MIT recurring payments

A recurring payment (or repeated payment) enables you to accept a payment and debit money in the following ways:

• Via a token, without involving the user, those recurring payments are called Merchant Initialized Transaction (MIT).
• Via requesting 3D Secure verification from the user, those recurring payments are called Customer Initialized Transaction (CIT).

This page overlooks only the MIT recurring payments. Learn more on CIT recurring payments.

Currently, recurring payments can only be accepted from a bank card; other options will be added soon.

A new token is generated for each new payment made using the same card. This token is linked to the payment, not to the card. If you need to identify the card, you can use the Card identifier.

How to create a recurring payment

1. Obtain the user's consent to recurring payments.
2. Perform a successful payment that will recur, and get a token.
3. Perform payments using this token.

User Consent

Why you need it

Recurring payments are pre-authorized by a user and can be made without any future confirmation from them. The user only sees funds debited from their card. This is why you assume full responsibility for such payments: the amount, frequency, and user's consent.

You need user's consent for dispute situations (e.g. if the user complaints about an unauthorized debit).

How to obtain user's consent

You can do it in any way you find convenient. The main point is that you need to verify the user had been aware of automatic debits when they made the first payment, and agreed to them.

How to do it:

1. Describe payment terms to make sure the user will read them.
2. Ask the user to confirm they understand and agree to the terms (e.g. add an unambiguous checkbox like Save card, Enable automatic payments, Enable recurring donations, etc.).

If the user checks the box, thus verifying their consent, recurring payments become enabled. If they don't, recurring payments are not activated.

The checkbox can be on your side (in this case, you will decide how it looks and where it is located) or on our side—in our payment widget.

Token for recurring payments

You need to perform one payment successfully, selecting the option to save bank card details. In response to this payment, you will receive a token. This token can be saved and used to accept future payments.

How to get a token

When creating a payment session

Send recurrent=true (in payment_options).

You can do this when creating a payment session or in any payment request.

If such a payment is successfully performed, you will receive a token for recurring payments with which you will be able to repeat the payment.

In this case, you need to get the user's consent on your side beforehand.

In our payment widget

If you perform a payment with the widget, you can show the checkbox I agree to recurring payments to the user.

If the user checks this box and the payment is performed successfully, you will receive the token for recurring payments.

Token statuses

When you create a token, it becomes active (is_active: true) and you can perform payments via the token.

If a token is inactive (is_active: false) or expired, the payment will not be processed and you will see an error.

How to learn the token status

Send a token/info request. In the type parameter, pass recurrent_token, in the recurrent_token.token parameter, pass the token.

In return, you will get info with the date of token expiration (finished_at) and status (is_active). The token expiration setting (finished_at) isn't processed by the Bank, i.e. the token will never expire and remain active even after the specified expiration date. If is_active: true, you can perform payments via this token. Please note that an active token won't guarantee a successful payment, since the payment can be, for some reason, rejected by the card issuer.

How to disable a token

If you don't want to use a token for payments anymore (e.g. a user disabled recurring payments), send a request recurrent/disable.

In response, you will receive recurrent. If is_active: false, it means the token is disabled and you cannot perform payments via token anymore.

After the token is disabled, the token expiration setting finished_at may contain a date of the year 2000. This value won't affect anything, so please disregard it.

How to accept recurring payments

Step 1. Successfully perform a payment with an instruction to create a token

The payment procedure can be performed however you like, e.g. with the widget or without the widget.

When creating a payment session or in the payment request in payment_options, pass true in the recurrent field.

Example of a payment request with an instruction to create a token

cURL

curl -X POST \
https://demo.bank131.ru/api/v1/session/init/payment \
-H 'Content-Type: application/json' \
-H 'X-PARTNER-PROJECT: your_project_name' \
-H 'X-PARTNER-SIGN: signature' \
-d '{
  "payment_details": {
    "type": "card",
    "card": {
      "type": "bank_card",
      "bank_card": {
        "number": "4242424242424242",
        "expiration_month": "01",
        "expiration_year": "22",
        "security_code": "087"
      }
    }
  },
  "amount_details": {
    "amount": 10000,
    "currency": "rub"
  },
  "customer": {
    "reference": "lucky"
  },
  "payment_options": {
    "recurrent": true
  }
}'

