cardholder-initiated transaction(CIT) is an authorization initiated by a cadholder in person, on the phone, or on a web site.
For details about CITs, see "Terminology."
merchant-initiated transaction(MIT) is an authorization that you initiate when a cardholder is not present. Use the CyberSource Payments REST API to initiate transactions such as delayed charges, installment payments, or no-show transactions.
Figure 1 illustrates the relationships between stored credentials, CITs, and MITs.
There are two main types of MITs:
- An industry practice transaction: a one-time MIT that derives payment information from a CIT.
- A standing instruction: one transaction in a series of repeated transactions or a one-time, unscheduled transaction that uses COF payment information.
- Chase Paymentech Solutions—the only scenarios supported on Chase Paymentech Solutions are reauthorizations and unscheduled card-on-file transactions.
- Visa Platform Connect—Visa Platform Connect was previously called CyberSource through VisaNet.
- Elavon Americas
- FDC Compass
- FDC Nashville Global
- OmniPay Direct
- Mastercard—only on AIBMS and OmniPay Direct