Supporting Mastercard and Visa Transaction Frameworks

A payment plugin can be built to support the mandates of:

• Mastercard Credential-on-File Transaction Framework

• Visa Stored Credential Transaction Framework

• Visa Merchant Initiated Transaction Framework

For this purpose, 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 the TID in the Callback 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, the TID together with other relevant payment method data is returned to the plugin by the payment_method parameter (see Auth, Capture, and Sell methods).

  • For existing payment methods, use this solution to determine the TID.

• 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 parameter provided in a few methods (for example, the Sell method).

  The table below outlines the CIT and MIT definition conditions:

  Transaction description	Transaction type
  A customer pays an order through their panel.	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 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 parameter provided in a few methods (for example, the Sell method).