Network Token CIT Authorizations for Merchants

This workflow shows a credentials-on-file (COF) authorization using a network token for a customer-initiated transaction (CIT).

Figure:

Network Token CIT Authorizations for Merchants
  1. The customer makes a purchase and selects COF.
  2. The merchant submits an authorization to the payment processor using a
    TMS
     token.
  3. The payment processor uses the
    TMS
     token to look up the network token.
  4. The payment processor requests the cryptogram generated by the card brand.
  5. The payment processor sends the network token, cryptogram, and 3-D Secure data to the acquirer in the authorization request.
  6. The acquirer processes the authorization and sends the authorization result to the payment processor.
  7. The payment processor sends the authorization result to the merchant.
  8. The merchant updates the order and advises the customer on how to proceed depending on the authorization result.