FAQ - Visa Merchant Initiated Transactions & Stored Credentials Mandates

What’s the important news?

  1. Visa introduced a new framework for Merchant Initiated Transactions (MIT) to identify transaction intent and cardholder participation in the transaction. Any transaction initiated by merchant as a follow on to an initial Cardholder Initiated Transaction must follow the MIT framework to benefit from higher authorization rates and successful processing of subsequent MIT’s.

  2. Visa also announced requirements for its Stored Credentials framework, to identify initial storage and subsequent use of payment credentials by merchants. Following the authorization rules defined as part of the framework for all card on file (COF) transactions is expected to result in higher authorization approval rates. It also is required for merchants to benefit from participation in the Real Time Visa Account Updater. Real Time Account Updater service enables merchants to get updated card information as part of authorization message in real time.

Key Takeaway: Both mandates require merchants to upgrade their integrations with CyberSource. This also applies to our commerce server integrations (cartridges, modules, plugins, etc.)

  Download MIT Manadate FAQ (PDF)

IMPORTANT:  The information provided herein addresses the steps CyberSource is taking in response to the relevant mandate.  Your organization is independently responsible for its compliance with the mandate and it is incumbent on your organization to review any requirements of the mandate that may apply to it, which may include requirements not addressed by CyberSource’s changes outlined herein.


Merchant Initiated Transactions - MIT

Stored Credentials / Card on File Transactions