**Last updated**: 09 October 2026 | [**Change log**](/products/payments/changelog/)

# Subsequent recurring payment

Enterprise

SMB (Worldpay eCommerce)

Following an [initial agreement](/products/payments/recurring-first), make subsequent recurring payments.

Subscription
The request must contain:

```JSON
"customerAgreement": {
    "type": "subscription", 
    "storedCardUsage": "subsequent" 
}
```

## 1. Basic request

Plain card
The `schemeReference` must be provided to link the `first` and `subsequent` recurring payment.

Preview only - not yet available in production
For Mastercard transactions only, `schemeSupplementaryReference` can also be provided to support the linking of subsequent recurring payments to the original recurring payment setup. Please see our [Mastercard TLID guide](/products/payments/enable-features/mastercard-tlid) for more details.

```js
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "method": "card",
        "paymentInstrument": {
            "type": "plain",
            "cardNumber": "4000000000001091",
                "expiryDate": {
                "month": 5,
                "year": 2035
            }
        },
        "customerAgreement": {
            "type": "subscription",
            "storedCardUsage":"subsequent",
            "schemeReference": "MCCOLXT1C0104"
        },
        "narrative": {
            "line1": "trading name"
        },
        "value": {
            "currency": "GBP",
            "amount": 42
        }
    }
}
```

Token
If the token created as part of the initial agreement is used it will contain the `schemeReference`. Otherwise it must be provided in the request separately to link the `first` and `subsequent` recurring payment.

Preview only - not yet available in production
For Mastercard transactions only, `schemeSupplementaryReference` can also be provided to support the linking of subsequent recurring payments to the original recurring payment setup. Please see our [Mastercard TLID guide](/products/payments/enable-features/mastercard-tlid) for more details.

```shell curl
curl -i -X POST \
  https://try.access.worldpay.com/api/payments \
  -H 'Content-Type: application/json' \
  -H 'WP-Api-Version: 2024-06-01' \
  -d '{
    "transactionReference": "Memory265-13/08/1876",
    "orderReference": "order-12345",
    "merchant": {
      "entity": "default"
    },
    "instruction": {
      "method": "card",
      "paymentInstrument": {
        "type": "token",
        "href": "https://try.access.developer.com/tokens/eyJrIjoxLCJkIjoialRBL0FFelBzcnZpNCtzRGNRemh0NzI0NE1rdUtjMUFJdjYxVnlibWZuUT0ifQ"
      },
      "customerAgreement": {
        "type": "subscription",
        "storedCardUsage": "subsequent",
        "schemeReference": "aRyU-3Ti981f_6WvBaqM03",
        "schemeSupplementaryReference": "MCCOLXT1C0104 "
      },
      "narrative": {
        "line1": "trading name"
      },
      "value": {
        "currency": "GBP",
        "amount": 42
      }
    }
  }'
```

Installment
The request must contain:

```JSON
"customerAgreement": {
    "type": "installment", 
    "storedCardUsage": "subsequent" 
}
```

## 1. Basic request

Plain card
The `schemeReference` must be provided to link the `first` and `subsequent` recurring payment.

Preview only - not yet available in production
For Mastercard transactions only, `schemeSupplementaryReference` can also be provided to support the linking of subsequent recurring payments to the original recurring payment setup. Please see our [Mastercard TLID guide](/products/payments/enable-features/mastercard-tlid) for more details.

```js
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "method": "card",
        "paymentInstrument": {
            "type": "plain",
            "cardHolderName": "Sherlock Holmes",
            "cardNumber": "4000000000001091",
                "expiryDate": {
                "month": 5,
                "year": 2035
            }
        },
        "customerAgreement": {
            "type": "installment",
            "installmentType": "merchant",
            "storedCardUsage":"subsequent",
            "schemeReference": "MCCOLXT1C0104"
        },
        "narrative": {
            "line1": "trading name"
        },
        "value": {
            "currency": "GBP",
            "amount": 42
        }
    }
}
```

Token
If the token created as part of the initial agreement is used it will contain the `schemeReference`. Otherwise it must be provided in the request separately to link the `first` and `subsequent` recurring payment.

