# Customer initiated sale using card on file

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

Endpoint: POST /payments/sales/migrateCardOnFile
Version: 5
Security: BasicAuth

## Request fields (application/vnd.worldpay.payments-v5+json):

  - `instruction` (object, required)

  - `instruction.value` (object, required)

  - `instruction.value.amount` (integer, required)

  - `instruction.value.currency` (string, required)

  - `instruction.narrative` (object, required)

  - `instruction.narrative.line1` (string, required)

  - `instruction.narrative.line2` (string)

  - `instruction.paymentInstrument` (any, required)

  - `instruction.debtRepayment` (boolean)

  - `merchant` (object, required)

  - `merchant.entity` (string, required)

  - `merchant.mcc` (string)

  - `merchant.paymentFacilitator` (object)

  - `merchant.paymentFacilitator.pfId` (string, required)

  - `merchant.paymentFacilitator.subMerchant` (object, required)

  - `merchant.paymentFacilitator.subMerchant.city` (string, required)

  - `merchant.paymentFacilitator.subMerchant.name` (string, required)

  - `merchant.paymentFacilitator.subMerchant.postalCode` (string, required)

  - `merchant.paymentFacilitator.subMerchant.merchantId` (string, required)

  - `merchant.paymentFacilitator.subMerchant.countryCode` (string, required)

  - `merchant.paymentFacilitator.subMerchant.street` (string, required)

  - `merchant.paymentFacilitator.subMerchant.state` (string)

  - `merchant.paymentFacilitator.subMerchant.taxId` (string)

  - `merchant.paymentFacilitator.isoId` (string)

  - `transactionReference` (string, required)

  - `channel` (string)
    Enum: "moto"

  - `customer` (object)

  - `customer.authentication` (object, required)

  - `customer.authentication.eci` (string, required)

  - `customer.authentication.type` (string, required)

  - `customer.authentication.authenticationValue` (string)

  - `customer.authentication.version` (string)

  - `customer.authentication.transactionId` (string)

## Response 201 fields (application/vnd.worldpay.payments-v5.hal+json):

  - `outcome` (string, required)

  - `issuer` (object)

  - `issuer.authorizationCode` (string, required)

  - `paymentInstrument` (object)

  - `paymentInstrument.type` (string)

  - `paymentInstrument.card` (object)

  - `paymentInstrument.card.number` (object)

  - `paymentInstrument.card.number.bin` (string)

  - `paymentInstrument.card.number.last4Digits` (string)

  - `paymentInstrument.card.number.dpan` (string)

  - `paymentInstrument.card.paymentAccountReference` (string)

  - `paymentInstrument.card.countryCode` (string)

  - `paymentInstrument.card.fundingType` (string)

  - `paymentInstrument.card.brand` (string)

  - `paymentInstrument.card.expiryDate` (object)

  - `paymentInstrument.card.expiryDate.month` (integer)

  - `paymentInstrument.card.expiryDate.year` (integer)

  - `riskFactors` (array)
    Any risk factors which have been identified for the authorization. This section will not appear if no risks are identified.

  - `riskFactors.risk` (string, required)
    Enum: "not_checked", "not_matched", "not_supplied"

  - `riskFactors.detail` (string)
    Enum: "address", "postcode"

  - `scheme` (object)

  - `scheme.reference` (string, required)