Customer-Initiated Transactions (CIT)

A Customer-Initiated Transaction (CIT) is the initial payment where the cardholder is present and approves the charge. This is the transaction you run first in any recurring or stored-card flow, because it produces the networkTransactionId (NTI) that every later MIT should reference.

To create a CIT, set "initiatorType": "CUSTOMER" in the payment method object.

Creating a CIT charge


POST https://api.beamcheckout.com/api/v1/charges
Content-Type: application/json
Authorization: Basic <base64(merchantId:apiKey)>
 
{
  "amount": 10000,
  "currency": "THB",
  "paymentMethod": {
    "paymentMethodType": "CARD_NETWORK_TOKEN",
    "cardNetworkToken": {
      "number": "4111111111111111",
      "cryptogram": "AceY+igABPs3jdwNaDg3MAACAAA=",
      "cardHolderName": "John Doe",
      "expiryMonth": 12,
      "expiryYear": 31,
      "first8": "41111111",
      "last4": "1111",
      "initiatorType": "CUSTOMER"
    }
  },
  "referenceId": "charge_cit_nt",
  "skip3dsFlow": true
}

Note

initiatorType is also supported on CARD and CARD_TOKEN.

Beam returns the NTI

After the charge reaches SUCCEEDED, retrieve it with GET /api/v1/charges/{chargeId}. Beam returns the networkTransactionId in the response payment method object. Store this value — you will use it for subsequent MITs.


{
  "chargeId": "ch_2xTsz7Qit55pahSvKfJG3UMkpFQ",
  "amount": 10000,
  "currency": "THB",
  "status": "SUCCEEDED",
  "referenceId": "charge_cit_nt",
  "paymentMethod": {
    "paymentMethodType": "CARD_NETWORK_TOKEN",
    "cardNetworkToken": {
      "brand": "VISA",
      "last4": "1111",
      "countryAlpha2": "TH",
      "networkTransactionId": "024042212345678",
      "iso8583ResponseCode": "00"
    }
  }
}

Note

An NTI obtained from a CIT processed by another payment processor can also be used for MITs on Beam. You are not required to run the initial CIT through Beam, as long as you have a valid NTI for the card.

What’s next

Once you have stored the networkTransactionId, you can charge the card without the cardholder present — see Merchant-Initiated Transactions (MIT).