Preview only - not yet available in production
For Mastercard transactions only, `schemeSupplementaryReference` can also be provided to support the linking of subsequent recurring payments to the original recurring payment setup. Please see our [Mastercard TLID guide](/products/payments/enable-features/mastercard-tlid) for more details.

```shell curl
curl -i -X POST \
  https://try.access.worldpay.com/api/payments \
  -H 'Content-Type: application/json' \
  -H 'WP-Api-Version: 2024-06-01' \
  -d '{
    "transactionReference": "Memory265-13/08/1876",
    "orderReference": "order-12345",
    "merchant": {
      "entity": "default"
    },
    "instruction": {
      "method": "card",
      "paymentInstrument": {
        "type": "token",
        "href": "https://try.access.developer.com/tokens/eyJrIjoxLCJkIjoialRBL0FFelBzcnZpNCtzRGNRemh0NzI0NE1rdUtjMUFJdjYxVnlibWZuUT0ifQ"
      },
      "customerAgreement": {
        "type": "installment",
        "installmentType": "merchant",
        "storedCardUsage": "subsequent",
        "schemeReference": "aRyU-3Ti981f_6WvBaqM03",
        "schemeSupplementaryReference": "MCCOLXT1C0104 "
      },
      "narrative": {
        "line1": "trading name"
      },
      "value": {
        "currency": "GBP",
        "amount": 42
      }
    }
  }'
```

Unscheduled
The request must contain:

```JSON
"customerAgreement": {
    "type": "unscheduled"
}
```

## 1. Basic request

Plain card
The `schemeReference` must be provided to link the `first` and `subsequent` recurring payment.

Preview only - not yet available in production
For Mastercard transactions only, `schemeSupplementaryReference` can also be provided to support the linking of subsequent recurring payments to the original recurring payment setup. Please see our [Mastercard TLID guide](/products/payments/enable-features/mastercard-tlid) for more details.

```js
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "method": "card",
        "paymentInstrument": {
            "type": "plain",
            "cardNumber": "4000000000001091",
                "expiryDate": {
                "month": 5,
                "year": 2035
            }
        },
        "customerAgreement": {
            "type": "unscheduled",
            "schemeReference": "MCCOLXT1C0104"
        },
        "narrative": {
            "line1": "trading name"
        },
        "value": {
            "currency": "GBP",
            "amount": 42
        }
    }
}
```

Token
If the token created as part of the initial agreement is used it will contain the `schemeReference`. Otherwise it must be provided in the request separately to link the `first` and `subsequent` recurring payment.

Preview only - not yet available in production
For Mastercard transactions only, `schemeSupplementaryReference` can also be provided to support the linking of subsequent recurring payments to the original recurring payment setup. Please see our [Mastercard TLID guide](/products/payments/enable-features/mastercard-tlid) for more details.

```shell curl
curl -i -X POST \
  https://try.access.worldpay.com/api/payments \
  -H 'Content-Type: application/json' \
  -H 'WP-Api-Version: 2024-06-01' \
  -d '{
    "transactionReference": "Memory265-13/08/1876",
    "orderReference": "order-12345",
    "merchant": {
      "entity": "default"
    },
    "instruction": {
      "method": "card",
      "paymentInstrument": {
        "type": "token",
        "href": "https://try.access.developer.com/tokens/eyJrIjoxLCJkIjoialRBL0FFelBzcnZpNCtzRGNRemh0NzI0NE1rdUtjMUFJdjYxVnlibWZuUT0ifQ"
      },
      "customerAgreement": {
        "type": "unscheduled",
        "schemeReference": "aRyU-3Ti981f_6WvBaqM03",
        "schemeSupplementaryReference": "MCCOLXT1C0104 "
      },
      "narrative": {
        "line1": "trading name"
      },
      "value": {
        "currency": "GBP",
        "amount": 42
      }
    }
  }'
```

