Recurring payments

What are recurring payments?

In the simplest terms, recurring payments (also known as subscription payments, automatic payments, or recurring billing) take place when customers authorize a merchant to charge them repeatedly for goods or services on a prearranged schedule (monthly, weekly, daily or annually).

How recurring payments work?

With recurring payments you can charge a customer for access to a product.

Recurring payments are MIT (Merchant Initiated Transactions) payments - i.e customer did not initiate payment.

To process MIT you need:

• an approval from acquiring bank(s) to use MIT (Merchant Initiated Transactions). If acquiring bank does not support MIT transactions then you need an approval to process MIT as MOTO. In case you have any questions or need help feel free to contact us at [e-mail]

• an approval from customer for future authorizations

How to implement recurring payments?

For recurring payments you need to execute initial CIT (Customer Initiated Transaction).

• If you use our tokenization then you should set: save card for future payments to true

• If you are not using our tokenization i.e you are using your own tokenization solution then set external_tokenization to true. In this case you are required to store cit_id received in transaction authorization response

Once you saved card or received cit_id for initial CIT then you are ready to execute first merchant initiated transaction.

For MIT you should:

• set value of field merchant_initiated_transaction to true

• set value of field pan_token if you are using our tokenization service

• if you are using external tokenization then you need to set value of fields

  • pan

  • expiration_date

Request/response

Try out example below:

SCA Exemptions

Optionally and if applicable you can set value of SCA Exemption - depending on payment type. We support following exemptions:

• LVP (Low value payment)

• TRA (Transaction Risk Analysis)

• RP (Recurring Payment)

• MIT (Merchant-Initiated Transaction) - automatically applied if merchant_initiated_transaction is set to true

• UTT (Unattended transit terminal)

• ASO (Authentication Service Outage)

Exemptions are not supported by all acquiring banks.