Stored credential transactions (COF - card on file)

General information

Stored credential transactions (COF) provides the simple way to make the subsequent operations with the card data that stored during the initial operation.

The initial operation is carried out with the obligatory receipt of the payer's consent to store of card details for subsequent operations.

The initial operation can be:

• financial transaction - with card verification and following payment;
• registration transaction - with card verification without a following payment.

The initial operation is carried out using a conventional bankcard, or using a mobile device tokenization system, for example, Apple Pay or Samsung Pay.

The initial COF operation is carried out with verification by one of the possible ways (CVC2 and 3dS or using a mobile device).

Subsequent operations can be carried out after the successful completion of the primary transaction with the obligatory consent of the payer for the further use of card data. Subsequent operations are carried out without a re-verification procedure, if the processing protocol allows it.

CIT COF operations

Subsequent operations can be initiated by the payer. These operations are called «Customer Initialized Transaction» (CIT).

The One Click service is used to implement CIT COF operations in IPS Assist.

By participating in the service, the company maintains its database of customers, giving them an unique number (CustomerNumber), while the Assist system stores the encrypted credit card data corresponding to those merchant customers (CustomerNumber).

While performing of order payment, the customer gets an offer to save the card for future payments using the One Click service.

The One Click service allows a regular customer of a merchant to make new purchases without entering card data. The payment requires only confirmation by the CVC2 code. However, for subsequent operations with a saved card, CVC2 will usually not be requested (except the cases where special settings are made at the request of the merchant).

If the customer agrees to save the card, and proceed the successful payment then the IPS Assist generates a token - a unique card identifier that is stored in the system.

After the customer completes the payment for the order, a message with the payment parameters can be sent to the server of the merchant using the HTTP POST or SOAP method (for more details, see section 3.5 of the document «Setting up the technical interaction with IPS Assist») or the merchant can request the payment results by calling the orderresult web service.

In this case, an additional parameter appears in the list of payment parameters:

When the merchant builds the next order, it is possible to redirect to the IPS Assist payment page to pay with the earlier saved card. In this case, the merchant must send order data with a unique customer number, i.e. in addition to the authorized request parameters, it is necessary to transfer the CustomerNumber. All actions related to payment by a saved card are performed on the Assist side.

If for any reason it is more convenient for the merchant to independently display an offer to the customer to pay the order with a previously saved card (on its website or in a specialized mobile application), then in order to use CIT COF, the merchant has to call the Token Pay payment web-service.

Note to the parameter TokenType, the value of which should be equal to 5, and also the value of the PaymentToken parameter, which must contain the unique customer number in the merchant database (CustomerNumber) and the unique identifier of the saved customer card received during the initial operation of this customer from the IPS Assist.

The payment will be made as a CIT COF operation with the earlier saved card at the initial payment for this token of this customer.

The list of response parameters is similar to the standard response of the Token Pay service.

MIT COF operations

Subsequent operations can be initiated by the merchant. These operations are called «Merchant Initialized Transaction» (MIT).

Recurrent payments are used for the implementation of MIT COF operations in APC Assist.

Recurrent payments are used when periodic withdrawal of funds from a customer’s bank card to the account of the service provider’s company is required. This is a different kind of subscription - payment for hosting, mobile phone, access to resources, etc. This method is convenient for the user, since the card data is entered by the customer once during the first payment.

The merchant can store the subscription schedule on its side and initiate subsequent payments through a request to the web service of the IPS Assist (description of the parameters of the initiating authorization request and the web service for subsequent payments see the corresponding section.

In contrast to recurrent payments, the amounts of MIT COF payments, as well as the intervals at which they are made, are not fixed. Thus, the merchant can initiate a payment of the required amount at any time (for example, in the case of a zeroing of the balance of a service).

To make subsequent payments as MIT COF, only one of the additional parameters must be transferred:

Additional web services for COF

Getting a list of customer cards tokens

The web service allows to a merchant to receive a list of tokens of cards by the unique identifier of their client.

To access the web service send a request using the POST method to the request URL https://<SERVER_NAME>/pay/oneclick/v1/token.cfm  with parameters in JSON format.

List of request parameters:

*The parameter is automatically validated according to the rules.

An example of request:

POST https://<SERVER-NAME>/pay/oneclick/v1/token.cfm
POST data:{"merchant":{"merchant_id":"452739", "login":"LOGIN", "password":"PASSWORD"}, "customernumber":"1234", "language":"RU"}