PHP

use Bank131\SDK\API\Request\Builder\RequestBuilderFactory;
use Bank131\SDK\Client;
use Bank131\SDK\Config;
use Bank131\SDK\DTO\Card\BankCard;
use Bank131\SDK\DTO\Customer;
use Bank131\SDK\DTO\PaymentOptions;

$config = new Config(
    'https://demo.bank131.ru',
    'your_project_name',
    file_get_contents('/path/to/your/private_key.pem')
);

$client = new Client($config);

$paymentOptions = new PaymentOptions();
$paymentOptions->setRecurrent(true);

$request = RequestBuilderFactory::create()
    ->initPaymentSession()
    ->setCard(new BankCard('4242424242424242', '01', '22', '087'))
    ->setAmount(10000, 'rub')
    ->setCustomer(new Customer('lucky'))
    ->setPaymentOptions($paymentOptions)
    ->build();

$response = $client->session()->initPayment($request);

Widget payment

If you perform a payment with a widget, you can show the user the checkbox I agree to recurring payments.

For that, in the widget token creation request, pass true in the show_recurrent_checkbox field.

This is optional. You can obtain the user's consent earlier, pass recurrent: true when creating a payment session, and show the user the widget with no checkboxes—like with ordinary payments.

Example of creating a token for the widget with the checkbox "I agree to recurring payments"

cURL

curl -X POST \
https://demo.bank131.ru/api/v1/token \
-H 'Content-Type: application/json' \
-H 'X-PARTNER-PROJECT: your_project_name' \
-H 'X-PARTNER-SIGN: signature' \
-d '{
  "acquiring_widget": {
    "session_id": "ps_34851",
    "show_recurrent_checkbox": true
  }
}'

Then, create a payment form with this token.

If a user checks the box Enable recurring payments (i.e. agrees to enable recurring debiting from their card), you will receive a token.

Example of a widget to enable or disable recurring payments

Step 2. Save the token on successful payment

If the payment is performed successfully (and the user enables recurring debiting when paying through the form), you will get the token in the webhook payment_finished.

Webhook request body example

{
  "type": "payment_finished",
  "session": {
    "id": "ps_3230",
    "status": "accepted",
    "created_at": "2018-05-27T02:03:00.000000Z",
    "updated_at": "2018-05-27T02:03:00.000000Z",
    "acquiring_payments": [
      {
        "id": "pm_2705",
        "status": "succeeded",
        "created_at": "2018-05-27T02:03:00.000000Z",
        "finished_at": "2018-05-27T02:03:00.000000Z",
        "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
        },
        "amount_details": {
          "amount": 10000,
          "currency": "rub"
        },
        "payment_options": {
          "recurrent": true
        }
      }
    ]
  }
}

Step 3. Accept payments using the token

Send a request to accept a payment with the recurrent payment type. Instead of a bank card, pass the token you saved after the previously accepted payment.

Response example for the recurring payment creation

cURL

curl -X POST
https://demo.bank131.ru/api/v1/session/init/payment \
-H 'Content-Type: application/json' \
-H 'X-PARTNER-PROJECT: your_project_name' \
-H 'X-PARTNER-SIGN: signature' \
-d '{
  "payment_details": {
    "type": "recurrent",
    "recurrent": {
      "token": "e9876f32bcd947f79c324cf2da5726304a894f6ae2037de7705fdb3e0a134d39"
    }
  },
  "amount_details": {
    "amount": 10000,
    "currency": "rub"
  },
  "customer": {
    "reference": "lucky"
  }
}'

PHP

use Bank131\SDK\API\Request\Builder\RequestBuilderFactory;
use Bank131\SDK\Client;
use Bank131\SDK\Config;
use Bank131\SDK\DTO\Customer;

$config = new Config(
    'https://demo.bank131.ru',
    'your_project_name',
    file_get_contents('/path/to/your/private_key.pem')
);

$client = new Client($config);

$request = RequestBuilderFactory::create()
    ->initPaymentSession()
    ->setRecurrentToken('e9876f32bcd947f79c324cf2da5726304a894f6ae2037de7705fdb3e0a134d39')
    ->setAmount(10000, 'rub')
    ->setCustomer(new Customer('lucky'))
    ->build();

$response = $client->session()->initPayment($request);