{"templateId":"markdown","sharedDataIds":{},"props":{"metadata":{"markdoc":{"tagList":["tabs","tab"]},"type":"markdown"},"seo":{"title":"Sequence diagrams - Stored card using Worldpay Token | Worldpay Developer","description":"Sequence diagrams for common Stored card flows using Worldpay Tokens","siteUrl":"https://docs.worldpay.com/access","image":"/access/assets/worldpay-logo-light.21b7daf79984773a9fcd7d4fbcb07ae5289dfffd6023c4c3dca720c7058e53dc.33f780a6.svg","keywords":"documentation, api, openapi, sdks, developer, payments, json, payouts, 3ds","jsonLd":{"@context":"https://schema.org","@type":"Organization","url":"https://docs.worldpay.com/access","name":"Worldpay"},"meta":[{"name":"google-site-verification","content":"zjziIKaP3ImsqsfhYnEBnq1R85UabiSwl7HTXuwtZuo"},{"name":"doc_product","content":"Access"},{"name":"doc_category","content":"Documentation"}],"llmstxt":{"hide":false,"sections":[{"title":"Payments API","description":"Payment orchestration API combining fraud assessment, 3ds authentication, SCA exemptions, Worldpay Token creation and a card or wallet based payment.","includeFiles":["products/payments/@20240601/**/*"],"excludeFiles":[]},{"title":"Payment Queries API","description":"Querying your payments data, based on a variety of parameters.","includeFiles":["products/payment-queries/@v1/**/*"],"excludeFiles":[]},{"title":"Card BIN Data API","description":"Provides detailed information about a card.","includeFiles":["products/card-bin/@v1/**/*"],"excludeFiles":[]},{"title":"3DS Authentication API","description":"Request 3DS authentication to protect against fraud, be SCA compliant and to shift liability using this standalone API.","includeFiles":["products/3ds/@v3/**/*"],"excludeFiles":[]},{"title":"FraudSight API","description":"Request a risk assessment and receive a response with an outcome (e.g. lowRisk) using this standalone API.","includeFiles":["products/fraudsight/@v1/**/*"],"excludeFiles":[]},{"title":"Checkout SDK","description":"Integrate using our clientside SDKs for both web and native devices. 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`customerAgreement.storedCardUsage: first`\n Note right of Merchant_Backend: Includes Worldpay Token \n Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n Merchant_Backend->>Card_Payments_API: Settlement request\n Card_Payments_API->>Merchant_Backend: Settlement response\n"]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"using-a-stored-card-cit","__idx":3},"children":["Using a stored card (CIT)"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Using a token with 3DS authentication and using the token as part of a card payment."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Using:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/3ds/"},"children":["3DS API"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/"},"children":["Card Payments API"]}]}]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n participant Browser\n participant Merchant_Frontend\n participant Merchant_Backend\n participant 3DS_API\n participant Card_Payments_API\n participant Issuers\n Browser->>Merchant_Frontend: Click Pay\n Merchant_Frontend->>Merchant_Backend: Pay \n Merchant_Backend->>3DS_API: deviceDataInitialization request\n Note right of Merchant_Backend: Includes token \n 3DS_API->>Merchant_Backend: deviceDataInitialization response\n Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n Merchant_Frontend->>Browser: 3DS Device Data form\n Browser-->>Issuers: Form POST\n Issuers-->>Browser: PostMessage: dfReferenceId\n Merchant_Backend->>3DS_API: Authentication request\n Note right of Merchant_Backend: Includes Token \n 3DS_API->>Merchant_Backend: Authentication response\n Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n Merchant_Frontend->>Browser: 3DS challenge form\n Browser-->>Issuers: Form POST\n Issuers-->>Merchant_Backend: `returnUrl` specified in authentication request\n Note right of Merchant_Frontend: Update or close challenge window on website\n Merchant_Backend->>3DS_API: Verification request\n 3DS_API->>Merchant_Backend: Verification response\n Note right of Merchant_Frontend: Apply authentication details in payment
