Processing Payments Using Credentials
This section provides the information you need in order to process payments using
credentials.
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 futurecustomer-initiated transactions.
- Customer transactions during which the credentials are stored for futuremerchant-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
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.Delayed Transaction
Delayed charge transaction is performed to process a supplemental
account charge after original services have been rendered and respective payment has
been processed.
This section describes how to process a merchant-initiated delayed transaction, also
known as a delayed charge, using these payment types:
Incremental Transaction
An incremental authorization is used to increase the total amount
authorized for a payment if the initial authorization does not cover the total cost of
goods and services. An incremental transaction is an additional amount to the original
authorization. The final authorized total includes amounts for both the initial and the
incremental authorizations. Incremental transactions are limited to certain merchant
categories, such as rental, lodging, transit, amusement parks, restaurants, and
bars.
This section describes how to process an incremental transaction using these payment
types:
No-Show Transactions
A no-show authorization occurs when a merchant charges a customer after
the customer makes a reservation, and does not show up to claim the reservation. In this
situation, the customer is charged an agreed upon fee for not showing up as
expected.
This section describes how to process a merchant-initiated no-show transaction using
these payment types:
Reauthorization Transaction
A reauthorization occurs when the completion or fulfillment of the
original order or service extends beyond the authorized amount time limit. There are two
common reauthorization scenarios:
- Split or delayed shipments by a retailer
- Extended car rentals, hotel stays, or cruise line bookings
This section describes how to process a reauthorization transaction using these payment
methods:
Resubmission Transaction
A resubmission transaction is used when a merchant resubmits an
authorization to recover an outstanding debt from the customer. A common scenario is
when a card was initially declined due to insufficient funds, but the goods or services
were already delivered to the customer.
This section describes how to process a resubmission transaction using these payment types:
Installment Payments
An installment payment is a single purchase of goods or services billed to a customer in
multiple transactions over a period of time agreed to by you and the customer. The agreement
enables you to charge a specific amount at specified intervals.
Installments Service for Installment Payments
Do not use this document if you are using the Installments service. When
using the Installments service,
Cybersource
saves and stores payment
credentials for installment transactions, ensuring compliance with COF best practices. Recurring Payments
A recurring payment is a credentials-on-file (COF) transaction in a series of payments
that you bill to a customer for a fixed amount at regular intervals that do not exceed
one year between transactions. The series of recurring payments is the result of an
agreement between you and the customer for the purchase of goods or services that are
provided at regular intervals. Recurring payments are also known as
subscriptions
.Mastercard uses standing order and subscription payments instead of recurring payments. See Mastercard Standing Order Payments and Mastercard Subscription Payments.
Recurring Billing Service for Recurring Payments
Do not use this document for the Recurring Billing service.
Use the
Recurring Billing Developer
Guide
. When you use the Recurring Billing service,
Cybersource
saves and stores payment credentials for
recurring transactions, ensuring compliance with COF best practices.
Mastercard Standing Order Payments
A standing order payment is a recurring COF transaction that is a variable amount at a
regular interval, such as a utility bill, not to exceed one year between transactions.
The series of recurring payments is the result of an agreement between you and the
customer for the purchase of goods or services that are provided at regular
intervals.
Mastercard Subscription Payments
A subscription payment is a recurring COF transaction that is processed at a fixed amount at regular intervals not to exceed one year between transactions. The series of recurring payments is the result of an agreement between you and the customer for the purchase of goods or services that are provided at regular intervals.
Unscheduled COF Payments
An unscheduled credentials-on-file (COF) transaction uses stored payment information for a
fixed or variable amount that does not occur regularly. An account top-up is one kind of
unscheduled COF.