Merchant Initiated Transactions (MIT)
Cardholder Initiated Transaction
Please use the following mandatory parameters to submit initial recurring payment:
| storedCredentials | Description |
|---|---|
sequence | represents the sequence, available values for recurring payments are: 'FIRST' - initial payment |
scheduled | indicator, if the payment is part of scheduled or unscheduled transaction, for MIT payments must be always set to 'false' |
initiator | represents transaction initiator, available values; 'CARDHOLDER' - to be used for the FIRST transaction |
The following is an example of a first Credentials-on-File (COF) transaction indicating 3DS requestor’s preference to challenge a cardholder:
{
"requestType": "PaymentCardSaleTransaction",
"transactionAmount": {
"total": "12.00",
"currency": "EUR"
},
"paymentMethod": {
"paymentCard": {
"number": "414746******0083",
"securityCode": "XXX",
"expiryDate": {
"month": "12",
"year": "28"
}
}
},
"storedCredentials": {
"sequence": "FIRST",
"scheduled": false,
"initiator": "CARDHOLDER"
},
"authenticationRequest": {
"authenticationType": "Secure3DAuthenticationRequest",
"termURL": "https://test.ipg-online.com/webshop/simulator/secure3d/return",
"methodNotificationURL": "https://test.ipg-online.com/ipgconfirmation/services/secure3ds",
"challengeIndicator": "04"
}
}
After this request the transaction processing continues with EMV 3-D Secure flow and authorization is triggered automatically once the authentication has been successfully completed.
The API response you received after your customer got authenticated successfully contains also the element schemeTransactionId what must be submitted in your next MIT transaction request in referencedSchemeTransactionIdparameter.
{
"type": "transactionResponse",
"clientRequestId": "4e7c624f-8a69-4b80-ba13-cf90e62a8a77",
"apiTraceId": "Zvu_eOuxkeIY0d0V3XDsHAAAAZ4",
"ipgTransactionId": "84668628125",
"orderId": "R-3e2522f8-7d5b-4ec5-97b0-f65caa2994c0",
"transactionType": "SALE",
"paymentToken": {
"reusable": true,
"declineDuplicates": false,
"brand": "VISA",
"type": "PAYMENT_CARD"
},
"transactionOrigin": "ECOM",
"paymentMethodDetails": {
"paymentCard": {
"expiryDate": {
"month": "12",
"year": "2028"
},
"bin": "414746",
"last4": "0083",
"brand": "VISA"
},
"paymentMethodType": "PAYMENT_CARD",
"paymentMethodBrand": "VISA"
},
"country": "Singapore",
"terminalId": "72088002",
"merchantId": "720888002",
"transactionTime": 1727774584,
"approvedAmount": {
"total": 12.00,
"currency": "EUR",
"components": {
"subtotal": 12.00
}
},
"transactionAmount": {
"total": 12.00,
"currency": "EUR",
"components": {
"subtotal": 12.00
}
},
"transactionStatus": "APPROVED",
"approvalCode": "Y:886591:4668628125:PPX :511392",
"secure3dResponse": {
"responseCode3dSecure": "1"
},
"schemeTransactionId": "249771795129519",
"processor": {
"referenceNumber": "084668628125",
"authorizationCode": "886591",
"responseCode": "00",
"responseMessage": "Function performed error-free",
"avsResponse": {
"streetMatch": "NO_INPUT_DATA",
"postalCodeMatch": "NO_INPUT_DATA"
},
"taxRefundData": {}
}
}
Merchant Initiated Transaction
After you completed the previous step successfully, you will be able to initiate an MIT transaction:
| storedCredentials | Parameter description |
|---|---|
sequence | represents the sequence, available values for recurring payments are: 'SUBSEQUENT' - subsequent payment |
scheduled | indicator, if the payment is part of scheduled or unscheduled transaction, for MIT payments must be always set to 'false' |
initiator | represents transaction initiator, available values; 'MERCHANT' - to be used for SUBSEQUENT transaction |
referencedSchemeTransactionId | value received in the response from "FIRST" transaction in the response parameterschemeTransactionId |
The following JSON document represents an example of a MIT transaction with minimal set of elements:
{
"requestType": "PaymentCardSaleTransaction",
"transactionAmount": {
"total": "12.00",
"currency": "EUR"
},
"paymentMethod": {
"paymentCard": {
"number": "414746******0083",
"securityCode": "XXX",
"expiryDate": {
"month": "12",
"year": "28"
}
}
},
"storedCredentials": {
"sequence": "SUBSEQUENT",
"scheduled": false,
"initiator": "MERCHANT",
"referencedSchemeTransactionId": "249771795129519"
}
}
{
"type": "transactionResponse",
"clientRequestId": "a2685efc-750b-4ba7-b8e9-a17319e5f560",
"apiTraceId": "ZvvGY3PrgEwsK5TTx7oExgAAAj4",
"ipgTransactionId": "84668630629",
"orderId": "R-34c1dcae-75d5-42af-8340-08aa31c1ab68",
"transactionType": "SALE",
"paymentToken": {
"reusable": true,
"declineDuplicates": false,
"brand": "VISA",
"type": "PAYMENT_CARD"
},
"transactionOrigin": "ECOM",
"paymentMethodDetails": {
"paymentCard": {
"expiryDate": {
"month": "12",
"year": "2028"
},
"bin": "414746",
"last4": "0083",
"brand": "VISA"
},
"paymentMethodType": "PAYMENT_CARD",
"paymentMethodBrand": "VISA"
},
"country": "Singapore",
"terminalId": "72088002",
"merchantId": "720888002",
"transactionTime": 1727776355,
"approvedAmount": {
"total": 12.00,
"currency": "EUR",
"components": {
"subtotal": 12.00
}
},
"transactionAmount": {
"total": 12.00,
"currency": "EUR",
"components": {
"subtotal": 12.00
}
},
"transactionStatus": "APPROVED",
"approvalCode": "Y:271812:4668630629:PPX :512076",
"schemeTransactionId": "119022149996541",
"processor": {
"referenceNumber": "084668630629",
"authorizationCode": "271812",
"responseCode": "00",
"responseMessage": "Function performed error-free",
"avsResponse": {
"streetMatch": "NO_INPUT_DATA",
"postalCodeMatch": "NO_INPUT_DATA"
},
"taxRefundData": {}
}
}
Updated 15 days ago
