Worldline | UCOF

Customer Initiated Transaction (CIT)

When a payment transaction is triggered by a cardholder with stored card credentials then it is termed as Customer Initiated Transactions (CIT). These are typically unscheduled transactions (UCOF) triggered as one-click payments during a checkout process and often needs to go through Strong Customer Authentication (SCA). It is also possible to request for a SCA exemption .

Perform UCOF-CIT

To initiate a subsequent Unscheduled card-On-File Customer Initiated Transaction (UCOF-CIT), you must include cardPaymentData.cardOnFileData object and associated properties in your create payment request along with 3D-Secure data.

Property	Explanation
isInitialTransaction	Set to "false" to indicate that the transaction is a subsequent transaction referring to an initial Card on File transaction
subsequentCardOnFileData.cardOnFileInitiator	Initiator of the subsequent COF transaction, it must be "CARDHOLDER"
subsequentCardOnFileData.transactionType	Set to "UNSCHEDULED_CARD_ON_FILE" to indicate that the transaction is UCOF - CIT
subsequentCardOnFileData.initialSchemeTransactionId	You must to link the subsequent COF transactions to the initial approved COF transaction and for that reason scheme transaction id of an approved initial COF transaction must be provided here.
subsequentCardOnFileData.initialSchemeTransactionLinkId	You must to link the subsequent COF transactions to the initial approved COF transaction and for that reason scheme transaction link id of an approved initial COF transaction must be provided here.

{
    "cardPaymentData": {
        "cardOnFileData": {
            "isInitialTransaction": false,
            "subsequentCardOnFileData": {
                "cardOnFileInitiator": "CARDHOLDER",
                "transactionType": "UNSCHEDULED_CARD_ON_FILE",
                "initialSchemeTransactionId": "304232535995347",
                "initialSchemeTransactionLinkId": "aRyU-3Ti981f_6WvBaqM03",
            }
        }
    }
}