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Recurring Transactions

Follow these guidelines when processing recurring transactions.

Visa, MasterCard and Discover​

When storing credentials for the first time in an eCommerce application (cardholder not present) environment:

  • options.ecommerceFlag set to 5, 6 or 7 (as applicable)
  • [Optional] Submit a $0 Account Verification transaction along with storedCredentials.indicator set to 1 (first time)
  • storedCredentials.indicator set to 1 (first time) if applicable
  • Submit transaction amount when credentials are stored for cardholder-initiated stored credential transactions

When initiating a recurring transaction using a stored credential (Merchant Initiated Transaction):

  • options.ecommerceFlag set to 2 (Recurring)
  • storedCredentials.initiation set to M (Merchant Initiated)
  • storedCredentials.schedule set to S (Scheduled)
  • storedCredentials.paymentId set to the id of the transaction which first stored the credentials
  • CVV data must not be sent

When initiating an unscheduled transaction using a stored credential (Merchant Initiated Transaction):

  • options.ecommerceFlag set to 5, 6, 7 (as applicable for eCommerce) or 1 (Phone/Mail Order)
  • storedCredentials.initiation set to M (Merchant Initiated)
  • storedCredentials.schedule set to U (Unscheduled)
  • storedCredentials.paymentId set to the id of the transaction which first stored the credentials
  • The transaction must not be identified as Installment or Recurring

American Express​

  • When storing credentials for the first time, options.ecommerceFlag set to 5, 6 or 7 (as applicable for eCommerce)
  • When processing a card on file transaction for recurring billing, options.ecommerceFlag set to 2 (Recurring)
  • Submit storedCredentials.initiation as applicable (Merchant or Cardholder Initiated)
  • Submit storedCredentials.indicator as applicable (first time or subsequent)