Card-on-file transaction
Card-on-file transaction allows merchants to securely store their customer's cards detail and use it for future payment. Commonly used on saved card and recurring subscriptions payment.
Typically, first payment is initiated by customer and card will be save upon payment completed. The saved card credential will be allowed to use in future payment.
Who need to concern
Merchant who are sending
- saved card payment (Tokenisation)
- recurring payment
Migrate existing transaction to Card-on-file model
For merchant who want to convert existing transactions to support COF , please refer to Convert existing transactions to card-on-file model.
Customer-Initiated Transaction
Payment that triggered directly by the customer.
- Commonly used on saved card scenario
- Recommended to trigger 3DS authentication for first time
- Card can be saved for future transactions
How to implement
| Fields | Merchants need to send |
|---|---|
| transactionInitiator | C: Customer Initiated Transaction |
| request3DS |
|
| storeCredentials |
|
| tokenize or tokenizeOnly |
|
| Fields | Merchants need to handle |
|---|---|
| schemePaymentID | Payment id that is return from the scheme (eg. Visa/Master) Merchant required to save this value to their application and used it for future payment. |
| customerToken or cardToken (v4.2 & below) | Unique token id return from 2c2p |
Merchant-Initiated Transaction
Payment started by the merchant without the customer actively taking part.
- Commonly used in Recurring / Subscription
- MIT transactions allow to trigger only with customer consent
- Payment must have references to first payment CIT
How to implement
| Fields | Merchants need to send |
|---|---|
| transactionInitiator | M: Merchant Initiated Transaction |
| request3DS |
|
| storeCredentials |
|
| previousPaymentID | Required to send This Payment ID will pass through to scheme network as a reference to the first CIT payment. |
| customerToken or cardToken (v4.2 & below) | Merchants send token id to replace the PAN *Note : only required when merchant is using 2c2p tokenization service |
Updated 3 months ago