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Terminology

Table:

Terminology for Merchant-Initiated Transactions
Term
Description
Cardholder-initiated transaction (CIT)
Transaction that uses payment information provided by the cardholder. A CIT can be any of the following kinds of transactions:
  • Card present: cardholder goes to a brick-and-mortar store in person to make a purchase and provides payment information in the store.
  • Card-on-file or Credential-on-file (COF): cardholder orders an item online and instructs you to use the payment information that is saved in your system.
  • E-commerce: cardholder orders an item online and provides payment information during checkout.
  • Mail order or telephone order (MOTO): cardholder orders an item over the telephone and provides payment information to the person who is taking the order.
COF transaction
Transaction that uses payment information that you saved in your system.
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