Mastercard Transaction Initiator - CIT and MIT
For more information about Cardholder and Merchant-initiated transactions, please refer to Transaction Initiator Indicator (CIT and MIT).
Mastercard transaction initiator tables
CIT and MIT categories
The categories (C1, M1 or M2) must be sent in parameter Payment.InitiatedTransactionIndicator.Category.
| Category | Transaction initiator | Description |
|---|---|---|
C1 | Cardholder-initiated transaction (CIT). | The transaction is initiated by the cardholder. The cardholder provides card data and agrees with the merchant storing payment credentials or makes a purchase using previously stored payment credentials. The subcategory will indicate the reason for the purchase or for storing card data. |
M1 | Merchant-initiated transaction (MIT). | The merchant has stored the payment credentials in the past (tokenized and with cardholder consent) and is authorized to initiate one or more transactions in the future for recurrent payments or installments. |
M2 | Merchant-initiated transaction (MIT). | The merchant has stored the payment credentials in the past (tokenized and with cardholder consent) and is authorized to initiate one or more transactions in the future in order to charge for partial deliveries, related/delayed expenses, no-show fees and retry/resubmission. |
CIT and MIT subcategories
The subcategories must be sent in parameter Payment.InitiatedTransactionIndicator.Subcategory.
| Initiator category | Initiator subcategory | Meaning | Example |
|---|---|---|---|
C1 | CredentialsOnFile | Cardholder-initiated transaction in which the cardholder provides card data and agrees with the merchant storing payment credentials or makes a purchase using previously stored payment credentials. | The cardholder initiates the purchase and the merchant is authorized to save card data for future purchases initiated by the cardholder, such as one-click-buy. |
C1 | StandingOrder | Cardholder-initiated transaction in which the cardholder provides card data and agrees with the merchant storing payment credentials for future payments of fixed amount and variable frequency. | Initial transaction to store card data for utility bills monthly payments. |
C1 | Subscription | Cardholder-initiated transaction in which the cardholder provides card data and agrees with the merchant storing payment credentials for recurrent payments of fixed amount and frequency. | Initial transaction to store card data for a monthly subscription (e.g .newspapers and magazines). |
C1 | Installment | Cardholder-initiated transaction in which the cardholder initiates the first installment and authorizes the merchant to save card data for the next installments. | Initial transaction to store card data for installment buying |
M1 | CredentialsOnFile | Merchant-initiated unscheduled transaction of fixed or variable amount. | When the cardholder agrees with transactions for toll charges when the balance in their account is below a certain amount (auto-recharge). |
M1 | StandingOrder | Merchant-initiated transaction of variable amount and fixed frequency. | Utility bills monthy payments. |
M1 | Subscription | Merchant-initiated transaction of fixed amount and fixed frequency. | Monthly subscription or fixed monthly service payment. |
M1 | Installment | Merchant-initiated transaction of known amount and defined period. | If a shopper buys a TV for $600 and chooses to pay in three $200 installments; in this situation, the first transaction is initiated by the cardholder and the following two transactions are initiated by the merchant. |
M2 | PartialShipment | Merchant-initiated transaction when the order will be delivered in more than one shipping. | Partial shipment may occur when the amount of purchased goods in the e-commerce is not available for shipping in the time of purchase. Each shipping is a separate transaction. |
M2 | RelatedOrDelayedCharge | Merchant-initiated transaction for additional expenses, i.e., additional charges after providing initial services and processing the payment. | A hotel minibar fridge charges after cardholder check-out. |
M2 | NoShow | Merchant-initiated transaction for no-show charges according to the merchant cancellation policy. | The cancellation of a reservation by the cardholder without adequate prior notice to the merchant. |
M2 | Resubmission | Merchant-initiated transaction for retrying previously denied transactions. | The previous attempt to submit a transaction was denied, but the issuer response does not prohibit the merchant to retry, such as insufficient funds/response above credit limit. |
Important: Card data is stored in encrypted format.