Supporting Mastercard and Visa Transaction Frameworks

You can build payment plugins to support the mandates of:

  • Mastercard Credential-on-File Transaction Framework
  • Visa Stored Credential Transaction Framework
  • Visa Merchant Initiated Transaction Framework

For this purpose, CloudBlue Commerce Payment Plugin SDK provides:

  • The capability to determine the Cardholder Initial Transaction ID (TID):
    • For new payment methods, a payment plugin can be built to return TID in the ADD_NEW_METHOD parameter together with other relevant payment method data. The data is saved encrypted to the Billing database. When a merchant-initiated recurring payment transaction (MIT) or a cardholder-initiated payment transaction (CIT) request is sent, TID together with other relevant payment method data is returned to the plugin by the payment_method parameter.
    • For existing payment methods, to determine TID, please use the solution from https://kb.cloudblue.com/en/134505.
  • The capability to determine whether it is a cardholder-initiated transaction (CIT) or a merchant-initiated transaction (MIT): this capability is ensured by the transaction_initiator sub-parameter of the payment_method parameter.

    The table below outlines the CIT and MIT definition conditions:

    Transaction descriptionTransaction type
    A customer pays an order through their panel.CIT
    A provider or reseller pays a customer's order through the CCPv1 on behalf of the customer.CIT
    A reseller pays an order through their panel.CIT
    A provider pays a reseller's order through the reseller’s classic panel on behalf of the reseller.CIT
    A reseller pays a subreseller's order through the subreseller’s classic panel on behalf of the subreseller.CIT
    A provider pays a reseller's order through the PCP.MIT
    A reseller pays a subreseller's order through the RCP.MIT
    A provider or reseller pays a customer's order through the UX1 on behalf of the customer.MIT
    A provider or reseller pays a customer's order through their panel (PCP or RCP).MIT
    BSS automatically processes customer recurring or renewal orders.MIT
    Payments for automatic balance top-up.MIT
  • The capability to determine whether it is a recurring or an unscheduled payment: this capability is ensured by the transaction_category sub-parameter of the payment_method parameter.