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Merchant-initiated transaction
Also: MIT
A charge initiated by the merchant against a previously stored credential, without the cardholder present.
MIT is the umbrella for recurring billing, installments, top-ups, and similar charges. Schemes require the initial cardholder-initiated transaction (CIT) to flag credential-on-file and SCA-authenticate; subsequent MITs reference that initial transaction ID and are exempt from SCA. Mislabelling MITs as CITs is a common cause of soft declines.
Related terms
A transaction initiated by the cardholder in real time, typically the first charge that establishes credential-on-file.
PSD2 requirement that customer-initiated electronic payments in the EEA and UK be authenticated with two of: knowledge, possession, inherence.
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