Subsequent recurring payment

Following an initial agreement, make subsequent recurring payments.

The request must contain:

customerAgreement.type = subscription - used to indicate the customer has agreed to storing their card for the purpose of future merchant initiated transactions (MIT)

customerAgreement.storedCardUsage = subsequent

Request

Basic example to illustrate the core values required

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "method": "card",
        "paymentInstrument": {
            "type": "plain",
            "cardNumber": "4000000000001091",
                "expiryDate": {
                "month": 5,
                "year": 2035
            }
        },
        "customerAgreement": {
            "type": "subscription",
            "storedCardUsage":"subsequent"
        },
        "narrative": {
            "line1": "trading name"
        },
        "value": {
            "currency": "GBP",
            "amount": 42
        }
    }
}

Enable additional features


Fraud assessment	Prevent fraudulent transactions.	How to Enable
3DS authentication	Shift Liability to the issuer / for EEA countries this is required as part of SCA compliance.	Not Applicable
SCA Exemptions	Meet SCA compliance without the added friction of 3DS.	Not Applicable
Auto Settlement	Request that payment authorizations are automatically sent for settlement (sometimes referred to as "capture").	How to Enable
Financial Services (MCC 6012 / 6051)	If you provide financial services, debt repayment, or consumer bill payments, you should supply additional details in the authorization request for compliance reasons.	Details to provide

Response

Flow differences

API responses differ based on the features you have enabled:

If FraudSight is enabled, you can receive a fraudHighRisk response, stopping the transaction.
If settlement.auto is set to true, the outcome will be sentForSettlement. If set to false it will be authorized with an addtional settlement action required.

See sequence diagrams to get a clear overview.

Payment response

The payment response contains the following details:

riskFactors (avs/cvc) - if billing address & cvc are provided, these details are checked against the customer's issuing bank
refusal code and description which gives additional context on the refusal
3DS authentication details - details on the 3DS authentication outcome (e.g. challenged)
fraud assessment details - details on the fraud assessment outcome (e.g. lowRisk, review)
token creation - details of the card tokenized and the token href itself
paymentInstrument - details of the paymentInstrument used

View the full API Response schema.