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Take a card on file sale

Use our card on file sale resource when your customer is initiating a payment using stored card details, and you want to instantly trigger the settlement process. Read more about card on file mandateshere.

What are card on file payments?

  • The customer is actively particpating in making a payment at the point of authorization using card details you have previously stored/ intend to store
  • Does not follow a schedule
  • Requires explicit permission from the customer to store the card on their account for use in a “one-click” model
  • Sometimes referred to as Customer Initiated Transactions (CIT)

Important: From July 2020 you must submit the CVC for any card on file payment if your MCC is 7995, 7800, 7801, 7802 or 9406 and you are not authenticating your customer.
For all other MCCs/schemas it is optional, and not providing it should not have a direct effect on acceptance rates. We do, however, recommend submitting the CVC to help you manage fraud levels.

migrateCardOnFileSale request

POST your card on file sale request to our payments:migrateCardOnFileSale action link resource received in yourquery the payments root resourcerequest.

POST https://try.access.worldpay.com/payments/sales/migrateCardOnFile

The requests below contain all the mandatory fields needed for a successful authorization request. The full request schemas are available in ourAPI reference.

Click the tabs below to see all the mandatory fields for all supported paymentInstrument parameters.

migrateCardOnFileSale request body:

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{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": {
            "line1": "trading name"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/plain",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            }
        }
    }
}
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": {
            "line1": "trading name"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/token",
            "href": "https://try.access.worldpay.com/tokens/{}"
        }
    }
}
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": {
            "line1": "trading name"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/plain",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            }
        }
    },
    "customer": {
        "authentication": {
            "version": "1.0.2",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "z9UKb06xLziZMOXBEmWSVA1kwG0="
        }
    }
}
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": {
            "line1": "trading name"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/plain",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            }
        }
    },
    "customer": {
        "authentication": {
            "version": "2.1.0",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "c5b808e7-1de1-4069-a17b-f70d3b3b1645"
        }
    }
}
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": {
            "line1": "trading name"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/token",
            "href": "https://try.access.worldpay.com/tokens/{}"
        }
    },
    "customer": {
        "authentication": {
            "version": "1.0.2",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "z9UKb06xLziZMOXBEmWSVA1kwG0="
        }
    }
}
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": {
            "line1": "trading name"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/token",
            "href": "https://try.access.worldpay.com/tokens/{}"
        }
    },
    "customer": {
        "authentication": {
            "version": "2.1.0",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "c5b808e7-1de1-4069-a17b-f70d3b3b1645"
        }
    }
}
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "narrative": {
            "line1": "trading name"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/checkout",
            "tokenHref": "https://try.access.worldpay.com/tokens/eyJrIjoxLCJkIjoiNjd5bnJnSTR3a3FITW00SHNjaE90YnAwcVlvZ1pSZ3RFOXJjcklzVzY1ND0ifQ",
            "cvcHref": "https://try.access.worldpay.com/sessions/eyJrIjoxLCJkIjoiNjQxbUswTlVFYW05NWY2R0IvUEtqWXY0QjVyY2V5VHBBU0Q1TDNuSFQrMGtEc3RIZm1NQnFtNDhKcVB1TkoySDkycWhpRHVwSHBZY3F6NEZiUGwxVHc9PSJ9"
        }
    }
}

Mandatory authorization request parameters

ParameterRequiredDescription
transactionReferenceA unique reference generated by you. This is used to identify a payment throughout its lifecycle. Seetransaction reference formatfor more details and the best practices.
merchantAn object that contains information about the merchant.
merchant.entityDirect your payment to assist with billing, reporting and reconciliation. This is mandatory for authentication and queries.
Contact yourImplementation Managerfor more details.
instructionAn object that contains all the information related to the payment.
instruction.narrativeThe text that appears on your customer's statement. Used to identify the merchant.
Seenarrative formatfor more details and best practices.
narrative.line1The first line of the narrative which appears on your customer's statement (24 characters max. If character is not supported, it is replaced with a space.).
Seenarrative line1 formatfor more details.
instruction.valueAn object that contains information about the value of the payment.
value.currencyThe three digit currency code.
See list ofsupported currencies.
value.amountThe payment amount. This is a whole number with an exponent e.g. if exponent is two, 250 is 2.50. You can find the relevant exponent in ourcurrency table.
instruction.paymentInstrumentAn object that contains the payment type and details.
To use "tokens" as a paymentInstrument you must firstcreate a token. To use "checkout with CVC" as paymentInstrument you must first use ourcheckout SDKandcreate a token.
payoutInstrument.cardExpiryDateAn object that contains your customer's card expiry date.
Mandatory for all "type": "card/plain" requests.
payoutInstrument.cardNumberAn object that contains your customer's card number. Mandatory for "type": "card/plain" requests.

