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REST API

Merchant-Initiated Transactions

A
cardholder-initiated transaction
 (CIT) is an authorization initiated by a cardholder in person, on the phone, or on a web site.
For details about CITs, see Terminology.
A
merchant-initiated transaction
 (MIT) is an authorization that you initiate when a cardholder is not present. Use the payments REST API to initiate transactions such as delayed charges, installment payments, or no-show transactions.
This figure illustrates the relationships between stored credentials, CITs, and MITs:

Figure:

Stored Credentials and Merchant-Initiated Transactions
There are two main types of MITs:
  • An industry practice transaction: a one-time MIT that derives payment information from a CIT.
  • A standing instruction: one transaction in a series of repeated transactions or a one-time, unscheduled transaction that uses COF payment information.

Processors

  • AIBMS
  • Chase Paymentech Solutions
    —the only scenarios supported on C
    Chase Paymentech Solutions
     are reauthorizations and unscheduled card-on-file transactions.
  • Elavon Americas
  • FDC Compass
  • FDC Nashville Global
  • GPN
  • OmniPay Direct
  • Rede
  • Visa Platform Connect

Card Types

  • Mastercard—only on
    AIBMS
     and
    OmniPay Direct
  • Visa