CIT recurring payments

CIT recurring payments (Customer Initiated Transaction) allow accepting payments and debit money using a token, i.e. when the customer does not need to re-enter their card details. These payments can be used for paying different services (amounts) at the same place.

To make such payments we carry out an additional 3DS verification of the customer, so make sure you use the project identifier eligible for 3DS.

Note that you cannot use our widget to accept CIT payments, since our widget cannot display pre-populated card details. But you can use the last four card digits we return in the the last4 field of the card object in the payment_finished webhook.

Once you have a token, you can start accepting CIT recurring payments.

Making a CIT recurring payment

To make a CIT recurring payment, complete the following steps:

1. Create a payment session sending a session/create request.

   Alternatively, you can use the session/init/payment method. In this case, specify all the payment parameters right away as it is specified in the next step and skip the next step.

2. Send a session/start/payment request to start the CIT recurring payment. Make sure you send:

   • initiator: client in the recurrent object of payment_details
   • a URL in the return_url parameter of the payment_options object to redirect the customer back after the payment complete.
   Example

   curl -X POST \
     https://demo.smart-glocal.com/api/v1/session/start/payment \
     -H 'Content-Type: application/json' \
     -H 'X-PARTNER-PROJECT: your_project_name' \
     -H 'X-PARTNER-SIGN: signature' \
     -d '{
       "session_id":"ps_3230",
       "payment_details": {
         "type": "recurrent",
         "recurrent": {
           "token": "token_value",
           "initiator": "client"
         }
       },
       "amount_details": {
         "amount": 10000,
         "currency": "usd"
       },
       "customer": {
         "reference": "lucky"
       },
       "payment_options": {
         "return_url": "https://smart-glocal.com"
       }
     }'

3. Wait for a ready_to_confirm webhook. When you receive it, it means that Smart Glocal is ready to make the payment and is waiting for your confirmation.

4. Send a session/confirm request or a session/cancel request to confirm or cancel the operation.

5. Wait for an action_required webhook from Smart Glocal. It will contain a redirect object.

   Example

   curl -X POST \
     https://partner.com \
     -H 'Content-Type: application/json' \
     -H 'X-PARTNER-SIGN: signature' \
     -d '{
       "type": "action_required",
       "session": {
         "id": "ps_3230",
         "status": "in_progress",
         "created_at": "2024-05-27T02:03:00.000000Z",
         "updated_at": "2024-05-27T02:03:00.000000Z",
         "acquiring_payments": [{
           "id": "pm_2705",
           "status": "pending",
           "created_at": "2024-05-27T02:03:00.000000Z",
           "customer": {
             "reference":"user@smart-glocal.com"
           },
           "payment_details": {
             "type": "card",
             "card": {
               "brand": "visa",
               "last4": "4242"
             }
           },
           "amount_details": {
             "amount": 10000,
             "currency": "usd"
           },
           "amounts": {
             "fee": {
               "merchant_fee": {
                 "amount": 10,
                 "currency": "usd"
               }
             }
           },
           "customer_interaction": {
             "type": "redirect",
             "redirect": {
               "url": "https://smart-glocal.com?foo=bar",
               "base_url": "https://smart-glocal.com",
               "method": "GET",
               "qs": {
                 "foo": "bar"
               },
               "params": {
                 "PaReq": "sdfew^//asdhbv",
                 "MD": "abc75daefnn"
               }
             }
           }
         }]
       }
     }'

6. Redirect the customer to the URL passed in customer_interaction.redirect.url. Note that the redirect method can be GET or POST.

   Note that after completion of 3DS verification, the customer returns to the URL that was passed as return_url. According to the method used, POST or GET, you might need to convert the POST format to GET to avoid possible format processing issues.

7. Wait for a payment_finished webhook from Smart Glocal. The webhook will contain the recurring payment status information.

   Example

   curl -X POST \
     https://partner.com \
     -H 'Content-Type: application/json' \
     -H 'X-PARTNER-SIGN: signature' \
     -d '{
       "type": "payment_finished",
       "session": {
         "id": "ps_3230",
         "status": "accepted",
         "created_at": "2024-05-27T02:03:00.000000Z",
         "updated_at": "2024-05-27T02:03:00.000000Z",
         "acquiring_payments": [{
           "id": "pm_2705",
           "status": "succeeded",
           "created_at": "2024-05-27T02:03:00.000000Z",
           "finished_at": "2024-05-27T02:03:00.000000Z",
           "customer": {
             "reference":"lucky"
           },
           "payment_details": {
             "type": "card",
             "card": {
               "brand": "visa",
               "last4": "4242"
             }
           },
           "recurrent": {
             "token": "feda2b2106a2e8747bbdc4c9f53c7f5f6ab845ffa1b7cc68ca839720af99b3d1",
             "created_at": "2020-07-14T13:17:11+03:00",
             "finished_at": "2020-07-31T16:05:42+03:00",
             "is_active": true,
             "type": "recurrent_token"
             },
           "amount_details": {
             "amount": 10000,
             "currency": "usd"
           }
         }]
       }
     }'
   

Sequence diagram of CIT recurring payments