Stored credential transactions (COF) provides the simple way to make the subsequent operations with the card data that stored during the initial operation.
The initial operation is carried out with the obligatory receipt of the payer's consent to store of card details for subsequent operations.
The initial operation can be:
The initial operation is carried out using a conventional bankcard, or using a mobile device tokenization system, for example, Apple Pay, Samsung Pay or Google Pay.
In any case, verification by one of the possible ways (CVC2 and 3dS or using a mobile device) is required for the initial COF operation.
Subsequent operations can be carried out after the successful initial operation with the obligatory consent of the payer to the further use of card data. Subsequent operations are carried out without any verification.
Subsequent operations can be initiated by the payer. These operations are called «Customer Initialized Transaction» (CIT).
The One Click program is used to implement CIT COF operations in IPS Assist.
By participating in the program, the company maintains its database of customers, giving them an unique number (CustomerNumber), while the Assist system stores the encrypted credit card data corresponding to those merchant customers (CustomerNumber).
While performing of order payment, the customer gets an offer to save the card for future payments using the One Click program.
The One Click program (see the «One Click Program» document) allows a regular customer of a merchant to make new purchases without entering card data. The payment requires only confirmation by the CVC2 code. However, if the initial COF operation is successful, the CVC2 code will not be requested in the subsequent operations.
To start use the COF operations the merchant should send request to support team support@assist.ru. The request should contain the merchant identifier (Merchant_ID). |
Since unique numbers in the customer's database of the merchant (CustomerNumber) are generated and stored on the side of the merchant, it should pay special attention to protecting this data from hacking. It is necessary to increase the protection of personal data on the side of the merchant with the help of modern means (two-factor authentication for customers when entering the merchant's personal store, increased requirements for client passwords by security level, periodic updating of client passwords, etc.). |
If the customer agrees to save the card, and proceed the successful payment then the IPS Assist generates a token - a unique card identifier that is stored in the system.
After the customer completes the payment for the order, a message with the payment parameters can be sent to the server of the merchant using the HTTP POST or SOAP method (for more details, see section 3.5 of the document «Setting up the technical interaction with IPS Assist») or the merchant can request the payment results by calling the orderresult web service.
In this case, an additional parameter appears in the list of payment parameters:
Name | Description |
token | The unique identifier of the saved customer card |
When the merchant builds the next order, it is possible to redirect to the IPS Assist payment page to pay with the earlier saved card. In this case, the merchant must send order data with a unique customer number, i.e. in addition to the authorized request parameters, it is necessary to transfer the CustomerNumber. All actions related to payment by a saved card are performed on the Assist side.
If for any reason it is more convenient for the merchant to independently display an offer to the customer to pay the order with a previously saved card (on its website or in a specialized mobile application), then in order to use CIT COF, the merchant has to call the Token Pay payment web-service.
The request URL for transfer the encrypted payment data block:
https://<SERVER_NAME>/pay/tokenpay.cfm ,
As <SERVER_NAME> you should use the received from support service (support@assist.ru) value as the domain name.
List of request parameters:
Parameter | Mandatory field | Adopted values | Default value | Description |
Merchant_ID | Yes | Number | The enterprise identifier in IPS Assist | |
Login | Yes | 8-20 characters | Login in IPS Assist (Latin letters, digits and symbol _) | |
Password | Yes | 8-20 characters | Password in IPS Assist (Latin letters and digits) | |
OrderNumber | Yes | 128 characters | Order number in the merchant payments system | |
OrderAmount | Yes | Number, 15 digits (delimiter: '.') | Payment amount, in original currency (e.g., 10.34). | |
OrderCurrency | No | 3 characters | Currency of legal entity/enterprise | Code of currency of the OrderAmount |
OrderComment | No | 256 characters | Comment. | |
Delay | No | 0 – one-stage operation 1 – double-stage operation | 0 | Attribute of a bankcard authorization for the double-stage operation mode. |
Language | No | RU – Russian, EN – English | Language of legal entity/enterprise | Language of authorized pages |
ClientIP | No | Maximum of 15 digits, 4 delimiters «.» | IP-address of the customer | |
TokenType | No | 5 – Assist; | 1 | Payment Token Type Identifier |
PaymentToken | No | JSON | Payment Token {"Token":"<UUID>", "CustomerNumber":"<CustomerNumber>"} | |
Lastname | No | 70 characters | Customer's last name. | |
Firstname | No | 70 characters | Customer's first name. | |
Middlename | No | 70 characters | Customer's middle name. | |
No | 128 characters | Customer's e-mail. | ||
Address | No | 256 characters | Customer's address. | |
HomePhone | No | 64 characters | Customer's home phone number. | |
WorkPhone | No | 20 characters | Customer's work phone number. | |
MobilePhone | No | 20 characters | Customer's mobile phone number. | |
Fax | No | 20 characters | Customer's fax number. | |
Country | No | 3 characters | Customer's country. | |
State | No | 3 characters | Customer's region. | |
City | No | 70 characters | Customer's city. | |
Zip | No | 25 characters | Customer's post zip code. | |
isConvert | No | 0 – don't convert to the base currency 1 - don't convert to the base currency if possible 2 – always convert to the base currency | 1 | Currency conversion indicator |
Format | No | 4 – SOAP | 5 | Results format. |
Signature | No | String | The string is joined according to determined rules. Then the MD5 hash prepared from this string. Hash is signed by private RSA key of the merchant. Key length - 1024. Received bit sequence is a signature. Signature is transferred BASE64 coded string. | |
Chequeitems | No/Yes** | String in JSON-format | Cheque items according to the section “Payment with cheque”. | |
GenerateReceipt | No | 0 or 1 | 1 | Permission to generate of a fiscal receipt. If the value of parameter is 0, the generation of a fiscal receipt is prohibited for this order. |
Tax | No | 10 characters | Parameter is determined by the “Default tax rate” option of the merchant and used in the mode without transfer of the cheque items (the entire amount must be paid with one rate). | |
ReceiptLine | No | 128 characters | Parameter is determined by the “Default text of cheque item” option of the merchant and used in the mode without transfer of the cheque items. | Text description of the cheque item, if the cheque has one single item. |
FPMode | No | Number | Parameter is determined by the “Default payment method” option of the merchant and used in the mode without transfer of the cheque items. | |
TaxationSystem | No/Yes* | Number | From the merchant’s or CRE settings |
Note to the parameter TokenType, the value of which should be equal to 5, and also the value of the PaymentToken parameter, which must contain the unique customer number in the merchant database (CustomerNumber) and the unique identifier of the saved customer card received during the initial operation of this customer from the IPS Assist.
The payment will be made as a CIT COF operation with the earlier saved card at the initial payment for this token of this customer.