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Sequence diagrams - stored card using a Worldpay Token

Customer Initiated Transactions (CITs)

Store card details for future CITs.

Creating a stored card

Creating a token, authentication using 3DS and using the token as part of a card payment.

For use with future Customer Initiated Payments (CIT)

Using:

  1. Tokens API
  2. 3DS API
  3. Card Payments API
BrowserMerchant_FrontendMerchant_BackendTokens_API3DS_APICard_Payments_APIIssuersIncludes Worldpay TokenIncludes Worldpay TokenUpdate or close challenge window on websiteApply authentication details in payment E.g. eci, authenticationValue etcSet `customerAgreement.type: cardOnFile` `customerAgreement.storedCardUsage: first`Includes tokenClick PayPayTokens requestTokens responsedeviceDataInitialization requestdeviceDataInitialization responseDeviceData - BIN/JWT/URL3DS Device Data formForm POSTPostMessage: dfReferenceIdauthentication requestAuthentication responseChallenge JWT/URL3DS challenge formForm POST`returnUrl` specified in authentication requestVerification requestVerification responsecustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement responseBrowserMerchant_FrontendMerchant_BackendTokens_API3DS_APICard_Payments_APIIssuers

Using a stored card (CIT)

Using a token with 3DS authentication and using the token as part of a card payment.

Using:

  1. 3DS API
  2. Card Payments API
BrowserMerchant_FrontendMerchant_Backend3DS_APICard_Payments_APIIssuersIncludes tokenIncludes TokenUpdate or close challenge window on websiteApply authentication details in payment E.g. eci, authenticationValue etcIncludes token & 3DS authentication detailsClick PayPaydeviceDataInitialization requestdeviceDataInitialization responseDeviceData - BIN/JWT/URL3DS Device Data formForm POSTPostMessage: dfReferenceIdAuthentication requestAuthentication responseChallenge JWT/URL3DS challenge formForm POST`returnUrl` specified in authentication requestVerification requestVerification responsecustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement responseBrowserMerchant_FrontendMerchant_Backend3DS_APICard_Payments_APIIssuers

Merchant Initiated Transactions

Setup recurring customer agreement

Request 3DS authentication with the challenge set as mandated for SCA compliance. Send a card payments Customer Initiated Transaction (CIT) request.

Using:

  1. 3DS API
  2. Card Payments API
BrowserMerchant_FrontendMerchant_Backend3DS_APICard_Payments_APIIssuersSet `challenge.preference.challengeMandated` (if in mandated region)Update or close challenge window on websiteApply authentication details in payment E.g. eci, authenticationValue etcSet `customerAgreement.type: subscription` `customerAgreement.storedCardUsage: first`Click PayPaydeviceDataInitialization requestdeviceDataInitialization responseDeviceData - BIN/JWT/URL3DS Device Data formForm POSTPostMessage: dfReferenceIdAuthentication requestAuthentication responseChallenge JWT/URL3DS challenge formForm POST`returnUrl` specified in authentication requestVerification requestVerification responsecustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement responseBrowserMerchant_FrontendMerchant_Backend3DS_APICard_Payments_APIIssuers

Subsequent Merchant Initiated Transaction (MIT)

Send an MIT request for subsequent recurring transactions.

Using:

  1. Card Payments API
BrowserMerchant_FrontendMerchant_BackendCard_Payments_APIIssuersSet `customerAgreement.type: subscription` `customerAgreement.storedCardUsage: subsequent`Click PayPaymerchantInitiatedTransactions requestmerchantInitiatedTransactions responseSettlement requestSettlement responseBrowserMerchant_FrontendMerchant_BackendCard_Payments_APIIssuers