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

Requirements for Standing Instruction Transactions

Merchants who offer stored credentials must:

Disclose to cardholders how those credentials will be used

Obtain the customer's consent to store credentials

Notify cardholders when changes are made to stored credential terms of use

Inform the card issuer during an authorization that the payment credentials are now stored on file

Identify transactions that use stored credentials

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