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Cardholder-initiated transaction
Also: CIT
A transaction initiated by the cardholder in real time, typically the first charge that establishes credential-on-file.
CITs are subject to SCA in regulated regions. The initial CIT is what schemes use to bootstrap a credential-on-file relationship; merchants pass an indicator and store the resulting transaction ID for use on subsequent MITs.
Related terms
Merchant-initiated transaction
A charge initiated by the merchant against a previously stored credential, without the cardholder present.
Strong Customer Authentication
PSD2 requirement that customer-initiated electronic payments in the EEA and UK be authenticated with two of: knowledge, possession, inherence.
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