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Merchant-Initiated Installment Payments with PAN

After the initial CIT installment payment, subsequent installment payments are merchant-initiated transactions (MITs).

Prerequisites

The first transaction in an installment payment is a
customer-initiated transaction
 (CIT). Before you can perform a subsequent
merchant-initiated transaction
 (MIT), you must store the customer's credentials for later use. Before you can store the user's credentials, you must get the customer's consent to store their private information. This process is also known as establishing a relationship with the customer.

Supported Card Types

These are the supported card types for processing credentialed transactions:
  • Discover
  • Mastercard
  • Visa

Endpoint

Set the
ccAuthService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.

Required Fields for Authorizing Merchant-Initiated Subsequent Installment Payments

Use these required fields to authorize merchant-initiated subsequent installment payments.
Set the value to
install
.
Set the value to
true
.
Set the value to
true
.
Set the value to
true
.
  • American Express: set to the transaction ID from the original transaction.
  • Discover: set to the transaction ID from the original transaction.
  • Visa: set to the last successful transaction ID.

Simple Order Example: Authorizing Merchant-Initiated Subsequent Installment Payments

Request
billTo_city=Foster City
billTo_country=US

billTo_email=null@cybersource.com

billTo_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_commerceIndicator=install
merchantId=pa_ctv_sg101
merchantReferenceCode=33557799
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=100.00
subsequentAuth=true
subsequentAuthOriginalAmount=100.00   //This field is for Discover only.
subsequentAuthReason=9
subsequentAuthStoredCredential=true
subsequentAuthTransactionID=23976974322
Response to a Successful Response
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