Recurring Transactions
Follow these guidlelines when processing recurring transactions.
For Visa, MasterCard and Discover:
When storing credentials for the first time in an eCommerce application (cardholder not present) environment:
- 'eCommerce_flag' set to ‘5’, ‘6’ or ‘7’ (as applicable)
- [Optional} Submit a $0.00 Account Verification transaction along with 'indicator' set to ‘1’ (first time)
- 'indicator' set to ‘1’ (first time) is applicable.
- Submit transaction amount when credentials are stored for cardholder-initiated stored credential transactions.
When initiating a recurring transaction using a stored credential (Merchant Initiated Transaction):
- 'eCommerce_flag' set to ‘2’ (Recurring)
- 'initiation' set to “M” (Merchant Initiated)
- 'schedule' set to ‘S’ (Scheduled)
- CVV data must not be sent
When initiating an unscheduled transaction using a stored credential (Merchant Initiated Transaction):
- 'eCommerce_flag' set to ‘5’, ‘6’, ‘7’ (as applicable for eCommerce) or ‘1’ (Phone/Mail Order)
- 'initiation' set to “M” (Merchant Initiated)
- 'schedule' set to ‘U’ (Unscheduled)
- The transaction must not be identified as Installment or Recurring
For American Express only:
- When storing credentials for the first time, 'eCommerce_flag' set to ‘5’, ‘6’ or ‘7’ (as applicable for eCommerce)
- When processing a card on file transaction where the billing frequency and amount are variable, 'eCommerce_flag' set to 'X' (Reauthorize Transaction/Amex only)
- When processing a card on file transaction for recurring billing, 'eCommerce_flag' set to '2' (Recurring)
- Submit 'initiation' as applicable (Merchant or Cardholder Initiated)
- Submit 'indicator' as applicable (first time or subsequent)
Updated over 3 years ago