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.

Categorization

CITMIT
DefinitionCustomer-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.
ExamplesOnline purchases, in-store purchases, ATM withdrawals, etc.Recurring payments, automatic subscription renewals, recurring billing, etc.
AuthenticationGenerally, 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.

Defining whether a transaction is initiated by the merchant or the customer has significant implications for security, user experience, fraud prevention, and regulatory compliance. This ensures an efficient and secure payment process for all parties involved.

General Considerations:

  • Responsibility: In the context of Strong Customer Authentication (SCA) under PSD2 regulation in the European Union, CIT generally requires higher authentication compared to MIT.
  • Frequency: MIT transactions are often recurring and periodic, while CIT are more ad hoc events based on customer actions.

Create a payment with processing type

In order to indicate a payment specifying the processing type, use the structure stored_credentials inside the payment_method.detail.card while creating a payment.

ParameterTypeDescription
reasonenumIndicates the store credentials reason for the transaction.
CARD_ON_FILE
SUBSCRIPTION
UNSCHEDULED_CARD_ON_FILE
usageenumA credit card could be stored with or without a first initial payment. This field Iets you indicate if this is the first time the vaulted_token/network_token is used for a payment or if it has already been used for a previous payment.
FIRST
USED

Store credential reasons

ReasonDescription
CARD_ON_FILEA customer-initiated payment using a previously enrolled credit card where the cardholder is present. Allow customers one-click payment for a frictionless payment experience.
SUBSCRIPTIONA merchant-initiated payment as part of a subscription schedule and with a set amount. Payments are processed in regular intervals to which the user has given consent.
UNSCHEDULED_CARD_ON_FILEA merchant initiated payment using stored credit card details that is not related to a subscription schedule or amount. Payment that could happen at any given time.

Request Example

curl --request POST \
     --url https://api-sandbox.y.uno/v1/payments \
     --header 'X-Idempotency-Key: <Your idempotency-key>' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'private-secret-key: <Your private-secret-key>' \
     --header 'public-api-key: <Your public-api-key>' \
     --data '
{
    "description": "Test",
    "account_id": "{{account-code}}",
    "merchant_order_id": "0000023",
    "country": "CO",
    "merchant_reference" : "reference-{{$randomUUID}}",
    "amount": {
        "currency": "COP",
        "value": 5000
    },
    "customer_payer": {
        "id":"967ecd18-d898-4b88-9400-dd5b01b18edc"
    },
    "workflow": "DIRECT",
    "payment_method": {
        "type":"CARD",
        "vaulted_token": "eb8caa17-6407-457b-960e-125d8d7a90c1",
        "detail": {
           "card": {
               "stored_credentials":{
                  "reason":"CARD_ON_FILE",
                  "usage": "USED"
              }
           }
        }
    }
}
'