Customer-Initiated Unscheduled COF Payment with Enrollable Network Tokens

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.

Using Enrollable Network Tokens

The
Token Management Service
can enroll certain
network tokens
, known as device tokens, into an instrument identifier token for future payments.
Device tokens
store and encrypt card-on-file information which enables customers to make quick and easy purchases using their mobile device. When authorizing a credentialed payment with a device token, you must create and store the device token in a
TMS
instrument identifier token. To do this, include the device token information in the
paymentInformation.tokenizedCard
fields and set the token creation fields to create an instrument identifier token.
Follow-on merchant-initiated transactions are performed using the created instrument identifier as the payment information. For more information about how to request a merchant-initiated transaction, see Merchant-Initiated Unscheduled COF Payments with TMS.
Device tokens are also known as
digital payments
,
digital wallets
, and
tokenized cards
.

Network Token Types

In your request, include the
processingInformation.paymentSolution
field to identify the device token type you are using, and set it to one of these possible values:
  • 001
    : Apple Pay
  • 004
    :
    Cybersource
    In-App Solution
  • 005
    : Masterpass
  • 006
    : Android Pay
  • 007
    : Chase Pay
  • 008
    : Samsung Pay
  • 012
    : Google Pay
  • 014
    : Mastercard credential-on-file (COF) payment network token
  • 015
    : Visa credential-on-file (COF) payment network token
  • 027
    : Click to Pay
  • visacheckout
    :
    Visa Click to Pay
    .

Endpoint

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

Required Fields for CIT Unscheduled COF Payment with Enrollable Network Tokens

paymentInformation.tokenizedCard.number
Set the value to
1
.
Set the value to
TOKEN_CREATE
.
Set the value to
instrumentIdentifier
.
Set the value to
internet
,
MOTO
, or a payer authentication value.
processingInformation.paymentSolution
Set to one of these possible values:
  • 001
    : Apple Pay
  • 004
    :
    Cybersource
    In-App Solution
  • 005
    : Masterpass
  • 006
    : Android Pay
  • 007
    : Chase Pay
  • 008
    : Samsung Pay
  • 012
    : Google Pay
  • 014
    : Mastercard credential-on-file (COF) payment network token
  • 015
    : Visa credential-on-file (COF) payment network token
  • 027
    : Click to Pay
  • visacheckout
    :
    Visa Click to Pay
    .

REST API
Example: CIT Unscheduled COF Payment with Enrollable Network Tokens

Request
{ "processingInformation": { "actionList": [ "TOKEN_CREATE" ], "actionTokenTypes": [ "instrumentIdentifier" ], "commerceIndicator": "internet", "paymentSolution": "001" }, "paymentInformation": { "tokenizedCard": { "number": "4111111111111111", "expirationMonth": "02", "expirationYear": "2025", "transactionType": "1" } }, "orderInformation": { "amountDetails": { "totalAmount": "102.21", "currency": "USD" }, "billTo": { "firstName": "John", "lastName": "Smith", "address1": "123 Happy St", "locality": "Austin", "administrativeArea": "TX", "postalCode": "78757", "country": "US", "email": "", "phoneNumber": "444-4444-4444" } } }
Response to a Successful Request
{ "_links": { "authReversal": { "method": "POST", "href": "/pts/v2/payments/7094060020036241803954/reversals" }, "self": { "method": "GET", "href": "/pts/v2/payments/7094060020036241803954" }, "capture": { "method": "POST", "href": "/pts/v2/payments/7094060020036241803954/captures" } }, "clientReferenceInformation": { "code": "1709406002076" }, "id": "7094060020036241803954", "orderInformation": { "amountDetails": { "authorizedAmount": "102.21", "currency": "USD" } }, "paymentAccountInformation": { "card": { "type": "001" } }, "paymentInformation": { "tokenizedCard": { "type": "001" }, "card": { "type": "001" } }, "pointOfSaleInformation": { "terminalId": "111111" }, "processorInformation": { "approvalCode": "888888", "networkTransactionId": "123456789619999", "transactionId": "123456789619999", "responseCode": "100", "avs": { "code": "X", "codeRaw": "I1" } }, "reconciliationId": "60616704ST7Q27K2", "status": "AUTHORIZED", "submitTimeUtc": "2024-03-02T19:00:02Z", "tokenInformation": { "instrumentidentifierNew": false, "instrumentIdentifier": { "state": "ACTIVE", "id": "7010000000016241111" } } }