Convert existing transactions to card-on-file model
This guide is for merchant who currently manage their payment plan / subscription and yet to implement COF model.
Merchant want convert their existing manage payment to card-on-file model.
Only for merchant who send Merchant-Initiated Transaction
Why merchant require to perform
The reason is to perform existing transaction with MIT model, it will become not possible because of missing data schemePaymentID.
Below show scenario why existing transaction cannot perform as MIT.
New transaction (after implement COF) | existing transaction |
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What merchant required to do
Merchant can perform one time 0 amount CIT N3DS Authorisation to retrieve the schemePaymentID
Important
- It is still depend on acquirer bank to support this conversion. Please contact support team.
- Initial 0 amount CIT N3DS Authorisation may notify cardholder, merchant required to inform their customer upfront.
| Fields | Merchants need to send |
|---|---|
| transactionInitiator | C: Customer Initiated Transaction |
| request3DS | N : request non-3ds |
| storeCredentials | F: CIT First time payment |
| amount | 0 |
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. |
Updated about 13 hours ago