The Authorize.Net API supports card-on-file (COF) transaction processing for merchants who use the FDC Nashville processor to accept Visa, Mastercard, Discover, Diners Club, JCB, and China Union Pay transactions using stored credentials. Support for COF transactions enables merchants and issuers to better understand their transaction risk. In addition, merchants might see increased authorization approval rates for their COF transactions.
Merchants should use a network transaction ID from the original CIT transaction. If it is not possible to obtain customer approval for the original transaction, the merchant can use a network transaction ID from a previous approved transaction and use that for subsequent transactions.
For Visa transactions, a network transaction ID must be included for the following MIT use cases:
The amount and the network transaction ID of the first transaction, or a previous recurring or unscheduled payment, must be included in all MIT use cases.
Discover, Diners Club, JCB, and China Union Pay provide a temporary NRID to be used while merchants update their systems for storing and transmitting the actual NRID. Set the
originalNetworkTransactionId field to
918273641064738 if your system cannot yet store network transaction IDs.
Mastercard trace IDs are required only for transactions in the European Economic Area (EEA), but are recommended for all transactions because Mastercard could change their requirements later.