# Unscheduled Merchant-Initiated scenario

Merchant can initiate payment transaction using stored credentials on a non-fixed schedule and/or using a variable amount. Below, decribes a possible scenario

# Step 1
- Cardholder decide to open a wallet account with a provider and topup an initial amount. The cardholder agrees to place their card on file with the merchant and activate the automatic top-ups feature. When the cardholder balance drops below a certain threshold the account is automatically topup to a certain amount.
- The cardholder performs a payment by entering full card details.
- If the merchant is PCI SAQ-D Compliant, he can perform a full card payment else he should perform the payment using a payment-nonce.
- As it is the initial payment, the transaction is initiated by the cardholder. (flag the merchant_initiated set to false).

Authorize a transaction using full card number

curl -X POST \
  https://api.openacquiring.com/v1/merchants/w3z8dfhkzvfq0j9n/payment \
  -H 'authorization: Basic ODZidWQ0Y2JremlxOXZmYzoweHI1ZDkwOHo2bmo4a2h6' \
  -H 'content-type: application/json' \
  -d '{
	"intent":"auth"
    ,"merchant_initiated":false
	,"payer":{
		"payment_type":"CC"
		,"funding_instrument":{
			"credit_card":{
				"number":"4005520201264821"
				,"expire_month":12
				,"expire_year":2020
				,"cvv2":"123"
				,"name":"Tom Hanks"
			}
		}
		,"payer_info":{
			"email":"TomHanks@gmail.com"
			,"billing_address":{
					"line1":"18 Avenue"
					,"line2":"cassidy"
					,"city":"Rose-Hill"
					,"country_code":"mu"
					,"postal_code":"72101"
					,"state":""
					,"phone":{
						"country_code":"230"
						,"number":"57976041"
					}
				}
		}
	}
	,"payee":{
		"email":"mail@test.com"
		,"merchant_id":"w3z8dfhkzvfq0j9n"
	}
	,"transaction":{
        "amount":{
			"currency":"USD"
			,"total":"300"
			,"details":{
				"subtotal":""
				,"shipping":""
			}
		}
		,"description":"purchase"
		,"items":[
			{
                "sku":"100299S"
                ,"name":"Ultrawatch"
                ,"description":"Smart watch"
                ,"quantity":"1"
                ,"price":"500"
                ,"shipping":"20"
                ,"currency":"USD"
                ,"url":""
                ,"image":""
                ,"tangible":"true"
			},
			{
                "sku":"100269S"
                ,"name":"Drone"
                ,"description":"drone x"
                ,"quantity":"1"
                ,"price":"500"
                ,"shipping":"20"
                ,"currency":"USD"
                ,"url":""
                ,"image":""
                ,"tangible":"true"
			}
		]
		,"shipping_address":{
			"recipient_name":"Tom Hanks"
		}
		,"soft_descriptor":{
			"text":"test.com"
			,"city":"london"
		}
		,"invoice_number":"123455"
	}
	,"custom":{
		
	},
	"capture_delay": 0.05,
	"metadata":{
		"CMS":"WooCommerce"
	}
}'

Successfull Response


{
    "id": "35ZQXK7H9YRD17JI6DNU",
    "reference_id": "35ZQXK7H9YRD17JI6DNU",
    "state": "authorised",
    "result": {
        "authorisation_code": "058607",
        "risk_check": true,
        "code": "0000"
    },
    "intent": "AUTH",
    "payer": {
        "payment_type": "CC",
        "funding_instrument": {
            "credit_card": {
                "id": "9c22d208-4e25-47f8-8d32-c0e6d97c17c2",
                "type": "Visa",
                "expire_month": 12,
                "expire_year": 2020,
                "name": "Tom Hanks",
                "cvv_check": "Y",
                "avs_check": "S",
                "last4": "4821",
                "bin": "400552",
				"is_default": true,
                "bin_data": {
                    "bin": "400552",
                    "country_code": "MU",
                    "country_name": "Mauritius",
                    "bank_name": "MCB",
                    "card_scheme": "Visa",
                    "card_type": "Credit",
                    "card_category": "1"
                }
            }
        },
        "payer_info": {
            "id": "0f053a05-9fa2-49a1-871f-3098e4b114e2",
            "email": "TomHanks@gmail.com",
            "name": "Tom Hanks",
            "billing_address": {
                "phone": {
                    "country_code": "230",
                    "number": "57976041"
                },
                "line1": "18 Avenue",
                "line2": "cassidy",
                "city": "Rose-Hill",
                "country_code": "MU",
                "postal_code": "72101",
                "state": ""
            }
        }
    },
    "transaction": {
        "amount": {
            "currency": "USD",
            "total": "300"
        },
        "type": "1",
        "mode": "1",
        "items": [
            {
                "sku": "100299S",
                "name": "Ultrawatch",
                "description": "Smart watch",
                "quantity": "1",
                "price": "500",
                "shipping": "",
                "url": ""
            },
            {
                "sku": "100269S",
                "name": "Drone",
                "description": "drone x",
                "quantity": "1",
                "price": "500",
                "shipping": "",
                "url": ""
            }
        ],
        "shipping_address": {
            "recipient_name": "Tom Hanks",
            "phone": {}
        },
        "invoice_number": "123455"
    },
    "custom": {},
    "delayed_capture_time": "2020-09-06T21:53:18Z",
    "create_time": "2020-09-06T21:50:18Z",
    "three_d": {}
}

# Step 2
- If the merchant is going to perform MIT, he must save the reference_id for future use.
- For PCI SAQ-D merchants, they might choose to save the full card details on their servers.
- For non PCI merchants, they might choose to save the Payer details and associated payer.funding_instrument.credit_card.id.
# Step 3
- Cardholder account drops below a certain amount. An automatic topup is triggered by the merchant to recharge the cardholder account without his interaction.
- To initiate subsequent unscheduled merchant initiated transaction, we need flag the transaction as merchant_initiated by setting its value to true and referencing the initial payment by using the saved reference_id. (payload attribute previous_payment_id:<reference_id>)
- If the merchant is PCI SAQ-D and stores the card details on his own server. The merchant will perform a full card payment with the flag payer.funding_instrument.credit_card.stored: true set to true.