E.g. eci, authenticationValue etc\n Merchant_Backend->>Card_Payments_API: customerInitiatedTransactions request\n Note right of Merchant_Backend: Includes token & 3DS authentication details \n Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n Merchant_Backend->>Card_Payments_API: Settlement request\n Card_Payments_API->>Merchant_Backend: Settlement response\n","diagramHtml":"IssuersCard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserIssuersCard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserIncludes tokenIncludes TokenUpdate or close challenge window on websiteApply authentication details in payment E.g. eci, authenticationValue etcIncludes token & 3DS authentication detailsClick PayPaydeviceDataInitialization requestdeviceDataInitialization responseDeviceData - BIN/JWT/URL3DS Device Data formForm POSTPostMessage: dfReferenceIdAuthentication requestAuthentication responseChallenge JWT/URL3DS challenge formForm POST`returnUrl` specified in authentication requestVerification requestVerification responsecustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement response","diagramHtmlDark":"IssuersCard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserIssuersCard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserIncludes tokenIncludes TokenUpdate or close challenge window on websiteApply authentication details in payment E.g. eci, authenticationValue etcIncludes token & 3DS authentication detailsClick PayPaydeviceDataInitialization requestdeviceDataInitialization responseDeviceData - BIN/JWT/URL3DS Device Data formForm POSTPostMessage: dfReferenceIdAuthentication requestAuthentication responseChallenge JWT/URL3DS challenge formForm POST`returnUrl` specified in authentication requestVerification requestVerification responsecustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement response"},"children":["\nsequenceDiagram\n participant Browser\n participant Merchant_Frontend\n participant Merchant_Backend\n participant 3DS_API\n participant Card_Payments_API\n participant Issuers\n Browser->>Merchant_Frontend: Click Pay\n Merchant_Frontend->>Merchant_Backend: Pay \n Merchant_Backend->>3DS_API: deviceDataInitialization request\n Note right of Merchant_Backend: Includes token \n 3DS_API->>Merchant_Backend: deviceDataInitialization response\n Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n Merchant_Frontend->>Browser: 3DS Device Data form\n Browser-->>Issuers: Form POST\n Issuers-->>Browser: PostMessage: dfReferenceId\n Merchant_Backend->>3DS_API: Authentication request\n Note right of Merchant_Backend: Includes Token \n 3DS_API->>Merchant_Backend: Authentication response\n Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n Merchant_Frontend->>Browser: 3DS challenge form\n Browser-->>Issuers: Form POST\n Issuers-->>Merchant_Backend: `returnUrl` specified in authentication request\n Note right of Merchant_Frontend: Update or close challenge window on website\n Merchant_Backend->>3DS_API: Verification request\n 3DS_API->>Merchant_Backend: Verification response\n Note right of Merchant_Frontend: Apply authentication details in payment
E.g. eci, authenticationValue etc\n Merchant_Backend->>Card_Payments_API: customerInitiatedTransactions request\n Note right of Merchant_Backend: Includes token & 3DS authentication details \n Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n Merchant_Backend->>Card_Payments_API: Settlement request\n Card_Payments_API->>Merchant_Backend: Settlement response\n"]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"merchant-initiated-transactions","__idx":4},"children":["Merchant Initiated Transactions"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"setup-recurring-customer-agreement","__idx":5},"children":["Setup recurring customer agreement"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Request 3DS authentication with the challenge set as mandated for SCA compliance. Send a card payments Customer Initiated Transaction (CIT) request."]},{"$$mdtype":"Tag","name":"Tabs","attributes":{"size":"medium"},"children":[{"$$mdtype":"Tag","name":"div","attributes":{"label":"API only (includes 3DS)","disable":false},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Using:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/3ds/"},"children":["3DS API"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/"},"children":["Card Payments API"]}]}]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n participant Browser\n participant Merchant_Frontend\n participant Merchant_Backend\n participant 3DS_API\n participant Card_Payments_API\n participant Issuers\n Browser->>Merchant_Frontend: Click Pay\n Merchant_Frontend->>Merchant_Backend: Pay \n Merchant_Backend->>3DS_API: deviceDataInitialization request\n 3DS_API->>Merchant_Backend: deviceDataInitialization response\n Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n Merchant_Frontend->>Browser: 3DS Device Data form\n Browser-->>Issuers: Form POST\n Issuers-->>Browser: PostMessage: dfReferenceId\n Merchant_Backend->>3DS_API: Authentication request\n Note over Merchant_Backend,3DS_API: Set `challenge.preference.challengeMandated` (if in mandated region)\n 3DS_API->>Merchant_Backend: Authentication response\n Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n Merchant_Frontend->>Browser: 3DS challenge form\n Browser-->>Issuers: Form POST\n Issuers-->>Merchant_Backend: `returnUrl` specified in authentication request\n Note right of Merchant_Frontend: Update or close challenge window on website\n Merchant_Backend->>3DS_API: Verification request\n 3DS_API->>Merchant_Backend: Verification response\n Note right of Merchant_Frontend: Apply authentication details in payment
E.g. eci, authenticationValue etc\n Merchant_Backend->>Card_Payments_API: customerInitiatedTransactions request\n Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: subscription`
`customerAgreement.storedCardUsage: first`\n Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n Merchant_Backend->>Card_Payments_API: Settlement request\n Card_Payments_API->>Merchant_Backend: Settlement response\n","diagramHtml":"IssuersCard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserIssuersCard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserSet `challenge.preference.challengeMandated` (if in mandated region)Update or close challenge window on websiteApply authentication details in payment E.g. eci, authenticationValue etcSet `customerAgreement.type: subscription` `customerAgreement.storedCardUsage: first`Click PayPaydeviceDataInitialization requestdeviceDataInitialization responseDeviceData - BIN/JWT/URL3DS Device Data formForm POSTPostMessage: dfReferenceIdAuthentication requestAuthentication responseChallenge JWT/URL3DS challenge formForm POST`returnUrl` specified in authentication requestVerification requestVerification responsecustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement response","diagramHtmlDark":"IssuersCard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserIssuersCard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserSet `challenge.preference.challengeMandated` (if in mandated region)Update or close challenge window on websiteApply authentication details in payment E.g. eci, authenticationValue etcSet `customerAgreement.type: subscription` `customerAgreement.storedCardUsage: first`Click PayPaydeviceDataInitialization requestdeviceDataInitialization responseDeviceData - BIN/JWT/URL3DS Device Data formForm POSTPostMessage: dfReferenceIdAuthentication requestAuthentication responseChallenge JWT/URL3DS challenge formForm POST`returnUrl` specified in authentication requestVerification requestVerification responsecustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement response"},"children":["\nsequenceDiagram\n participant Browser\n participant Merchant_Frontend\n participant Merchant_Backend\n participant 3DS_API\n participant Card_Payments_API\n participant Issuers\n Browser->>Merchant_Frontend: Click Pay\n Merchant_Frontend->>Merchant_Backend: Pay \n Merchant_Backend->>3DS_API: deviceDataInitialization request\n 3DS_API->>Merchant_Backend: deviceDataInitialization response\n Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n Merchant_Frontend->>Browser: 3DS Device Data form\n Browser-->>Issuers: Form POST\n Issuers-->>Browser: PostMessage: dfReferenceId\n Merchant_Backend->>3DS_API: Authentication request\n Note over Merchant_Backend,3DS_API: Set `challenge.preference.challengeMandated` (if in mandated region)\n 3DS_API->>Merchant_Backend: Authentication response\n Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n Merchant_Frontend->>Browser: 3DS challenge form\n Browser-->>Issuers: Form POST\n Issuers-->>Merchant_Backend: `returnUrl` specified in authentication request\n Note right of Merchant_Frontend: Update or close challenge window on website\n Merchant_Backend->>3DS_API: Verification request\n 3DS_API->>Merchant_Backend: Verification response\n Note right of Merchant_Frontend: Apply authentication details in payment
E.g. eci, authenticationValue etc\n Merchant_Backend->>Card_Payments_API: customerInitiatedTransactions request\n Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: subscription`
`customerAgreement.storedCardUsage: first`\n Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n Merchant_Backend->>Card_Payments_API: Settlement request\n Card_Payments_API->>Merchant_Backend: Settlement response\n"]}]},{"$$mdtype":"Tag","name":"div","attributes":{"label":"Using Checkout SDK (includes 3DS)","disable":false},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Using:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/checkout/"},"children":["Checkout SDK"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/verified-tokens/"},"children":["Verified Tokens API"]}," - for Worldpay Token creation"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/3ds/"},"children":["3DS API"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/"},"children":["Card Payments API"]}]}]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n participant Browser\n participant Merchant_Frontend\n participant Merchant_Backend\n participant Checkout_Sessions\n participant Verified_Token_API\n participant 3DS_API\n participant Card_Payments_API\n participant Issuers\n