Customer-Initiated Unscheduled COF Payments with
TMS

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

These are the supported card types for processing credentialed transactions:
  • American Express
  • Mastercard
  • Visa

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
.
Instrument Identifier, Payment Instrument, and Customer Identifier
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:
 "processingInformation": {
    "actionTokenTypes": [
        "instrumentIdentifier",
        "paymentInstrument",
        "customer"
]

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 Payments with
TMS

REST Example: Initial CIT Unscheduled COF Payment in TMS

Request 
        
{
  "processingInformation": {
    "actionList": [
      "TOKEN_CREATE"
    ],
    "actionTokenTypes": [
      "customer"
    ],
    "commerceIndicator": "internet"
  },
  "paymentInformation": {
    "card": {
      "number": "4111111111111111",
      "expirationMonth": "12",
      "expirationYear": "2031"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "102.21",
      "currency": "USD"
    },
    "billTo": {
      "firstName": "John",
      "lastName": "Doe",
      "address1": "1 Market St",
      "locality": "san francisco",
      "administrativeArea": "CA",
      "postalCode": "94105",
      "country": "US",
      "email": "
          ",
      "phoneNumber": "444-4444-4444"
    }
  }
}
Response to a Successful Request 
        
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6976866073586557303955/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6976866073586557303955"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6976866073586557303955/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "1697686607441"
  },
  "id": "6976866073586557303955",
  "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": "62699023FNN143DG",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-10-19T03:36:47Z",
  "tokenInformation": {
    "customer": {
      "id": "080A6C3842C72DCBE063A2598D0AA98B"
    }
  }
}