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, Samsung Pay or Google Pay.
In any case, verification by one of the possible ways (CVC2 and 3dS or using a mobile device) is required for the initial COF operation.
Subsequent operations can be carried out after the successful initial operation with the obligatory consent of the payer to the further use of card data. Subsequent operations are carried out without any verification.
CIT COF operations
Subsequent operations can be initiated by the payer. These operations are called «Customer Initialized Transaction» (CIT).
The One Click program is used to implement CIT COF operations in IPS Assist.