Stored Credential Processing
- Industry Practice Transactions
- Standing Instructions Transactions
  - Requirements for Standing Instruction Transactions
  - Recurring Billing for Recurring Payments

Transaction Matrix for Industry Practice and Standing Instructions
- Initial Transactions
- Subsequent Transactions

Customer-Initiated Transactions with Credentials on File
- Storing Customer Credentials with a Customer-Initiated Transaction
  - Required Fields
  - SO Example: Storing Customer Credentials During a Customer-Initiated Transaction
- Using Stored Customer Credentials During a Customer-Initiated Transaction
  - Required Fields
  - Card-Specific Required Fields
  - SO Example: Retrieving Customer Credentials During a Customer-Initiated Transaction

Merchant-Initiated Transactions
- Industry Practice Transactions
  - Merchant-Initiated Delayed Transaction
    - Required Fields
    - Card-Specific Required Fields
    - SO Example: Merchant-Initiated Delayed Authorization Transaction
  - Merchant-Initiated Incremental Transaction
    - Required Fields
    - Card-Specific Required Fields
    - SO Example: Merchant-Initiated Incremental Authorization
  - Merchant-Initiated Reauthorization Transactions
    - Required Fields
    - Card-Specific Required Fields
    - SO Example: Merchant-Initiated Reauthorization Transaction
  - Merchant-Initiated Resubmission Transaction
    - Required Fields
    - Card-Specific Required Fields
    - SO Example: Merchant-Initiated Resubmitted Authorization Transaction
  - Merchant-Initiated No-Show Transactions
    - Required Fields
    - Card-Specific Required Fields
    - SO Example: Merchant-Initiated No-Show Transaction
- Standing Instruction Transactions
  - Installment Payments
    - Initial CIT Installment Payment
      - Required Fields for Authorizing Initial Installment Payments Using Simple Order APIs
      - Card-Specific Required Fields
      - SO Example: Initial Customer-Initiated Transaction Installment Payment
    - Subsequent MIT Installment Payments
      - Required Fields for Authorizing Subsequent Installment Payments Using Simple Order APIs
      - Card-Specific Required Fields
      - SO Example: Subsequent Installment Authorization
  - Recurring Payments
  - Recurring Billing for Recurring Payments
  - Initial CIT Recurring Payment with a PAN
    - Required Fields for Authorizing Initial Recurring Payments Using Simple Order APIs
    - SO Example: Initial CIT Recurring Payment
  - Mastercard Standing Order Payments
    - Mastercard Initial CIT Standing Order Payment
      - Required Fields for Authorizing Standing Order Payments Using Simple Order APIs
      - SO Example: Initial CIT Standing Order Payment
  - Mastercard Subscription Payments
    - Mastercard Initial CIT Subscription Payment
      - Required Fields for Authorizing Subscription Payments Using Simple Order APIs
      - SO Example: Initial CIT Subscription Payment
  - Unscheduled COF Payments
    - Initial CIT Unscheduled COF Payment
      - Required Fields for Authorizing Initial Unscheduled COF Payments Using Simple Order APIs
      - SO Example: Initial CIT Unscheduled COF Payment

On This Page

Simple Order API | Visa Platform Connect

Standing Instructions Transactions

Standing instructions require stored credentials. The stored credentials framework sets standards for the storage and subsequent use of stored customer credentials by merchants. Transactions that use stored customer credentials are called credentials-on-file (COF) transactions.

By following the stored credentials framework, merchants are expected to:

Gain greater visibility of transaction risk levels

Achieve higher authorization approval rates and completed sales

Improve the customer experience

Reduce customer complaints

Participate in the Real Time Visa Account Updater service

For more information on the stored credentials framework, see Improving Authorization Management for Transactions with Stored Credentials.

Standing instructions include these types of transactions:

Merchant initiated unscheduled transactions (UCOF)

Installment transactions

Recurring transactions

Subscription transactions (Mastercard only)

Standing order transactions (Mastercard only)

All COF transactions start with customer-initiated transactions during which customers elect to store their credentials for future use.

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