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This section covers the implementation recurring card payments, compliant with PSD2, on Axepta Online for CB, VISA, Mastercard.
Axepta Online offers 2 kind of subscription :
For recurring card payments with a first MOTO transaction, you can refere to Recurring card payments (Subscription) - MOTO (Mail Order / Telephone Order)
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 (new CIT transaction - Customer Initiated Transaction - with 3DS authentication). |
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)
The subscription flows are :
The 1st transaction, initiated by the client, will be authenticated with 3DSV2. It's a CIT or Customer Initiated transaction.
This transaction will not be eligible to an exemption request.
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).
The requests will use the chaining value received in response of the subscription initiation transaction.
Subscription flows
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.
Transactions chaining
ExampleThe customer subscribes to a gym for 1 year for € 34.99 per month
1. Client enrolement : subscription initiation transaction
Request The following table describes the additional encrypted parameters added to the payment request:
Response The following table describes the parameters received in the payment response and stored by the merchant.
2. Subsequent transactionsSubsequent transactions are initiated by the merchant through :
Server-to-serverRequest The following table describes the additional encrypted parameters added to the payment request:
Response
Batch
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The variable subscription is a subscription with a variable amount during the subscription and/or a duration not known when the client suscribes. ExamplesThe customer subscribes to a service with a fixed fees and monthly consumptions
Or the customer subscribes to a service with tacit monthly renewal :
1. Client enrolement : subscription initiation transaction
Request The following table describes the additional encrypted parameters added to the payment request:
Response The following table describes the parameters received in the payment response and stored by the merchant.
2. Subsequent transactionsSubsequent transactions are initiated by the merchant through :
Server-to-serverRequest The following table describes the additional encrypted parameters added to the payment request:
Response
Batch
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The recurring card payments, compliant with PSD2, on Axepta Online for AMEX require to use parameter TransactionID instead of schemeReferenceID (request and response).