3DS

The below table describes the mandatory 3DS authorization request parameters:

ParameterRequiredDescription
customerAn object containing the result of your customer's verification. For more details see3DS verification.
authentication.type3DS
authentication.versionThe version of 3DS used to process the transaction.
For 3DS1 - 1.0.2
For 3DS2 - 2.1.0 or 2.2.0

Note: Required for Mastercard's Identity Check transactions in Authorization.

authentication.eciElectronic Commerce Indicator (ECI).
Indicates the outcome of the3DS verification.
  • 02 or 05 - Fully Authenticated Transaction
  • 01 or 06 - Attempted Authentication Transaction
  • 00 or 07 - Non 3-D Secure Transaction
  • Mastercard - 02, 01, 00
  • Visa - 05, 06, 07
  • Amex - 05, 06, 07
  • JCB - 05, 06, 07
  • Diners - 05, 06, 07
.
authentication.authenticationValueRequired, if authentication.eci value is 01, 02, 05 or 06.
A cryptographic value that provides evidence of the outcome of a 3DS verification.
  • Visa - Cardholder Authentication Verification Value (CAVV)
  • Mastercard - Universal Cardholder Authentication Field (UCAF)
authentication.authenticationValue must be 28 digits max and must be base64-encoded.
authentication.transactionIdRequired, if authentication.eci value is 01, 02, 05 or 06.
A unique authentication transaction identifier, generated by the issuer.

For version 3DS1: transactionId is base64-encoded and 28 digits in length.
For version 3DS2: transactionId follows RFC 4122 UUID standard and is 36 characters in length.

Additional optional fields

The below table describes all optional request parameters:

ParameterRequiredDescription
narrative.line2Additional details about the payment e.g. order number, telephone number.
instruction.debtRepaymentDRI is a flag which identifies a payment as being for the purpose of repaying a debt. Possible value:
  • true (only supply if true)
For more information contact yourRelationship Manager.
instruction.intentA parameter detailing the reason for this particular card on file agreement. Possible value:
  • instalment
payoutInstrument.cardHolderNameAn object that contains your customer's card name.
This is not a mandatory field however it is recommended that you supply this to improve authorization rates. If not sent, the default is "Not Supplied".
paymentInstrument.billingAddressAn object containing the billing address information. If included you must send at least:
  • address1
  • city
  • countryCode
  • postalCode
This is used for Address Verification Service (AVS) and can only be supplied with a card/plain payment instrument. Our API checks the submitted AVS to see if it matches the address registered with the issuing bank. If the address supplied does not match the registered address it means that the payment carries additional risk.
merchant.mccYou can apply a merchant category code (mcc) to an individual request. You can only provide an mcc if we have enabled the dynamic mcc feature duringboarding. If enabled but not provided, merchant.mcc defaults to a configured value. For more information contact yourRelationship Manager.
paymentInstrument.cvcCVC is a unique set of 3 or 4 numbers on the back of the card. Our API checks to see if the CVC supplied matches the CVC held by the issuing bank.
merchant.paymentFacilitatorAn object containing Payment Facilitator information. If required you must send:
  • pfId
  • isoId
  • subMerchant.merchantId
  • subMerchant.postalcode
  • subMerchant.street
  • subMerchant.city
  • subMerchant.countryCode
This information is required for every card on file only if you are a Payment Facilitator. You can find more formatting informationhere.
scheme.referenceUnique reference provided by the schemes that identifies a repeat payment agreement between you and the customer. A new reference is generated for every subsequent payment in the agreement. You can only submit this for card/plain payments. Most but not all issuers return this.
customer.riskProfileUsed to apply theSCA exemptionin the payment request and update theFraudSightdata model to benefit future payments.