Browser->>Merchant_Frontend: Click Pay\n Merchant_Frontend->>Checkout_Sessions: Create session\n Checkout_Sessions->>Merchant_Frontend: Return session \n Merchant_Frontend->>Merchant_Backend: Pay \n Merchant_Backend->>Verified_Token_API: Verified token request\n Note left of Verified_Token_API: Includes session \n Verified_Token_API->>Merchant_Backend: Verified token response\n Note right of Merchant_Backend: Worldpay Token returned \n Merchant_Backend->>3DS_API: deviceDataInitialization request\n 3DS_API->>Merchant_Backend: deviceDataInitialization response\n Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n Merchant_Frontend->>Browser: 3DS Device Data form\n Browser-->>Issuers: Form POST\n Issuers-->>Browser: PostMessage: dfReferenceId\n Merchant_Backend->>3DS_API: Authentication request\n Note over Merchant_Backend,3DS_API: Set `challenge.preference.challengeMandated` (if in mandated region)\n 3DS_API->>Merchant_Backend: Authentication response\n Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n Merchant_Frontend->>Browser: 3DS challenge form\n Browser-->>Issuers: Form POST\n Issuers-->>Merchant_Backend: `returnUrl` specified in authentication request\n Note right of Merchant_Frontend: Update or close challenge window on website\n Merchant_Backend->>3DS_API: Verification request\n 3DS_API->>Merchant_Backend: Verification response\n Note right of Merchant_Frontend: Apply authentication details in payment
E.g. eci, authenticationValue etc\n Merchant_Backend->>Card_Payments_API: customerInitiatedTransactions request\n Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: subscription`
`customerAgreement.storedCardUsage: first`\n Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n Merchant_Backend->>Card_Payments_API: Settlement request\n Card_Payments_API->>Merchant_Backend: Settlement response\n","diagramHtml":"IssuersCard_Payments_API3DS_APIVerified_Token_APICheckout_SessionsMerchant_BackendMerchant_FrontendBrowserIssuersCard_Payments_API3DS_APIVerified_Token_APICheckout_SessionsMerchant_BackendMerchant_FrontendBrowserIncludes sessionWorldpay Token returnedSet `challenge.preference.challengeMandated` (if in mandated region)Update or close challenge window on websiteApply authentication details in payment E.g. eci, authenticationValue etcSet `customerAgreement.type: subscription` `customerAgreement.storedCardUsage: first`Click PayCreate sessionReturn sessionPayVerified token requestVerified token responsedeviceDataInitialization requestdeviceDataInitialization responseDeviceData - BIN/JWT/URL3DS Device Data formForm POSTPostMessage: dfReferenceIdAuthentication requestAuthentication responseChallenge JWT/URL3DS challenge formForm POST`returnUrl` specified in authentication requestVerification requestVerification responsecustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement response","diagramHtmlDark":"IssuersCard_Payments_API3DS_APIVerified_Token_APICheckout_SessionsMerchant_BackendMerchant_FrontendBrowserIssuersCard_Payments_API3DS_APIVerified_Token_APICheckout_SessionsMerchant_BackendMerchant_FrontendBrowserIncludes sessionWorldpay Token returnedSet `challenge.preference.challengeMandated` (if in mandated region)Update or close challenge window on websiteApply authentication details in payment E.g. eci, authenticationValue etcSet `customerAgreement.type: subscription` `customerAgreement.storedCardUsage: first`Click PayCreate sessionReturn sessionPayVerified token requestVerified token responsedeviceDataInitialization requestdeviceDataInitialization responseDeviceData - BIN/JWT/URL3DS Device Data formForm POSTPostMessage: dfReferenceIdAuthentication requestAuthentication responseChallenge JWT/URL3DS challenge formForm POST`returnUrl` specified in authentication requestVerification requestVerification responsecustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement response"},"children":["\nsequenceDiagram\n participant Browser\n participant Merchant_Frontend\n participant Merchant_Backend\n participant Checkout_Sessions\n participant Verified_Token_API\n participant 3DS_API\n participant Card_Payments_API\n participant Issuers\n Browser->>Merchant_Frontend: Click Pay\n Merchant_Frontend->>Checkout_Sessions: Create session\n Checkout_Sessions->>Merchant_Frontend: Return session \n Merchant_Frontend->>Merchant_Backend: Pay \n Merchant_Backend->>Verified_Token_API: Verified token request\n Note left of Verified_Token_API: Includes session \n Verified_Token_API->>Merchant_Backend: Verified token response\n Note right of Merchant_Backend: Worldpay Token returned \n Merchant_Backend->>3DS_API: deviceDataInitialization request\n 3DS_API->>Merchant_Backend: deviceDataInitialization response\n Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n Merchant_Frontend->>Browser: 3DS Device Data form\n Browser-->>Issuers: