REST API | Visa Platform Connect

Customer-Initiated Installment Payment with
TMS

This section describes how to process an initial customer-initiated installment payment using
TMS
.
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.

Creating a
TMS
Token

When sending the initial CIT, you can create a
TMS
token to store the customer's credentials for the subsequent MITs. To create a
TMS
token, include the
processingInformation.actionTokenTypes
field in the authorization request. Set the field to one of these values based on the
TMS
token type you want to create:
Customer
Customer tokens store one or more customer payment instrument tokens and shipping address tokens.
Including a customer token in subsequent MITs eliminates the need to include billing information, card information, and the previous transaction's ID.
"processingInformation": { "actionTokenTypes": [ "customer" ]
For more information about this
TMS
token type, see Customer Tokens in the
Token Management Service
Developer Guide
.
Payment Instrument
Payment instrument tokens store an instrument identifier token, card information, and billing information. Payment instruments are not linked to a customer token. Including a payment instrument in subsequent MITs eliminates the need to include billing information, card information, and the previous transaction's ID.
"processingInformation": { "actionTokenTypes": [ "paymentInstrument" ]
For more information about this
TMS
token type, see Payment Instrument Token in the
Token Management Service
Developer Guide
.
Instrument Identifier
Instrument identifier tokens store a PAN. Including an instrument identifier in subsequent MITs eliminates the need to include a PAN and the previous transaction's ID.
"processingInformation": { "actionTokenTypes": [ "instrumentIdentifier" ]
For more information about this TMS token type, see Instrument Identifier Token in the
Token Management Service
Developer Guide
.
You can also create multiple
TMS
token types in the same authorization. This example includes an instrument identifier, a payment instrument, and a customer token in the same authorization:
Instrument Identifier, Payment Instrument, and Customer Identifier
"processingInformation": { "actionTokenTypes": [ "instrumentIdentifier", "paymentInstrument", "customer" ]

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments