Customer-Initiated Transactions with Credentials on File

A customer-initiated transaction (CIT) is a transaction initiated by the customer. There are two types of CITs:
  • Customer transactions during which the credentials are stored for future
    customer
    -initiated transactions.
  • Customer transactions during which the credentials are stored for future
    merchant
    -initiated transactions.
Customers can initiate a CIT at a merchant payment terminal, through an online purchase transaction, or by making a purchase using a previously stored credential.

Business Center

You can create a new customer-initiated transaction in the
Business Center
by going to the One-Time Payments section and requesting a new authorization. When you have entered the customer's information, you can store the customer's credentials with the customer's permission in the Payment Information section. By doing so, you can perform merchant-initiated transactions for payments that the customer has pre-approved.
For more information on how to perform a MIT in the
Business Center
, see Merchant-Initiated No-Show Transactions with PAN.

Storing Customer Credentials with a CIT and PAN

Before you can perform a merchant-initiated transaction (MIT) or a customer-initiated transaction (CIT) with credentials-on-file (COF), you must store the customer's credentials for later use. Further, before you can store the user's credentials, you must get the customer's consent to store their private information. This is also known as establishing a relationship with the customer.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments

Storing Customer Credentials with a CIT and
TMS

Before you can perform a merchant-initiated transaction (MIT) or a customer-initiated transaction (CIT) with credentials-on-file (COF), you must store the customer's credentials for later use. Further, before you can store the user's credentials, you must get the customer's consent to store their private information. This is also known as establishing a relationship with the customer.

Creating a
TMS
Token

When sending the initial CIT, you can create a
TMS
token to store the customer's credentials for the subsequent MITs. To create a
TMS
token, include the
processingInformation.actionTokenTypes
field in the authorization request. Set the field to one of these values based on the
TMS
token type you want to create:
Customer
Customer tokens store one or more customer payment instrument tokens and shipping address tokens.
Including a customer token in subsequent MITs eliminates the need to include billing information, card information, and the previous transaction's ID.
"processingInformation": { "actionTokenTypes": [ "customer" ]
For more information about this
TMS
token type, see Customer Tokens in the
Token Management Service
Developer Guide
.
Payment Instrument
Payment instrument tokens store an instrument identifier token, card information, and billing information. Payment instruments are not linked to a customer token. Including a payment instrument in subsequent MITs eliminates the need to include billing information, card information, and the previous transaction's ID.
"processingInformation": { "actionTokenTypes": [ "paymentInstrument" ]
For more information about this
TMS
token type, see Payment Instrument Token in the
Token Management Service
Developer Guide
.
Instrument Identifier
Instrument identifier tokens store a PAN. Including an instrument identifier in subsequent MITs eliminates the need to include a PAN and the previous transaction's ID.
"processingInformation": { "actionTokenTypes": [ "instrumentIdentifier" ]
For more information about this TMS token type, see Instrument Identifier Token in the
Token Management Service
Developer Guide
.
Instrument Identifier, Payment Instrument, and Customer Identifier
You can also create multiple
TMS
token types in the same authorization. This example includes an instrument identifier, a payment instrument, and a customer token in the same authorization:
"processingInformation": { "actionTokenTypes": [ "instrumentIdentifier", "paymentInstrument", "customer" ]

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments

Using Stored Customer Credentials During a CIT

After customers store their credentials on file, they can recall these credentials to use with subsequent transactions.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments