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To summarize:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Our ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Card on file"]}," resources flag all payments as Customer-Initiated Transactions (CIT)"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Our ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Recurring"]}," resources flag all payments as Merchant-Initiated Transactions (MIT)."]}]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Specifically, there are four relevant Worldpay resources available to merchants."]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Card on file Authorize"]}," - this is the resource to use when a customer is initiating a payment using card details already held by the merchant."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Card on file Sale"]}," - this is used when customers are beginning a payment using stored credentials and the merchant wants to trigger the settlement process straightaway."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Recurring Authorize"]}," - merchants use this to initiate a payment using a customer's stored details."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Recurring Sale"]}," - this action initiates a payment using stored card details and want to begin the settlement process straightaway."]}]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Within our ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["recurring resources"]},", we use the ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["intent"]}," field to specify whether the MIT is a subscription, instalment or unscheduled payment (see above). In addition:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["If a transaction does not include a scheme reference, it is identified to be a first payment."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["If a scheme reference is included, we identify the transaction as a subsequent payment."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Best practice is to use either the original scheme reference or the most recent one - we use the most recent scheme reference in our response to a successful CIT/MIT authorization."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"card-numbers-vs-tokens","__idx":10},"children":["Card numbers vs tokens"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"what-are-tokens","__idx":11},"children":["What are tokens?"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The growth of eCommerce and the need for increasingly robust security measures have been driving forces behind tokenization. For credit card payments, the customer's primary account number is replaced with a randomly-generated reference - a URI. This is the 'token', and it can be passed through the payments system to enable the transaction to be processed without exposing the customer's bank details."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"using-tokens","__idx":12},"children":["Using tokens"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Many merchants use Worldpay to create verified tokens, in which every new token created contains valid customer payment details and is stored credential compliant. Using Worldpay allows us to manage scheme references on your behalf. If you have verified tokens with another provider, you must update your Worldpay token with the scheme reference."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"using-plain-card-numbers","__idx":13},"children":["Using plain card numbers"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Once you have completed an account verification with Worldpay, you can store the 'next actions' links for a card on file authorization or a recurring authorization. These links contain the necessary scheme reference data to allow Worldpay to manage the scheme reference on your behalf."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You can override Worldpay's stored scheme reference by supplying your own in the body of your request. If you want to manage the scheme reference yourself, you need not store the 'next actions' links from the first CIT. This may appeal to merchants who use more than one payment service provider."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"conclusion","__idx":14},"children":["Conclusion"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["We hope that this article has provided a useful introduction to credit card payments and processes. Further articles will cover specific products, such as verification, and explain their place and function within Access Worldpay."]}]},"headings":[{"value":"Demystifying card payments (2)","id":"demystifying-card-payments-2","depth":1},{"value":"An overview of repeat payments.","id":"an-overview-of-repeat-payments","depth":3},{"value":"Introduction","id":"introduction","depth":2},{"value":"Why offer repeat payment?","id":"why-offer-repeat-payment","depth":3},{"value":"Why use stored credentials?","id":"why-use-stored-credentials","depth":3},{"value":"Types of transaction","id":"types-of-transaction","depth":3},{"value":"Useful terms","id":"useful-terms","depth":3},{"value":"Usage flag","id":"usage-flag","depth":4},{"value":"Scheme reference","id":"scheme-reference","depth":4},{"value":"The Worldpay approach","id":"the-worldpay-approach","depth":2},{"value":"Card numbers vs tokens","id":"card-numbers-vs-tokens","depth":3},{"value":"What are tokens?","id":"what-are-tokens","depth":4},{"value":"Using tokens","id":"using-tokens","depth":4},{"value":"Using plain card numbers","id":"using-plain-card-numbers","depth":4},{"value":"Conclusion","id":"conclusion","depth":2}],"frontmatter":{"seo":{"title":"Demystifying card payments (2)","description":"This is the second in a series of articles explaining card payments, systems and products. 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