REST API | Visa Platform Connect

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 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