Merchant-Initiated Transactions (MIT)

A Merchant-Initiated Transaction (MIT) is a charge you make against a stored card without the cardholder being present — for example a subscription renewal or an installment. An MIT is linked to a prior CIT using the networkTransactionId (NTI) obtained from that initial transaction.

To create an MIT:

• Set "initiatorType": "MERCHANT" in the payment method object.
• Provide the networkTransactionId from the original CIT. We recommend sending this, though Beam will still attempt the charge without it.

Creating an MIT charge

The example below charges a card network token as an MIT, referencing the NTI captured during the CIT.

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": "MERCHANT",
      "networkTransactionId": "024042212345678"
    }
  },
  "referenceId": "charge_mit_nt",
  "skip3dsFlow": true
}

You can run an MIT with any supported payment method type (CARD, CARD_TOKEN, CARD_NETWORK_TOKEN).

Handling declines

When an MIT is declined, the card response object carries iso8583ResponseCode and merchantAdviceCode, which tell you why and whether you should retry. See Network Response Codes.