View the full API Request schema
## 2. Add additional features

Risk Assessment
We assess the payment for fraud before proceeding with authorization.
Enterprise
Worldpay eCommerce

Auto Settlement
Automatically settle a payment following the authorization.
Enterprise
Worldpay eCommerce

Account Funding Transactions (AFT)
Transfer funds from a card account to another destination, rather than for the provision of goods or services.
Enterprise

Financial Service (MCC 6012/6051)
For domestic Financial Services providers (MCC 6012) based in the Visa Europe Region, you must supply this additional data.
Enterprise

Latin America Installments
Fulfill a one-time installment charge, to allow the customer's acquirer bank collecting the payments over time.
Enterprise

Payment Facilitator
Facilitate transactions on behalf of your sub-merchants.
Enterprise

Account Updater
Automatically update card details to prevent declines due to expired or changed cards.
Enterprise

## 3. Response

Features that change the API flow
Certain features add additional requests and responses:

- [FraudSight](/products/payments/enable-features/fraud-assessment) - you may receive a `201` - `fraudHighRisk` outcome, stopping the payment
- [Auto Settlement](/products/payments/enable-features/auto-settlement) - automatic `202` - `sentForSettlement` following authorization.
  - If any of the AVS/CVC response riskFactors are marked as `notMatched` the payment will be `sentForCancellation` automatically by default but can be disabled.


```json 201 application/json
{
  "outcome": "authorized",
  "paymentId": "payI-dUcet9fk4_X4qZU0hpU0",
  "commandId": "cmd026y9Ec-LjjCYkr4NgDvU0",
  "transactionReference": "Memory265-13/08/1876",
  "schemeReference": "060720116005060",
  "issuer": {
    "authorizationCode": "675725"
  },
  "riskFactors": [
    {
      "risk": "notChecked",
      "type": "cvc"
    },
    {
      "risk": "notChecked",
      "detail": "address",
      "type": "avs"
    },
    {
      "risk": "notChecked",
      "detail": "postcode",
      "type": "avs"
    }
  ],
  "paymentInstrument": {
    "type": "card/plain+masked",
    "cardBin": "400000",
    "lastFour": "1000",
    "countryCode": "GB",
    "expiryDate": {
      "year": 2035,
      "month": 5
    },
    "cardBrand": "mastercard",
    "fundingType": "debit",
    "category": "consumer",
    "issuerName": "BANK LIMITED",
    "paymentAccountReference": "3001DBT34Q41D6J7PFC5W0UACOT4C"
  },
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D"
    }
  },
  "_actions": {
    "cancelPayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/cancellations",
      "method": "POST"
    },
    "partiallyCancelPayment": {
      "href": "https://try.access.worldpay.com/api/payments/{linkData}/partialCancellations",
      "method": "POST"
    },
    "settlePayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/settlements",
      "method": "POST"
    },
    "partiallySettlePayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/partialSettlements",
      "method": "POST"
    },
    "reversePayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/reversals",
      "method": "POST"
    }
  }
}
```

```json 202 application/json
{
  "outcome": "sentForSettlement",
  "paymentId": "payI-dUcet9fk4_X4qZU0hpU0",
  "commandId": "cmd026y9Ec-LjjCYkr4NgDvU0",
  "transactionReference": "Memory265-13/08/1876",
  "schemeReference": "060720116005060",
  "issuer": {
    "authorizationCode": "675725"
  },
  "riskFactors": [
    {
      "risk": "notChecked",
      "type": "cvc"
    },
    {
      "risk": "notChecked",
      "detail": "address",
