CIT-MIT Indicators

The following table displays CIT and MIT indicators used in Create Transaction and the initiator and type fields under recurringData.

CIT MIT Flag	CIT-MIT Indicator	Values	Definition	Example
CIT	Credential on File	`A`	Consumer agrees to store the credential on file with the merchant for future cardholder-initiated and/or merchant-initiated transactions that may occur from time to time, or consumer chooses to use a credential previously placed on file with the merchant when making a purchase.	The consumer initiates a purchase and merchant prompts consumer to store the credential-on-file for future cardholder-initiated purchases.
CIT	Standing Order (variable amount and fixed frequency)	`A`	Consumer agrees to store the credential-on-file and initiates a first transaction in a series intended to be for a variable amount and a fixed frequency.	The initial transaction to store the credential-on-file for a monthly utility payment.
CIT	Subscription (fixed amount and frequency)	`S`	Consumer agrees to store the credential-on-file and initiates a first transaction in a series intended to be for a fixed amount and a fixed frequency.	The initial transaction to store the credential-on-file for a monthly newspaper subscription.
CIT	Installment	`R`	Consumer agrees to store the credential-on-file to establish an installment plan and initiates a first transaction in a series. The installment plan should reflect the single purchase of goods/services with a known amount and set frequency over a specified duration.	The initial transaction to store the credential-on-file for a purchase to be paid through installment payments
MIT	(Unscheduled) Credential on File	`A`	A transaction made pursuant to an agreement between a cardholder and a merchant, whereby the cardholder authorizes the merchant to store and use the cardholder’s account data to initiate one or more future transactions. The transaction can be for a fixed or variable amount but does not occur at regular intervals on a scheduled date.	The consumer agrees to allow a tollway merchant to initiate transactions when the balance in the consumer account with the merchant falls below an established amount (auto top-up).
MIT	Standing Order (variable amount and fixed frequency)	`R`	A transaction made pursuant to an agreement between a cardholder and a merchant, whereby the cardholder authorizes the merchant to store and use the cardholder’s account data for a transaction that must occur at regularly scheduled intervals for a variable amount, as specified in the agreement.	Monthly utility payments.
MIT	Subscription(fixed amount and frequency)	`S`	A transaction made pursuant to an agreement between a cardholder and a merchant, whereby the cardholder authorizes the merchant to store and use the cardholder’s account data for a transaction that must occur at regularly scheduled intervals for a fixed amount, as specified in the agreement. The subscription agreement may include an allowance for introductory pricing or for price changes to occur from time to time.	Monthly subscription or fixed monthly service payment.
MIT	Installment	`I`	A transaction in a series of transactions made pursuant to an agreement between a cardholder and a merchant, whereby the cardholder authorizes the merchant to store the cardholder’s account data for use by the merchant to initiate one or more future transactions for a known amount over a specified duration based on a single purchase.	Purchase a television for $1,000 USD, pay in four equal installments of $250 USD (first transaction is CIT, remaining three transactions are MIT).