Form POST\n Issuers-->>Browser: PostMessage: dfReferenceId\n Merchant_Backend->>3DS_API: Authentication request\n Note over Merchant_Backend,3DS_API: Set `challenge.preference.challengeMandated` (if in mandated region)\n 3DS_API->>Merchant_Backend: Authentication response\n Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n Merchant_Frontend->>Browser: 3DS challenge form\n Browser-->>Issuers: Form POST\n Issuers-->>Merchant_Backend: `returnUrl` specified in authentication request\n Note right of Merchant_Frontend: Update or close challenge window on website\n Merchant_Backend->>3DS_API: Verification request\n 3DS_API->>Merchant_Backend: Verification response\n Note right of Merchant_Frontend: Apply authentication details in payment
E.g. eci, authenticationValue etc\n Merchant_Backend->>Card_Payments_API: customerInitiatedTransactions request\n Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: subscription`
`customerAgreement.storedCardUsage: first`\n Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n Merchant_Backend->>Card_Payments_API: Settlement request\n Card_Payments_API->>Merchant_Backend: Settlement response\n"]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"subsequent-merchant-initiated-transaction-mit","__idx":6},"children":["Subsequent Merchant Initiated Transaction (MIT)"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Send an MIT request for subsequent recurring transactions."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Using:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/"},"children":["Card Payments API"]}]}]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n participant Browser\n participant Merchant_Frontend\n participant Merchant_Backend\n participant Card_Payments_API\n participant Issuers\n Browser->>Merchant_Frontend: Click Pay\n Merchant_Frontend->>Merchant_Backend: Pay \n Merchant_Backend->>Card_Payments_API: merchantInitiatedTransactions request\n Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: subscription`
`customerAgreement.storedCardUsage: subsequent`\n Card_Payments_API->>Merchant_Backend: merchantInitiatedTransactions response\n Merchant_Backend->>Card_Payments_API: Settlement request\n Card_Payments_API->>Merchant_Backend: Settlement response\n","diagramHtml":"IssuersCard_Payments_APIMerchant_BackendMerchant_FrontendBrowserIssuersCard_Payments_APIMerchant_BackendMerchant_FrontendBrowserSet `customerAgreement.type: subscription` `customerAgreement.storedCardUsage: subsequent`Click PayPaymerchantInitiatedTransactions requestmerchantInitiatedTransactions responseSettlement requestSettlement response","diagramHtmlDark":"IssuersCard_Payments_APIMerchant_BackendMerchant_FrontendBrowserIssuersCard_Payments_APIMerchant_BackendMerchant_FrontendBrowserSet `customerAgreement.type: subscription` `customerAgreement.storedCardUsage: subsequent`Click PayPaymerchantInitiatedTransactions requestmerchantInitiatedTransactions responseSettlement requestSettlement response"},"children":["\nsequenceDiagram\n participant Browser\n participant Merchant_Frontend\n participant Merchant_Backend\n participant Card_Payments_API\n participant Issuers\n Browser->>Merchant_Frontend: Click Pay\n Merchant_Frontend->>Merchant_Backend: Pay \n Merchant_Backend->>Card_Payments_API: merchantInitiatedTransactions request\n Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: subscription`
`customerAgreement.storedCardUsage: subsequent`\n Card_Payments_API->>Merchant_Backend: merchantInitiatedTransactions response\n Merchant_Backend->>Card_Payments_API: Settlement request\n Card_Payments_API->>Merchant_Backend: Settlement response\n"]}]},"headings":[{"value":"Sequence diagrams - stored card using a Worldpay Token","id":"sequence-diagrams---stored-card-using-a-worldpay-token","depth":1},{"value":"Customer Initiated Transactions (CITs)","id":"customer-initiated-transactions-cits","depth":2},{"value":"Creating a stored card","id":"creating-a-stored-card","depth":3},{"value":"Using a stored card (CIT)","id":"using-a-stored-card-cit","depth":3},{"value":"Merchant Initiated Transactions","id":"merchant-initiated-transactions","depth":2},{"value":"Setup recurring customer agreement","id":"setup-recurring-customer-agreement","depth":3},{"value":"Subsequent Merchant Initiated Transaction (MIT)","id":"subsequent-merchant-initiated-transaction-mit","depth":4}],"frontmatter":{"seo":{"title":"Sequence diagrams - Stored card using Worldpay Token | Worldpay Developer","description":"Sequence diagrams for common Stored card flows using Worldpay Tokens"},"markdown":{"toc":{"hide":false}},"breadcrumbs":{"hide":true}},"lastModified":"2026-05-20T16:18:49.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/products/modular/sequence-diagrams/stored-card-worldpay","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}