1.13. Recurring Payments Service
Introduction
Recurring (also Recurrent) payments transactions is a type of bank payments, where charges are applied to a cardholder in predetermined intervals for services or goods of an ongoing nature (memberships, subscriptions, loan payments). Prior to the charges, card must be registered in system. Recurring Payments Service enables automatic processing of payments on a regular schedule, such as weekly, monthly, or annually. With this service, Payers can set up their payment details once, and the system will automatically charge their credit card or bank account at the specified intervals. The Connecting Party is not required to specify the recurring schedule on Payment Gateway side. The recurring payment requests can also be initiated manually according to Connecting Party internal schedule, business model or Payer’s request. To view and manage recurring payments service from UI, contact support manager.
Direct Recurring Payments Flow
This flow implies that Connecting Party has PCI DSS certificate and is able to work with cardholder data.
(2) To create recurring payment request see /api/v4/create-recurring-payment/.
(7, 8, 13, 14, 20, 21) To implement callback with final status handling see Connecting Party Callback.
(10) To process recurring payment request see /api/v4/process-recurring-payment/.
(16) To update recurring payment request see /api/v4/update-recurring-payment/.
Recurring Payments With Initial Transaction Flow
Initial payment – make initial payment to verify and authorize the Payer’s card. Any transaction type with present cardholder data will work as initial payment - sale, preauth, transfer, etc.
This flow doesn’t contain cardholder data in communication between Payer and Connecting Party, and between Connecting Party and Payment Gateway, so it doesn’t require PCI DSS certification from Connecting Party.
(2) To initiate card registration via v4/create-card-ref request see api/v4/create-card-ref.
(9, 10, 16, 17) To implement callback with final status handling see Connecting Party Callback.
(6) To process recurring payment request see /api/v4/process-recurring-payment/.
(12) To update recurring payment request see /api/v4/update-recurring-payment/.