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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. When storing
cardholder data for a CIT, you must also include 3-D Secure authentication credentials
to ensure that the CIT can successfully process. Authentication credentials can be
stored for future use with the card credentials by doing a non-payment authentication
(NPA).
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.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
Set the
ccAuthService_run
field to
true
.Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.Required Fields for Storing Customer Credentials During a CIT
Use these required fields for storing customer credentials during a customer-initiated
transaction.
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.
- Set the value totrue.
- Set the value totrue.
Simple Order Example: Storing Customer Credentials During a CIT
Request
billTo_city=Foster City billTo_country=USbillTo_email=null@cybersource.combillTo_firstname=John billTo_lastname=Smith billTo_state=CA billTo_postalCode=94404 billTo_street1=201 S. Division St. card_expirationMonth=12 card_expirationYear=2031 card_accountNumber=4111111111111111 ccAuthService_run=true merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=USD purchaseTotals_grandTotalAmount=100.00 subsequentAuthFirst=True
Response to a Successful Request
additional_processor_response=e1cdcafc-cdbb-4ef7-8788-a1234e844805 request_id=6461515866500167772420 decision=ACCEPT reasonCode=100 merchantReferenceCode=Merchant_REF purchaseTotals_currency=mxn cardCategory=FccAuthService_reconciliationID=ZUDCXJO8KZRFXQJJ ccAuthReply_amount=100.00 ccAuthReply_avsCode=5 ccAuthReply_authorizationCode=570110 ccAuthReply_processorResponse=1 ccAuthReply_authorizedDateTime=2022-03-01T161947Z ccAuthReply_paymentNetworkTransactionID=111222
Retrieving Stored Customer Credentials During a
CIT
After customers store their credentials on file, you can retrieve these credentials to
use with subsequent transactions.
Endpoint
Set the
ccAuthService_run
field to
true
.Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.Required Fields for Retrieving Customer Credentials During a Customer-Initiated
Transaction
Use these required fields to retrieve customer credentials during a customer-initiated
transaction.
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.
- Set the value totrue.
- Set the value totrue.
Card-Specific Required Field for Retrieving Customer Credentials During a CIT
Discover
Discover requires the authorization amount from the original transaction in addition
to the above required fields.
- subsequentAuthOriginalAmount
Simple Order Example: Retrieving Customer Credentials During a CIT
Request
billTo_city=Foster City billTo_country=USbillTo_email=null@cybersource.combillTo_firstname=John billTo_lastname=Smith billTo_state=CA billTo_postalCode=94404 billTo_street1=201 S. Division St. card_expirationMonth=12 card_expirationYear=2031 card_accountNumber=4111111111111111 ccAuthService_run=true merchantId=pa_ctv_sg101 merchantReferenceCode=33557799 purchaseTotals_currency=USD purchaseTotals_grandTotalAmount=100.00 subsequentAuthStoredCredential=True
Response to a Successful Request
additional_processor_response=e1cdcafc-cdbb-4ef7-8788-a1234e844805 request_id=6461515866500167772420 decision=ACCEPT reasonCode=100 merchantReferenceCode=Merchant_REF purchaseTotals_currency=mxn cardCategory=FccAuthService_reconciliationID=ZUDCXJO8KZRFXQJJ ccAuthReply_amount=100.00 ccAuthReply_avsCode=5 ccAuthReply_authorizationCode=570110 ccAuthReply_processorResponse=1 ccAuthReply_authorizedDateTime=2022-03-01T161947Z ccAuthReply_paymentNetworkTransactionID=111222