentials, you must get their consent to store their private information. This is also known as establishing a relationship with the customer. Supported Card Types -------------------- These are the supported card types for processing credentialed transactions: * Discover * Mastercard * Visa Mastercard uses standing order and subscription payments instead of recurring payments. See [Mastercard Standing Order Payment](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-mit-stand-order-intro.md "") and [Mastercard Subscription Payment](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-mc-subscription-intro.md ""). 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 {#credentials-recur-mit-pan-intro_d8e16} ------------------------------------------------- Set the ccAuthService_run field to `true`. Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`. Required Fields for a Merchant-Initiated Recurring Payment {#credentials-recur-mit-pan-reqfields} ================================================================================================= [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-commerce-indicator.md "") : Set the value to `recurring`. [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [subsequentAuthTransactionID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-transaction-id.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuthStoredCredential](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-stored-credential.md "") : Set the value to `true`. [subsequentAuth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth.md "") : Set the value to `true`. Card-Specific Required Fields for a Subsequent Recurring Payment {#credentials-recur-mit-card-type} =================================================================================================== Some card companies require additional information when making authorizations with stored credentials. Discover -------- Include the authorization amount from the original transaction in this field: subsequentAuthOriginalAmount : Mastercard ---------- Mastercard supports subscription and standing order payments instead of recurring payments. See [Mastercard Subscription Payment](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-mc-subscription-intro.md "") and [Mastercard Standing Order Payment](/docs/cybs/en-us/credentials/developer/smartfdc/so/credentials/credentials-mit-stand-order-intro.md ""). Simple Order Example: Merchant-Initiated Recurring Payment {#credentials-recur-mit-pan-ex-so} ============================================================================================= Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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_commerceIndicator=recurring merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=ABC purchaseTotals_grandTotalAmount=100.00 subsequentAuth=true subsequentAuthOriginalAmount=100.00 //This field is for Discover only. subsequentAuthReason=7 subsequentAuthStoredCredential=true subsequentAuthTransactionID=23976974322 ``` 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 ``` {#credentials-recur-mit-pan-ex-so_codeblock_vjl_v41_45b} Mastercard Standing Order Payment {#credentials-mit-stand-order-intro} ====================================================================== A standing order payment is a recurring COF transaction that is a variable amount at a regular interval, such as a utility bill, not to 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. Mastercard Initial CIT Standing Order Payment {#credentials-mit-cit-stand-order-initial-intro} ============================================================================================== The first transaction in a standing order payment is a customer-initiated transaction (CIT). Before you can perform a subsequent merchant-initiated transaction (MIT), you must store the customer's credentials for later use. Before you can store the user's credentials, you must get the customer's consent to store their private information. This process is also known as establishing a relationship with the customer. Endpoint {#credentials-mit-cit-stand-order-initial-intro_d8e16} --------------------------------------------------------------- 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 an Initial CIT Standing Order Payment {#credentials-mit-stand-order-initial-reqfields} ========================================================================================================== [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-commerce-indicator.md "") : Set the value to `internet`. [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [ccAuthService_firstRecurringPayment](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-first-recurring-payment.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuthFirst](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-first.md "") : Set the value to `true`. [subsequentAuthReason](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-reason.md "") : Set the value to `8`. {#credentials-mit-stand-order-initial-reqfields_dl_z2l_zvl_bwb} Simple Order Example: Initial CIT Standing Order Payment {#credentials-mit-stand-order-initial-ex-so} ===================================================================================================== Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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 ccAuthService_firstRecurringPayment=true merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=ABC purchaseTotals_grandTotalAmount=100.00 subsequentAuthFirst=true subsequentAuthReason=8 ``` 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 ``` Merchant-Initiated Mastercard Standing Order Payment with PAN {#credentials-mc-standorder-mit-pan-intro} ======================================================================================================== After the initial Mastercard standing order payment (CIT), subsequent standing order payments are merchant-initiated transactions (MITs). Before you can perform a subsequent MIT, you must store the customer's credentials for later use. Before you can store the user's credentials, you must get the customer's consent to store their private information. This process is also known as establishing a relationship with the customer. Endpoint {#credentials-mc-standorder-mit-pan-intro_d8e16} --------------------------------------------------------- Set the ccAuthService_run field to `true`. Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`. Required Fields for a Merchant-Initiated Mastercard Standing Order Payment {#credentials-mc-standorder-mit-pan-reqfields} ========================================================================================================================= [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-commerce-indicator.md "") : Set the value to `recurring`. [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuthStoredCredential](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-stored-credential.md "") : Set the value to `true`. [subsequentAuth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth.md "") : Set the value to `true`. [subsequentAuthReason](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-reason.md "") : Set the value to `8`. [subsequentAuthTransactionID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-transaction-id.md "") : {#credentials-mc-standorder-mit-pan-reqfields_dl_nk2_41c_s3c} Simple Order Example: Merchant-Initiated Mastercard Standing Order Payment {#credentials-mc-standorder-mit-pan-ex-so} ===================================================================================================================== Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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_commerceIndicator=recurring merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=ABC purchaseTotals_grandTotalAmount=100.00 subsequentAuth=true subsequentAuthReason=8 subsequentAuthStoredCredential=true subsequentAuthTransactionID=23976974322 ``` 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 ``` {#credentials-mc-standorder-mit-pan-ex-so_codeblock_vjl_v41_45b} Mastercard Subscription Payment {#credentials-mc-subscription-intro} ==================================================================== A subscription payment is a recurring COF transaction that is processed at a fixed amount at regular intervals not to 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. Mastercard CIT Initial Subscription Payment {#credentials-mc-subscription-cit-pan-intro} ======================================================================================== The first transaction in a subscription payment is a customer-initiated transaction (CIT). Before you can perform a subsequent merchant-initiated transaction (MIT), you must store the customer's credentials for later use. Before you can store the user's credentials, you must get the customer's consent to store their private information. This process is also known as establishing a relationship with the customer. Endpoint {#credentials-mc-subscription-cit-pan-intro_d8e16} ----------------------------------------------------------- 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 CIT Initial Subscription Payment {#credentials-mc-subscription-cit-pan-req-fields} ======================================================================================================== [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-commerce-indicator.md "") : Set the value to `recurring`. [ccAuthService_firstRecurringPayment](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-first-recurring-payment.md "") : Set the value to `true`. [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuthFirst](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-first.md "") : Set the value to `true`. [subsequentAuthReason](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-reason.md "") : Set the value to `7`. Simple Order Example: Initial CIT Subscription Payment {#credentials-mc-subscription-cit-pan-ex-so} =================================================================================================== Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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 ccAuthService_firstRecurringPayment=true merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=ABC purchaseTotals_grandTotalAmount=100.00 subsequentAuthFirst=true subsequentAuthReason=7 ``` 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 ``` Merchant-Initiated Mastercard Subscription Payment with PAN {#credentials-mc-subscription-mit-pan-intro} ======================================================================================================== After the initial Mastercard subscription payment (CIT), subsequent subscription payments are merchant-initiated transactions (MITs). Before you can perform a subsequent MIT, you must store the customer's credentials for later use. Before you can store the user's credentials, you must get the customer's consent to store their private information. This process is also known as establishing a relationship with the customer. Endpoint {#credentials-mc-subscription-mit-pan-intro_d8e16} ----------------------------------------------------------- Set the ccAuthService_run field to `true`. Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`. Required Fields for a Merchant-Initiated Mastercard Subscription Payment {#credentials-mc-subscription-mit-pan-reqfields} ========================================================================================================================= [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-commerce-indicator.md "") : Set the value to `recurring`. [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuthStoredCredential](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-stored-credential.md "") : Set the value to `true`. [subsequentAuth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth.md "") : Set the value to `true`. [subsequentAuthReason](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-reason.md "") : Set the value to `7`. [subsequentAuthTransactionID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-transaction-id.md "") : {#credentials-mc-subscription-mit-pan-reqfields_dl_nk2_41c_s3c} Simple Order Example: Merchant-Initiated Mastercard Subscription Payment {#credentials-mc-subscription-mit-pan-ex-so} ===================================================================================================================== Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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_commerceIndicator=recurring merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=ABC purchaseTotals_grandTotalAmount=100.00 subsequentAuth=true subsequentAuthReason=7 subsequentAuthStoredCredential=true subsequentAuthTransactionID=23976974322 ``` 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 ``` {#credentials-mc-subscription-mit-pan-ex-so_codeblock_vjl_v41_45b} Unscheduled COF Payments {#credentials-ucof-intro} ================================================== An unscheduled credentials-on-file (COF) transaction uses stored payment information for a fixed or variable amount that does not occur regularly. An account top-up is one kind of unscheduled COF. Customer-Initiated Unscheduled COF Payment with PAN {#credentials-cit-ucof-initial-intro} ========================================================================================= An unscheduled credentials-on-file (COF) transaction uses stored payment information for a fixed or variable amount that does not occur regularly. An account top-up is one kind of unscheduled COF. Supported Card Types {#credentials-cit-ucof-initial-intro_section_z2d_cp4_kjc} ------------------------------------------------------------------------------ These are the supported card types for processing credentialed transactions: * Discover{#credentials-cit-ucof-initial-intro_discover} {#credentials-cit-ucof-initial-intro_discover} * Mastercard{#credentials-cit-ucof-initial-intro_mc} {#credentials-cit-ucof-initial-intro_mc} * Visa{#credentials-cit-ucof-initial-intro_visa} {#credentials-cit-ucof-initial-intro_visa} {#credentials-cit-ucof-initial-intro_ul_afd_cp4_kjc} Endpoint {#credentials-cit-ucof-initial-intro_d8e16} ---------------------------------------------------- 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 Unscheduled COF Payment with PAN {#credentials-cit-ucof-initial-reqfields} =================================================================================================================== [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-commerce-indicator.md "") : Set the value to `internet`, `MOTO`, or a payer authentication value. [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuthFirst](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-first.md "") : Set the value to `true`. [subsequentAuth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth.md "") : Set the value to `false`. Simple Order Example: Customer-Initiated Unscheduled COF Payment with PAN {#credentials-cit-ucof-initial-ex-so} =============================================================================================================== Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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 ``` Merchant-Initiated Unscheduled COF Payment with PAN {#credentials-mit-unsched-subsequent-intro} =============================================================================================== After the initial CIT unscheduled COF payment, subsequent unscheduled COF transactions are merchant-initiated transactions (MITs). Prerequisites ------------- The first transaction in an unscheduled COF payment is a customer-initiated transaction (CIT). Before you can perform a subsequent merchant-initiated transaction (MIT), you must store the customer's credentials for later use. Before you can store the user's credentials, you must get the customer's consent to store their private information. This process is also known as establishing a relationship with the customer. Supported Card Types {#credentials-mit-unsched-subsequent-intro_section_msx_fp4_kjc} ------------------------------------------------------------------------------------ These are the supported card types for processing credentialed transactions: * Discover{#credentials-mit-unsched-subsequent-intro_discover} {#credentials-mit-unsched-subsequent-intro_discover} * Mastercard{#credentials-mit-unsched-subsequent-intro_mc} {#credentials-mit-unsched-subsequent-intro_mc} * Visa{#credentials-mit-unsched-subsequent-intro_visa} {#credentials-mit-unsched-subsequent-intro_visa} {#credentials-mit-unsched-subsequent-intro_ul_nsx_fp4_kjc} Endpoint {#credentials-mit-unsched-subsequent-intro_d8e16} ---------------------------------------------------------- Set the ccAuthService_run field to `true`. Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`. Required Fields for a Subsequent MIT Unscheduled COF Payment {#credentials-mit-unsched-reqfields} ================================================================================================= [billTo_city](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-city.md "") : [billTo_country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-country.md "") : [billTo_email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-email.md "") : [billTo_firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-first-name.md "") : [billTo_lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-last-name.md "") : [billTo_postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-postal-code.md "") : [billTo_state](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-state.md "") : [billTo_street1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/bill-to-street1.md "") : [card_accountNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-account-number.md "") : [card_expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-month.md "") : [card_expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/card-expiration-year.md "") : [ccAuthService_commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-commerce-indicator.md "") : Set the value to `internet`. [ccAuthService_run](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-run.md "") : Set the value to `true`. [merchantID](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-id.md "") : [merchantReferenceCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/merchant-reference-code.md "") : [processorTransId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/processor-trans-id.md "") : [purchaseTotals_currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-currency.md "") : [purchaseTotals_grandTotalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/purchase-totals-grand-total-amount.md "") : [subsequentAuthReason](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-reason.md "") : Set the value to `10`. : Required only for American Express, Discover and Mastercard. [subsequentAuthStoredCredential](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth-stored-credential.md "") : Set the value to `true`. [subsequentAuth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/subsequent-auth.md "") : Set the value to `true`. Simple Order Example: Subsequent MIT Unscheduled COF Payment {#credentials-mit-unsched-ex-so} ============================================================================================= Request ```keyword billTo_city=Foster City billTo_country=US billTo_email=null@cybersource.com 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_commerceIndicator=internet merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=ABC purchaseTotals_grandTotalAmount=100.00 subsequentAuth=true subsequentAuthOriginalAmount=100.00 //This field is for Discover only. subsequentAuthStoredCredential=true subsequentAuthTransactionID=23976974322 ``` 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 ``` {#credentials-mit-unsched-ex-so_codeblock_vjl_v41_45b} Payer Authentication Values {#credentials-ref-info-payerauth} ============================================================= This section describes the possible payer authentication values you can include in the [ccAuthService_commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/cc-auth-service-commerce-indicator.md "") request field. The level of security in payer authentication is indicated by the two-digit e-commerce indicator (ECI) that is assigned to the transaction. These values have text equivalents that are assigned to the ccAuthService_commerceIndicator field. The American Express, China UnionPay, Diners Club, Discover, and Visa card brands use `05`, `06`, and `07` digit values to express the authentication level for a `3-D Secure` transaction. | ECI Value | Meaning | Visa | Diners Club | Discover | China UnionPay | American Express | |:----------|:-------------------------------------------|:---------------------|:-------------|:---------------|:-----------------------|:-----------------| | `05` | Authenticated | vbv | pb | dipb | up3ds | aesk | | `06` | Attempted authentication with a cryptogram | vbv_attempted | pb_attempted | dipb_attempted | up3ds_attempted | aesk_attempted | | `07` | Internet, not authenticated | vbv_failure/internet | internet | internet | up3ds_failure/internet | internet | [Text Values for ECI Values] Mastercard and Maestro cards use 00, 01, 02, 06, and 07 digit values to indicate the authentication level of the transaction. | ECI Value | Meaning | Mastercard/Maestro | |:----------|:------------------------------------------------------------------|:-------------------| | `00` | Internet, not authenticated | spa/internet | | `01` | Attempted authentication | spa | | `02` | Authenticated | spa | | `06` | Exemption from authentication or network token without 3‑D Secure | spa | | `07` | Authenticated merchant-initiated transaction | spa | [Mastercard/Maestro Text Values for ECI Values]