Examples request

The requests below contain all the mandatory and optional fields for a migrateCardOnFileSale request. The full request schemas are also available in ourAPI reference.

Full migrateCardOnFileSale request body:

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{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default",
        "mcc": "6432",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "countryCode": "826"
            }
        }
    },
    "instruction": {
        "narrative": {
            "line1": "trading name",
            "line2": "order number"
        },
        "scheme": {
            "reference": "28379213"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "billingAddress": {
                "address1": "Worldpay",
                "address2": "1 Milton Road",
                "address3": "The Science Park",
                "postalCode": "CB4 0WE",
                "city": "Cambridge",
                "state": "Cambridgeshire",
                "countryCode": "GB"
            },
            "type": "card/plain",
            "cardHolderName": "John Appleseed",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 12,
                "year": 2020
            }
        },
        "intent": "instalment"
    },
    "customer": {
        "riskProfile": "https://try.access.worldpay.com/riskProfile/ewogICJ2IiA6IDEsC"
    }
}
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default",
        "mcc": "1000",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "countryCode": "826"
            }
        }
    },
    "instruction": {
        "debtRepayment": true,
        "narrative": {
            "line1": "trading name",
            "line2": "order number"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/token",
            "href": "https://try.access.worldpay.com/tokens/{}",
            "cvc": "898"
        },
        "intent": "instalment"
    },
    "customer": {
        "riskProfile": "https://try.access.worldpay.com/riskProfile/ewogICJ2IiA6IDEsC"
    }
}
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default",
        "mcc": "1234",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "countryCode": "826"
            }
        }
    },
    "instruction": {
        "debtRepayment": true,
        "narrative": {
            "line1": "trading name",
            "line2": "order number"
        },
        "scheme": {
            "reference": "28379213"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "cvc": "123",
            "billingAddress": {
                "address1": "Worldpay",
                "address2": "1 Milton Road",
                "address3": "The Science Park",
                "postalCode": "CB4 0WE",
                "city": "Cambridge",
                "state": "Cambridgeshire",
                "countryCode": "GB"
            },
            "type": "card/plain",
            "cardHolderName": "John Appleseed",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            }
        },
        "intent": "instalment"
    },
    "customer": {
        "riskProfile": "https://try.access.worldpay.com/riskProfile/ewogICJ2IiA6IDEsC",
        "authentication": {
            "version": "1.0.2",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA="
        }
    }
}
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default",
        "mcc": "1234",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "countryCode": "826"
            }
        }
    },
    "instruction": {
        "debtRepayment": true,
        "narrative": {
            "line1": "trading name",
            "line2": "order number"
        },
        "scheme": {
            "reference": "28379213"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "cvc": "123",
            "billingAddress": {
                "address1": "Worldpay",
                "address2": "1 Milton Road",
                "address3": "The Science Park",
                "postalCode": "CB4 0WE",
                "city": "Cambridge",
                "state": "Cambridgeshire",
                "countryCode": "GB"
            },
            "type": "card/plain",
            "cardHolderName": "John Appleseed",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            }
        },
        "intent": "instalment"
    },
    "customer": {
        "riskProfile": "https://try.access.worldpay.com/riskProfile/ewogICJ2IiA6IDEsC",
        "authentication": {
            "version": "2.1.0",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "c5b808e7-1de1-4069-a17b-f70d3b3b1645"
        }
    }
}
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default",
        "mcc": "1000",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "countryCode": "826"
            }
        }
    },
    "instruction": {
        "debtRepayment": true,
        "narrative": {
            "line1": "trading name",
            "line2": "order number"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/token",
            "href": "https://try.access.worldpay.com/tokens/{}",
            "cvc": "898"
        },

        "intent": "instalment"
    },
    "customer": {
        "riskProfile": "https://try.access.worldpay.com/riskProfile/ewogICJ2IiA6IDEsC",
        "authentication": {
            "version": "1.0.2",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "z9UKb06xLziZMOXBEmWSVA1kwG0="
        }
    }
}
{
    "transactionReference": "unique-transactionReference",
    "merchant": {
        "entity": "default",
        "mcc": "1000",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "countryCode": "826"
            }
        }
    },
    "instruction": {
        "debtRepayment": true,
        "narrative": {
            "line1": "trading name",
            "line2": "order number"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/token",
            "href": "https://try.access.worldpay.com/tokens/{}",
            "cvc": "898"

