One Click with CIT and MIT

To increase payment acceptance rate during one click recurring payment, the customer participant can be defined in the charge request. The types are CIT (Customer-Inititated Transactions) and MIT (Merchant-Initiated Transaction).

CIT (Customer-Initiated Transactions)

Customer-Initiated Transactions (CIT) are payments actively initiated by the cardholder, typically through an online checkout or point-of-sale interaction. These transactions involve real-time authorization as the cardholder provides payment details, such as card number and CVV, to complete the purchase. CITs are commonly used for recurring payment with saved card triggered by customer / card holder. They prioritize security and cardholder consent, ensuring compliance with card network standards for a seamless payment experience.

{
    "payment_type": "credit_card",
    "credit_card": {
        "token_id": "41111111ugjzrxeHHXXmCMhhCVXbJ8888", 
        "authentication": false,
        "initiated_by": "customer"
 },
    "transaction_details": {
        "order_id": "A87550",
        "gross_amount": 145000
    }
}

MIT (Merchant Initiated Transactions)

Merchant Initiated Transactions (MIT) enable merchants to process payments using saved credit card information without requiring the cardholder's direct involvement at the time of the transaction. This feature is commonly used for recurring payments, subscriptions, or post-purchase charges. Payments are securely initiated by the merchant, leveraging tokenized card data to ensure compliance with PCI-DSS standards. MIT simplifies customer experience, enhances transaction efficiency, and is supported by card networks with appropriate authentication and agreement from the cardholder.

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Note

To enable MIT feature merchants need to send attribute "initiated_by":"merchant" under "credit_card object".

{
    "payment_type": "credit_card",
    "credit_card": {
        "token_id": "41111111ugjzrxeHHXXmCMhhCVXbJ8888", 
        "initiated_by":"merchant"
    },
    "transaction_details": {
        "order_id": "A87550",
        "gross_amount": 145000
    }
}