Feature: CIT and MIT

There are 2 features scenario to increase payment acceptance rate during recurring payment.

Feature CIT:
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 one-time payments or the first transaction in a recurring payment setup. They prioritize security and cardholder consent, ensuring compliance with card network standards for a seamless payment experience.

To enable CIT feature merchants need to send attribute "initiated_by":"customer" under "credit_card object".

{
    "payment_type": "credit_card",
    "credit_card": {
        "token_id": "4811117d16c884-2cc7-4624-b0a8-10273b7f6cc8",  //temporary token from get token
        "save_token_id": true,
        "authentication": true,
        "initiated_by": "customer"
 },
    "transaction_details": {
        "order_id": "A87550",
        "gross_amount": 145000
    }
}

Feature MIT:
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.

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",  //saved card
        "initiated_by":"merchant"
    },
    "transaction_details": {
        "order_id": "A87550",
        "gross_amount": 145000
    }
}