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Storing Customer Credentials with a CIT and `TMS` {#credentials-cit-initial-tms-intro}
======================================================================================

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

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](https://developer.cybersource.com/docs/cybs/en-us/tms/developer/ctv/rest/tms/tms-overview/tms-token-types/tms-cust-tkn.md "") 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](https://developer.cybersource.com/docs/cybs/en-us/tms/developer/ctv/rest/tms/tms-overview/tms-token-types/tms-pi-tkn.md "") 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](https://developer.cybersource.com/docs/cybs/en-us/tms/developer/ctv/rest/tms/tms-overview/tms-token-types/tms-ii-tkn.md "") 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 {#credentials-cit-initial-tms-intro_d8e16}
---------------------------------------------------

**Production:** `POST ``https://api.cybersource.com``/pts/v2/payments`{#credentials-cit-initial-tms-intro_d8e25}  
**Test:** `POST ``https://apitest.cybersource.com``/pts/v2/payments`{#credentials-cit-initial-tms-intro_d8e35}

Required Fields for Storing Customer Credentials with a CIT and `TMS` {#credentials-cit-initial-tms-req-fields}
===============================================================================================================

> IMPORTANT  
> When relaxed requirements for address data and the expiration date are being used, not all fields in this list are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. For details about relaxed requirements, see [Relaxed Requirements for Address Data and Expiration Date in Payment Transactions](/docs/cybs/en-us/payments/developer/ctv/rest/payments/payments-relax-reqs.md "").

[orderInformation.amountDetails.currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-currency.md "")
:

[orderInformation.amountDetails.totalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-total-amount.md "")
:

[orderInformation.billTo.address1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-address1.md "")
:

[orderInformation.billTo.administrativeArea](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-admin-area.md "")
:

[orderInformation.billTo.country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-company-country.md "")
:

[orderInformation.billTo.email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-email.md "")
:

[orderInformation.billTo.firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-first-name.md "")
:

[orderInformation.billTo.lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-last-name.md "")
:

[orderInformation.billTo.locality](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-locality.md "")
:

[orderInformation.billTo.phoneNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-phone-num.md "")
:

[orderInformation.billTo.postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-postal-code.md "")
:

[paymentInformation.card.expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-mo.md "")
:

[paymentInformation.card.expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-year.md "")
:

[paymentInformation.card.number](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-number.md "")
:

[processingInformation.actionList](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-action-list.md "")
:
Set the value to `TOKEN_CREATE`

[processingInformation.actionTokenTypes](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-action-token-types.md "")
:
Set to one or more of these values:

    * `customer`
    * `instrumentIdentifier`
    * `paymnentInstrument`

{#credentials-cit-initial-tms-req-fields_ul_lpg_4mc_1dc}

REST Example: Storing Customer Credentials with a CIT and `TMS` {#credentials-cit-initial-tms-ex-rest}
======================================================================================================

Request

```keyword
{
  "processingInformation": {
    "actionList": [
      "TOKEN_CREATE"
    ],
    "actionTokenTypes": [
      "instrumentIdentifier"
    ]
  },
  "paymentInformation": {
    "card": {
      "number": "4111111111111111",
      "expirationMonth": "12",
      "expirationYear": "2031",
      "securityCode": "123"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "102.21",
      "currency": "USD"
    },
    "billTo": {
      "firstName": "John",
      "lastName": "Doe",
      "address1": "1 Market St",
      "locality": "san francisco",
      "administrativeArea": "CA",
      "postalCode": "94105",
      "country": "US",
      "email": "test@cybs.com",
      "phoneNumber": "4158880000"
    }
  }
}
```

Response to a Successful Request

```
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6972267090226779103955/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6972267090226779103955"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6972267090226779103955/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "id": "6972267090226779103955",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "102.21",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "111111"
  },
  "processorInformation": {
    "paymentAccountReferenceNumber": "V0010013022298169667504231315",
    "approvalCode": "888888",
    "networkTransactionId": "123456789619999",
    "transactionId": "123456789619999",
    "responseCode": "100",
    "avs": {
      "code": "X",
      "codeRaw": "I1"
    }
  },
  "reconciliationId": "62506622XNMR6Q1Y",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-10-13T19:51:49Z",
  "tokenInformation": {
    "instrumentidentifierNew": false,
    "instrumentIdentifier": {
      "state": "ACTIVE",
      "id": "7010000000016241111"
    }
  }
}
```

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