Processing MIT Transactions

• INITIAL MIT
• SUBSEQUENT MIT

A merchant-initiated transaction (MIT) is a payment transaction initiated by the merchant with the prior consent of the customer. MIT payments are sometimes referred to as subsequent transactions.
An MIT flow involves two or more transactions: an initial customer-initiated payment and one or more subsequent merchant-initiated payments.
This page describes these transactions and additional parameters to include in these queries.
In case of MIT, if you are processing authorization transaction, only amount=0 is allowed (Zero Authorization).

Initial MIT

Initial MIT card payment request. In these transactions, the cardholder must provide their card details and authorize the transaction by providing a signature or entering a PIN.

When sending an Initial MIT Direct API request with it’s mandatory parameters, include the following parameters:

{
  "transaction_type": "sale",
  "mit": {
    "type": "initial",
    "expiry": [in days]
  }
}

REQUEST

{
    "merchant_id": "Test-Integration-Merchant",
    "application_key": "Sandbox",
    "transaction_type": "sale",
    "currency": "EUR",
    "amount": 100,
    "card_data": {
        "card_number": "ZMq4wDaiaQ/xOwMEcQ7R3ASjTnoOMu+avLuJYgAnz1Q=",
        "card_exp": "WI8V4bE5/l8fIhUv6aMO8w==",
        "cvv": "BCm5yhYeeYoJlsOSIRd8Mg=="
    },
    "device_data": {
        "user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_5) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/13.1.1 Safari/605.1.15",
        "accept_header": "text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8",
        "language": "en-us",
        "ip_address": "127.0.0.1",
        "timezone_offset": -180,
        "color_depth": "24",
        "pixel_depth": "24",
        "pixel_ratio": "2",
        "screen_height": 900,
        "screen_width": 1440,
        "viewport_height": 400,
        "viewport_width": 1440,
        "java_enabled": 0,
        "javascript_enabled": 1
    },
    "cid": "1",
    "locale": "en-GB",
    "customer_token": null,
    "customer_data": {
        "country": "GB",
        "first_name": "John",
        "last_name": "Johnson",
        "dob": "12\/31\/1980",
        "email": "[email protected]",
        "phone": "44201112222",
        "zip": "WC2N 5DU",
        "state": "JS",
        "city": "London",
        "address": "Random st., 12\/3",
        "profile": 1
    },
    "mit": {
      "type": "initial",
      "expiry": [in days]
    }
    "gateway": "s-pTSZyK23E1Ee5KZpcNbX_aFl0HuhQ0",
    "notification_url": "https:\/\/api.merchant.com\/v1\/deposits\/tx-1560610955",
    "return_url": "https:\/\/merchant.com\/payment_result\/tx-1560610955",
    "order_id": "test-1560610955",
    "withdrawal_request_id": null,
    "variable1": "your variable",
    "variable2": "if that is not enough, you can pass even one more variable",
    "variable3": null,
    "version": "1.3",
    "timestamp": 1590611635
}

SUBSEQUENT MIT

Subsequent merchant-initiated MIT card payment requests using stored customer credentials with the prior consent of the client. The customer's account is charged without the need for further authorization. Please also note Zero-Authorization transactions can be also used as MIT reference for Subsequent MIT.

{danger.fa-exclamation} NOTE: for a Subsequent MIT transaction card details from mit_reference_id will be used

After the Initial MIT payment request was successfully processed, you can start sending Subsequent MIT requests by including the following parameters into the Direct API call:

{
  "transaction_type": "sale",
  "mit": {
    "type": "subsequent",
    "mit_reference_id": [TID from prior-mit transaction]
  },
  //- no CC details to be included
}

REQUEST

{
    "merchant_id": "Test-Integration-Merchant",
    "application_key": "Sandbox",
    "transaction_type": "sale",
    "currency": "EUR",
    "amount": 100,
    "card_data": {
        "card_number": "ZMq4wDaiaQ/xOwMEcQ7R3ASjTnoOMu+avLuJYgAnz1Q=",
        "card_exp": "WI8V4bE5/l8fIhUv6aMO8w==",
        "cvv": "BCm5yhYeeYoJlsOSIRd8Mg=="
    },
    "device_data": {
        "user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_5) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/13.1.1 Safari/605.1.15",
        "accept_header": "text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8",
        "language": "en-us",
        "ip_address": "127.0.0.1",
        "timezone_offset": -180,
        "color_depth": "24",
        "pixel_depth": "24",
        "pixel_ratio": "2",
        "screen_height": 900,
        "screen_width": 1440,
        "viewport_height": 400,
        "viewport_width": 1440,
        "java_enabled": 0,
        "javascript_enabled": 1
    },
    "cid": "1",
    "locale": "en-GB",
    "customer_token": null,
    "customer_data": {
        "country": "GB",
        "first_name": "John",
        "last_name": "Johnson",
        "dob": "12\/31\/1980",
        "email": "[email protected]",
        "phone": "44201112222",
        "zip": "WC2N 5DU",
        "state": "JS",
        "city": "London",
        "address": "Random st., 12\/3",
        "profile": 1
    },
    "mit": {
      "type": "subsequent",
      "mit_reference_id": [TID from prior-mit transaction]
    },
    //- no CC details to be included
    "gateway": "s-pTSZyK23E1Ee5KZpcNbX_aFl0HuhQ0",
    "notification_url": "https:\/\/api.merchant.com\/v1\/deposits\/tx-1560610955",
    "return_url": "https:\/\/merchant.com\/payment_result\/tx-1560610955",
    "order_id": "test-1560610955",
    "withdrawal_request_id": null,
    "variable1": "your variable",
    "variable2": "if that is not enough, you can pass even one more variable",
    "variable3": null,
    "version": "1.3",
    "timestamp": 1590611635
}
{
  "transaction_type": "sale",

}