      "type": "avs"
    },
    {
      "risk": "notChecked",
      "detail": "postcode",
      "type": "avs"
    }
  ],
  "paymentInstrument": {
    "type": "card/plain+masked",
    "cardBin": "400000",
    "lastFour": "1000",
    "countryCode": "GB",
    "expiryDate": {
      "year": 2035,
      "month": 5
    },
    "cardBrand": "mastercard",
    "fundingType": "debit",
    "category": "consumer",
    "issuerName": "BANK LIMITED",
    "paymentAccountReference": "3001DBT34Q41D6J7PFC5W0UACOT4C"
  },
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmUCGmlXGGNqJmZcIdZa%3Aufi8N9Y8uwrkGtx1suHsSFnXn2PMsm%3AcRBXHzZt3giUlFW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ2hKYh1GAhFAwfPvBamw%3AisDwI2AuXQ9KT%3AMt9SY%3AfYERqcZ58SBNT3Gkwn1j%2Bkd7LZ%3AVhRHFzbbwymcuTiRbNw%3D"
    }
  },
  "_actions": {
    "refundPayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmUCGmlXGGNqJmZcIdZa%3Aufi8N9Y8uwrkGtx1suHsSFnXn2PMsm%3AcRBXHzZt3giUlFW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ2hKYh1GAhFAwfPvBamw%3AisDwI2AuXQ9KT%3AMt9SY%3AfYERqcZ58SBNT3Gkwn1j%2Bkd7LZ%3AVhRHFzbbwymcuTiRbNw%3D/refunds",
      "method": "POST"
    },
    "partiallyRefundPayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmUCGmlXGGNqJmZcIdZa%3Aufi8N9Y8uwrkGtx1suHsSFnXn2PMsm%3AcRBXHzZt3giUlFW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ2hKYh1GAhFAwfPvBamw%3AisDwI2AuXQ9KT%3AMt9SY%3AfYERqcZ58SBNT3Gkwn1j%2Bkd7LZ%3AVhRHFzbbwymcuTiRbNw%3D/partialRefunds",
      "method": "POST"
    },
    "reversePayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/partialSettlements",
      "method": "POST"
    }
  }
}
```

```json 400 application/json
{
  "errorName": "bodyDoesNotMatchSchema",
  "message": "A JSON body matching the expected schema must be provided.",
  "validationErrors": [
    {
      "errorName": "fieldIsNotAllowed",
      "message": "Field at path is not allowed.",
      "jsonPath": "$.instruction.paymentInstrument.narrative"
    }
  ]
}
```

```json 401 application/json
{
  "errorName": "accessDenied",
  "message": "Access to the requested resource has been denied."
}
```

```json 404 application/json
{
  "errorName": "endpointNotFound",
  "message": "Requested endpoint was not found."
}
```

```json 406 application/json
{
  "errorName": "headerIsMissing",
  "message": "A valid header must be provided.",
  "headerName": "Content-Type"
}
```

```json 415 application/json
{
  "errorName": "headerHasInvalidValue",
  "message": "A valid header must be provided."
}
```

```json 500 application/json
{
  "errorName": "internalErrorOccurred",
  "message": "We cannot currently process your request. Please contact support."
}
```

View the full API Response schema
## Sequence diagram

Subsequent MIT
Send a Merchant Initiated Transaction (MIT) request for subsequent recurring transactions.

```mermaid

sequenceDiagram
    participant Browser
    participant Merchant_Frontend as Merchant Frontend
    participant Merchant_Backend as Merchant Backend
    participant Payments_API as Payments API
    participant Issuers
    Browser->>Merchant_Frontend: Click Pay
    Merchant_Frontend->>Merchant_Backend: Pay 
    Merchant_Backend->>Payments_API: Payment request
    Note over Merchant_Backend,Payments_API: Set `customerAgreement.type = subscription` <br> `customerAgreement.storedCardUsage = subsequent`
    Payments_API->>Merchant_Backend: Payment response
    Merchant_Backend->>Payments_API: Settlement request
    Payments_API->>Merchant_Backend: Settlement response
    Merchant_Backend->>Merchant_Frontend: Transaction complete
    Note left of Merchant_Frontend: Order receipt page
```