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 |
It is a 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. |
{
"cardPaymentData": {
"cardOnFileData": {
"isInitialTransaction": false,
"subsequentCardOnFileData": {
"cardOnFileInitiator": "CARDHOLDER",
"transactionType": "UNSCHEDULED_CARD_ON_FILE",
"initialSchemeTransactionId": "304232535995347"
}
}
}
}