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):

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)