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Network Token Authorizations (CIT)—Merchant Model
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
- The customer makes a purchase and selects COF.
- The merchant submits an authorization to the payment processor using aTMStoken.
- 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, 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 payment processor.
- The payment processor sends the authorization result to the merchant.
- The merchant updates the order and advises the customer on how to proceed depending on the authorization result.