Last Updated: 17 October 2024 | Change Log

Use a stored card

Use a previously stored card to send a payments request. This is for customer initiated transactions (CIT) only.

Additionally, to collect the CVC value, use the Checkout SDK to create a cvc session and maintain a low PCI burden.

The request must contain:

customerAgreement.type = cardOnFile
customerAgreement.storedCardUsage = subsequent

Request

application/json

Use a previously stored token for a customer initiated payment (CIT)

{
  "transactionReference": "Memory265-13/08/1876",
  "merchant": {
    "entity": "default"
  },
  "instruction": {
    "method": "card",
    "paymentInstrument": {
      "type": "token",
      "cvc": "333",
      "href": "https://try.access.developer.com/tokens/eyJrIjoxLCJkIjoialRBL0FFelBzcnZpNCtzRGNRemh0NzI0NE1rdUtjMUFJdjYxVnlibWZuUT0ifQ"
    },
    "customerAgreement": {
      "type": "cardOnFile",
      "storedCardUsage": "subsequent"
    },
    "narrative": {
      "line1": "trading name"
    },
    "value": {
      "currency": "GBP",
      "amount": 42
    }
  }
}

Enable additional features

Feature	Description
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.	How to enable
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.	How to enable

Response

Flow differences

API responses differ based on the features you have enabled:

If 3DS is enabled you receive a response to perform Device Data Collection and additionally, if prompted by the card issuer, a challenge response.
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