- Introduction to Payments
- Standard Payment Processing
- Card Present Connect | Retail Processing
- Authorization with Contact EMV and Online PIN
- Authorization with Contact EMV and Offline PIN
- Card Present Connect | Mass Transit Processing
- Debit and Prepaid Card Processing
- Processing Debit and Prepaid Authorizations
- Airline Data Processing
- Japanese Payment Options Processing
- Processing Payments Using Credentials
- Using Stored Customer Credentials During a CIT
- Merchant-Initiated Delayed Transaction with PAN
- Merchant-Initiated Incremental Transaction with PAN
- Merchant-Initiated No-Show Transactions with PAN
- Merchant-Initiated Reauthorization Transactions with PAN
- Merchant-Initiated Resubmission Transaction with PAN
- Installment Payments
- Recurring Payments
- Merchant-Initiated Recurring Payments with PAN
- Token Management Service Processing
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REST API | Visa Platform Connect
Stored Credentials
Credentialed transactions are transactions that involve either storing a customer's
payment credentials for future transactions or using a customer's already stored payment
credentials. When processing a credentialed transaction, you must indicate the type of
credentialed transaction and the reason for the transaction.
There are several types of credentialed transactions:
- Customer-Initiated Transactions (CITs):Any transaction a customer is actively participating in such as making a card-present payment, completing an online checkout, or by using a stored credential.
- Merchant-Initiated Transactions (MITs):Any transaction a merchant initiates without the customer's participation such as an industry practice transaction or a standing instruction transaction.
- Industry Practice Transactions:MITs that are performed as subsequent transactions 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:MITs that are performed to follow agreed-upon instructions from the customer for the provision of goods and services.
Supported Services
These are the supported merchant-initiated services:
- Delayed Authorization
- Incremental Transactions
- Installment Transactions
- Mastercard Standing Order Transactions
- Mastercard Subscription Transactions
- No-Show Transactions
- Reauthorization
- Recurring Transactions
- Resubmission
- Unscheduled Credentials-on-File Transactions
Related Information
- See Processing Payments Using Credentials for information that shows you how to process transactions using credentials.