Updates for January, 2024

There have been some updates on Payments object. Please check the updates below.

Stored credentials
Provider data

Stored credentials

Depending on how and when a payment is being processed, it can be considered to have two different origins: Customer Initiated Transactions (CIT) or Merchant Initiated Transactions (MIT).

To guarantee the responsible storage and utilization of cardholder information, Visa and Mastercard have implemented guidelines and regulations for stored credentials.

We have simplified the process for you to adhere to these scheme rules, allowing you to securely store card details in Yuno for future use while ensuring compliance.

	CIT	MIT
Definition	Customer-Initiated Transactions (CIT) are transactions in which the customer actively initiates the transaction, such as online purchases, in-store purchases, ATM withdrawals, etc.	Merchant-Initiated Transactions (MIT) are transactions in which the merchant or service provider initiates the transaction without active involvement from the customer.
Examples	Online purchases, in-store purchases, ATM withdrawals, etc.	Recurring payments, automatic subscription renewals, recurring billing, etc.
Authentication	Generally, these transactions require cardholder authentication to ensure security.	Only an initial authentication by the customer is necessary the later create merchant initiated transactions. Additional authentication may be required depending on security regulations and the policies of the card issuer.

Please check the guides documentation for more detail.

Provider data

Three new fields in the provider_data struct inside the payments.transactions object.

response_code string
The code that represents the response of the outcome of the transaction from the provider.
third_party_account_id string
The ID of the account from the processor of the provider. If it applies.
third_party_transaction_id string
The ID of the transaction from the processor of the provider. If it applies.
Example: 1309982