Network Token CIT Authorizations for Partners
This workflow shows a credentials-on-file (COF) authorization using a network token
for a customer-initiated transaction (CIT).
The workflow begins when the customer makes a purchase from the merchant and selects a
COF during payment.
- The customer makes a purchase and selects COF.
- The merchant requests the payment credentials and sends theTMStoken to the payment processor.
- The payment processor uses theTMStoken to look up the network token.
- The payment processor requests the cryptogram generated by the card brand.
- The payment processor sends the network token and cryptogram to the merchant.
- The merchant uses the network token along with the cryptogram to start the authorization.
- The merchant sends the network token, cryptogram, and 3-D Secure data to the acquirer in the authorization request.
- The acquirer processes the authorization and sends the authorization result to the merchant.
- The merchant sends the customer the authorization result from the acquirer.