Subscription compliant with PSD2 regulation
- First transaction (subscription initiation transaction) done via IVR, phone, mail
- All subsequent transactions are linked to the first transaction
Description
This section covers the implementation MOTO recurring card payments, on Axepta Online for CB, VISA, Mastercard.
Axepta Online offers 2 kind of subscription :
- Subscription for a fixed amount and frequency over a defined period: The amount, frequency and duration are known when the customer suscribes
- Variable subscription - CIT / MIT : in any other case, the amount, frequency or duration are not known at the time of subscription (tacit renewal).
The kind of subscription must be defined during the first transaction and cannot be modified during subscription.
If you want to switch from a fixed-term subscription to a variable subscription, you will have to enroll your customer again.
Prerequisites
Subscription / recurring payment by card (CB, Visa, Mastercard):
Choose which kind of subscription you will use (see below)
Get your client's consent for the subscription of a new subscription (on merchant side)
Store the following data
The JSON object Card containing: the tokenized card number (PCNr), the card brand and the expiration date
The schemeReferenceID received in response of the first transaction (subscription initiation transaction)
Subscription flows
The subscription flows are :
- Client enrolement : subscription initiation transaction
A chaining value will be sent in the response of this transaction. It will be stored by the merchant and used in all subsequent transactions (see diagram below).
- Subsequent transactions
- The subsequent transactions will be initiated by the merchant. It's an MIT or Merchant Initiated transaction.
The requests will use the chaining value received in response of the subscription initiation transaction.
- The subsequent transactions will be initiated by the merchant. It's an MIT or Merchant Initiated transaction.
Subscription flows
Focus on transactions chaining
A key data
The reponse of 1st transaction of a subscription will contain the chaining data which will be used to link ("chain") the subsequent transaction to the 1st transaction (initiation of the subscription).
The chaining data, received in response to the subscription initialization, is generated either by the bank or by the scheme (Visa, Mastercard).
In the Axepta Online documentation, the chaining data is called schemeReferenceID.
Principles
Transactions chaining
Subscription implementation
Subscription for a fixed amount and frequency over a defined period
Variable subscription - CIT / MIT
Subscription with AMEX cards
The recurring card payments, compliant with PSD2, on Axepta Online for AMEX require to use parameter TransactionID instead of schemeReferenceID (request and response).