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Chaining of CIT/MIT transactions

The second Payment Services Directive (PSD2) requires cardholder authentication for any e-commerce transaction initiated by the cardholder.

It is essential to identify whether the payment request is initiated:
  • CIT (Customer Initiated Transaction) : Buyer-initiated transaction with buyer interaction.

    Example: Payment or card registration requiring data entry.

  • MIT (Merchant Initiated Transaction) : Transaction initiated by the merchant, without the presence of the buyer, linked to an CIT transaction.

    Example: Installment of an payment in installments.

Operation chaining:

For a CIT transaction, regulations require cardholder authentication. After the request for authorization or information, the issuer returns a unique identifier, called the “chaining reference”. This reference is used in the MIT transactions to inform the issuer that the transaction is part of a series of payments, for which the cardholder authenticated in the first payment.

Without this reference, the issuer can decline an MIT transaction due to lack of authentication (soft decline).

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