        },
        "intent": "instalment"
    },
    "customer": {
        "riskProfile": "https://try.access.worldpay.com/riskProfile/ewogICJ2IiA6IDEsC",
        "authentication": {
            "version": "2.1.0",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "c5b808e7-1de1-4069-a17b-f70d3b3b1645"
        }
    }
}
{
    "transactionReference": "unique-transactionReference",
    "mcc": "1000",
    "merchant": {
        "entity": "default",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "countryCode": "826"
            }
        }
    },
    "instruction": {
        "narrative": {
            "line1": "trading name",
            "line2": "order number"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/checkout",
            "tokenHref": "https://try.access.worldpay.com/tokens/eyJrIjoxLCJkIjoiNjd5bnJnSTR3a3FITW00SHNjaE90YnAwcVlvZ1pSZ3RFOXJjcklzVzY1ND0ifQ",
            "cvcHref": "https://try.access.worldpay.com/sessions/eyJrIjoxLCJkIjoiNjQxbUswTlVFYW05NWY2R0IvUEtqWXY0QjVyY2V5VHBBU0Q1TDNuSFQrMGtEc3RIZm1NQnFtNDhKcVB1TkoySDkycWhpRHVwSHBZY3F6NEZiUGwxVHc9PSJ9"
        },
        "intent": "instalment"
    },
    "customer": {
        "riskProfile": "https://try.access.worldpay.com/riskProfile/ewogICJ2IiA6IDEsC"
    }
}

Check out ourAPI referencesfor more information on the authorization request and schema for each version of our Payments API.

migrateCardOnFileSale response

Successful response

You receive:

  • an HTTP code 201
  • an "outcome": "Sent for Settlement"
  • risk factors (only returned if issuer identifies conflict)
  • an issuer authorization code
  • a scheme reference (not all issuers return this)
  • links torefund,partially refund,reverseyour request ortrackyour payment.
  • an authorization link for the next payment in your repeat payment agreement

Refused response

You receive:

  • an HTTP code 201
  • an "outcome": "refused"
  • arefusal code
  • a description which gives additional context on the refusal
  • risk factors (only returned if issuer identifies conflict)

Example response:

Copied!
{
    "outcome": "Sent for Settlement",
    "issuer": {
        "authorizationCode": "0"
    },
    "scheme": {
        "reference": "1260019172"
    },
    "riskFactors": [{
            "risk": "not_matched",
            "type": "cvc"
        },
        {
            "risk": "not_checked",
            "detail": "postcode",
            "type": "avs"
        },
        {
            "risk": "not_checked",
            "detail": "address",
            "type": "avs"
        }
    ],
    "_links": {
        "payments:refund": {
            "href": "https://try.access.worldpay.com/payments/settlements/refunds/full/eyJrIjoiazNhYjYzMiJ9"
        },
        "payments:partialRefund": {
            "href": "https://try.access.worldpay.com/payments/settlements/refunds/partials/eyJrIjoiazNhYjYzMiJ9"
        },
        "payments:reversal": {
            "href": "https://try.access.worldpay.com/payments/sales/reversals/eyJrIjoiazNhYjYzMiJ9"
        },
        "payments:events": {
            "href": "https://try.access.worldpay.com/payments/events/eyJrIjoiazNhYjYzMiJ9"
        },
        "curies": [{
            "name": "payments",
            "href": "https://try.access.worldpay.com/rels/payments/{rel}",
            "templated": true
        }]
    }
}
{
    "outcome": "refused",
    "description": "CARD EXPIRED",
    "code": "33",
    "riskFactors": [{
            "risk": "not_supplied",
            "type": "cvc"
        },
        {
            "risk": "not_checked",
            "detail": "address",
            "type": "avs"
        },
        {
            "risk": "not_checked",
            "detail": "postcode",
            "type": "avs"
        }
    ]
}