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)