Overview
A merchant-initiated transaction (MIT) is a payment transaction initiated by a merchant with the customer’s prior consent. MIT payments are sometimes named subsequent or recurring card payment transactions.
Card schemes require additional parameters to process MIT payments.
The MIT flow involves two or more transactions: an initial payment and one or more subsequent payments.
This topic describes these transactions and the additional parameters to be included in these requests:
- Initial MIT card payment request, initiated by a customer.
- Subsequent MIT card payment requests, initiated by the merchant with the customer’s prior consent using the customer’s stored credentials.
Stored Credentials
Subsequent MIT payment requests are sent by you (with the customer’s prior consent), using the customer’s “cardholder details” (stored credentials).
- It is recommended to access stored credentials via our Card-on-File/payment tokens solution (see Buyer Payment Management (Tokenization)), which seamlessly handles card schemes’ “Stored Credentials” requirements on your behalf.
- Only merchants who have the relevant level of PCI compliance are allowed to store cardholder credentials, and payment transactions need to conform to the card schemes’ “Stored Credentials” requirements (see Storing Credentials Yourself).
Submit the Initial MIT Payment
Perform the relevant steps described in the Non-3D-Secure topic.
When sending the initial MIT /payment
request with its mandatory parameters, include these additional parameters:
rebill.step:
“init” – To indicate the initial MIT.rebill.frequency
– Format: number of days.rebill.expiry
– Format: YYYYMMDD
Example Initial MIT /payment
Non-3DS Request
{ "processingEntityId": "<your processingEntityId>", "amount": "12", "currency": "USD", "paymentOption": { "card": { "cardNumber": "5101081046006034", "cardHolderName": "John Smith", "expirationMonth": "10", "expirationYear": "2026", "cvv": "345" } }, "custom": { "description": "Some description" }, "deviceDetails": { "ipAddress": "<customer's IP address>" }, "rebill": { "expiry": "2023-10-02", "frequency": "6", "step": "init" }, "buyerDetails": { "buyerId": "<unique customer identifier in your system>", "firstName": "John", "lastName": "Smith", "companyName": "Nuvei Corp", "dateOfBirth": "1978-01-01", "email": "[email protected]", "phone": "6175551414", "billingAddress": { "address": "22 Main Street", "zip": "02460", "city": "Boston", "countryCode": "US", "phone": "6175551414", "addressMatch": "true" }, "shippingAddress": { "sameAsBilling": "true", "address": "22 Main Street", "zip": "02460", "city": "Boston", "countryCode": "US", "phone": "6175551414" } } }
Submit Subsequent MIT Payments
Subsequent MIT payment requests are handled for payments originally initiated by Nuvei:
Send subsequent MIT /payment
requests with their mandatory parameters, and include these additional parameters:
rebill.step
: “MIT” – Indicates that this is a subsequent MIT.relatedTransactionId
: “<transactionId
from the original initial customer-initiated transaction>”
Example Subsequent MIT /payment
Non-3DS Request
{ "processingEntityId": "your processingEntityId", "amount": "12", "currency": "USD", "relatedTransactionId": "<transactionId from the original initial customer-initiated transaction>", "paymentOption": { "store": "buyerToken", "card": { "cardNumber": "5101081046006034", "cardHolderName": "John Smith", "expirationMonth": "10", "expirationYear": "2026", "cvv": "345" } }, "custom": { "description": "Some description" }, "deviceDetails": { "ipAddress": "customer's IP address>" }, "rebill": { "step": "MIT" }, "buyerDetails": { "buyerId": "unique customer identifier in your system", "firstName": "John", "lastName": "Smith", "companyName": "Nuvei Corp", "dateOfBirth": "1978-01-01", "email": "[email protected]", "phone": "6175551414", "billingAddress": { "address": "22 Main Street", "zip": "02460", "city": "Boston", "countryCode": "US", "phone": "6175551414", "addressMatch": "true" }, "shippingAddress": { "sameAsBilling": "true", "address": "22 Main Street", "zip": "02460", "city": "Boston", "countryCode": "US", "phone": "6175551414" } } }