Authorize a second payment using full card number

curl -X POST \
  https://api.openacquiring.com/v1/merchants/w3z8dfhkzvfq0j9n/payment \
  -H 'authorization: Basic ODZidWQ0Y2JremlxOXZmYzoweHI1ZDkwOHo2bmo4a2h6' \
  -H 'content-type: application/json' \
  -d '{
	"intent":"auth"
    ,"merchant_initiated":true
	,"previous_payment_id": 35ZQXK7H9YRD17JI6DNU
	,"payer":{
		"payment_type":"CC"
		,"funding_instrument":{
			"credit_card":{
				"number":"4005520201264821"
				,"expire_month":12
				,"expire_year":2020
				,"cvv2":"123"
				,"name":"Tom Hanks"
                ,"stored":true
			}
		}
		,"payer_info":{
			"email":"TomHanks@gmail.com"
			,"billing_address":{
					"line1":"18 Avenue"
					,"line2":"cassidy"
					,"city":"Rose-Hill"
					,"country_code":"mu"
					,"postal_code":"72101"
					,"state":""
					,"phone":{
						"country_code":"230"
						,"number":"57976041"
					}
				}
		}
	}
	,"payee":{
		"email":"mail@test.com"
		,"merchant_id":"w3z8dfhkzvfq0j9n"
	}
	,"transaction":{
        "amount":{
			"currency":"USD"
			,"total":"300"
			,"details":{
				"subtotal":""
				,"shipping":""
			}
		}
		,"description":"purchase"
		,"items":[
			{
                "sku":"100299S"
                ,"name":"Ultrawatch"
                ,"description":"Smart watch"
                ,"quantity":"1"
                ,"price":"500"
                ,"shipping":"20"
                ,"currency":"USD"
                ,"url":""
                ,"image":""
                ,"tangible":"true"
			},
			{
                "sku":"100269S"
                ,"name":"Drone"
                ,"description":"drone x"
                ,"quantity":"1"
                ,"price":"500"
                ,"shipping":"20"
                ,"currency":"USD"
                ,"url":""
                ,"image":""
                ,"tangible":"true"
			}
		]
		,"shipping_address":{
			"recipient_name":"Tom Hanks"
		}
		,"soft_descriptor":{
			"text":"test.com"
			,"city":"london"
		}
		,"invoice_number":"123455"
	}
	,"custom":{
		
	},
	"capture_delay": 0.05,
	"metadata":{
		"CMS":"WooCommerce"
	}
}'

if the merchant is not PCI SAQ-D and uses our Vault to store credit card details. The merchant will need to specify the credit_card_id retrieved and stored from the initial payment.

curl -X POST \
  https://api.openacquiring.com/v1/merchants/w3z8dfhkzvfq0j9n/payment \
  -H 'authorization: Basic ODZidWQ0Y2JremlxOXZmYzoweHI1ZDkwOHo2bmo4a2h6' \
  -H 'content-type: application/json' \
  -d '{
	"intent":"auth"
	,"merchant_initiated":true
	,"previous_payment_id": 35ZQXK7H9YRD17JI6DNU
	,"payer":{
		"payment_type":"CC"
		,"funding_instrument":{
			"credit_card_token":{
				"credit_card_id":"9c22d208-4e25-47f8-8d32-c0e6d97c17c2"		
			}
		}
		,"payer_info":{
			"email":"testclient@gmail.com"
			,"billing_address":{
					"line1":"18 Avenue"
					,"line2":"Test"
					,"city":"city name"
					,"country_code":"GB"
					,"postal_code":"W1 2"
					,"state":""
					,"phone":{
						"country_code":"+1"
						,"number":"0900099990"
					}
				}
		}
	}
	,"payee":{
		"email":"mail@merchantdomain.com"
		,"merchant_id":"w3z8dfhkzvfq0j9n"
	}
	,"transaction":{
		"amount":{
			"currency":"USD"
			,"total":"200.00"
			,"details":{
				"subtotal":""
				,"shipping":""
			}
		}
		,"description":"purchase"
		,"items":[
			{"sku":"100299S"
			,"name":"Ultrawatch"
			,"description":"Smart watch"
			,"quantity":"1"
			,"price":"110.00"
			,"shipping":"20"
			,"currency":"USD"
			,"url":""
			,"image":""
			,"tangible":"true"
			},
			{"sku":"100269S"
			,"name":"Drone"
			,"description":"drone x"
			,"quantity":"2"
			,"price":"45"
			,"shipping":"20"
			,"currency":"USD"
			,"url":""
			,"image":""
			,"tangible":"true"
			}
			]
		,"shipping_address":{
			"recipient_name":"Tom Hanks"
		}

		,"invoice_number":"123455"
	}
	,"custom":{
		"field1":"this is a test"
	}
}'

← Scheduled Merchant-Initiated Transaction scenario Get payer by email →

# Unscheduled Merchant-Initiated scenario

# Step 1

# Step 2

# Step 3