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Skip first payment and schedule subscription

 

Process overview

This subscription process consists of three parts:

1
Update your payment form

When the customer clicks “Pay” on your checkout form, an ACCOUNTCHECK is processed and future payments are scheduled in our subscription engine. Funds will not be reserved on the customer’s account immediately. The first payment will be processed automatically by our subscription engine at a later time, at the intervals designated in your request.

2
Subscription is active

All payments are processed automatically by our subscription engine.

3
Finishing the subscription

In the JWT, you can define a finite number of payments (using the subscriptionfinalnumber field), after which our subscription engine will discontinue automatic payments. Alternatively you can allow payments to continue indefinitely and manually disable the subscription when needed.

Alternative processes for your consideration

Before you get started, you may find the following alternative process is better suited to your requirements:

  • AUTH SUBSCRIPTION – Payment is processed immediately, then payments continue at regular intervals.

 

 

1. Update your payment form

Request types

You will need to modify requestTypes to include ACCOUNTCHECK and SUBSCRIPTION, as shown in the following example:

<html>
<head>
</head>
<body>
  <div id="st-notification-frame"></div>
  <form id="st-form" action="https://www.example.com" method="POST">
    <div id="st-card-number" class="st-card-number"></div>
    <div id="st-expiration-date" class="st-expiration-date"></div>
    <div id="st-security-code" class="st-security-code"></div>
    <button type="submit" id="st-form__submit" class="st-form__submit">
      Pay securely
    </button>
  </form>
 <script src=https://webservices.securetrading.net/js/v2/st.js></script>
 <script> 
  (function() {
   var st = SecureTrading({  
    jwt: 'INSERT YOUR JWT HERE'
    });  
   st.Components({"requestTypes":["THREEDQUERY","ACCOUNTCHECK","SUBSCRIPTION]}); 
  })(); 
 </script>
</body>
</html>

Replace <DOMAIN> with a supported domain. Click here for a full list.

 

When the customer clicks “Pay”, our system will interpret this as two different requests:

 

Update the JWT

You will need to update the payload within the JWT to contain additional fields that provide the information needed to schedule the subscription following the ACCOUNTCHECK.

External
Click here to open the JWT specification in a new tab.

 

Example:

{"payload":{"accounttypedescription":"ECOM","baseamount":"1050","currencycode":"GBP","sitereference":"test_site12345","subscriptiontype":"RECURRING","subscriptionunit":"MONTH","subscriptionfrequency":"1","subscriptionnumber":"1","subscriptionfinalnumber":"12","subscriptionbegindate":"2020-01-01","credentialsonfile":"1"},"iat":"1567701632","iss":"jwt.user"}

 

Field specification

Key

Field Format Description
currencyiso3a  Alpha (3) The currency assigned to each payment in the subscription sequence.

Click here for a full list of available currencies.
baseamount Numeric (13) The amount to be paid at regular intervals, in base units, with no commas or decimal points, so £10 is submitted as 1000. This value must be greater than zero. (Max length may vary depending on your acquiring bank – Contact your bank for further info)

Note: No funds are reserved as part of the ACCOUNTCHECK. The first payment will either be processed on the specified subscriptionbegindate or after the first interval has passed (e.g. 1 MONTH or 7 DAY).
credentialsonfile Numeric (1) Submit value “1” to indicate the credentials submitted in the initial request are being stored for subsequent subscription payments.

Note: Visa and Mastercard have mandated that you must obtain cardholder consent before storing card details for future use. Click here for further information

If your system fails to submit this value in the request, our system will automatically attempt to flag the request with the correct credentialsonfile value.

If you are processing a new subscription using previously-stored credentials, you must still submit credentialsonfile = 1, to indicate the credentials will continue to be stored for payments in this specific subscription sequence.
subscriptiontype Alpha (11) For information on the use of subscription fields, please refer to the Subscription engine page.
subscriptionfinalnumber Numeric (5)
subscriptionunit Alpha (5)
subscriptionfrequency Numeric (11)
subscriptionbegindate Date YYYY-MM-DD
subscriptionnumber Numeric (5)
  • The ACCOUNTCHECK should always start with value “1”, unless resuming a previous subscription (e.g. if you are resuming a previously-cancelled subscription that had 3 payments, you can submit “4” here to carry it on).
  • This number is incremented in each subscription payment.
  • This feature allows you to effectively resume a previous subscription, maintaining the number of payments that were previously processed.
transactionactive Numeric (1) The subscription status.

“0” – Inactive: Suspends future payments until manually overridden. (Refer to information on updating subscriptions below)

“1” – Active: Schedules subscription payments immediately, bypassing fraud & duplicate checks (if enabled).

“2” – Pending (default): Schedules subscription payments within 24 hours, providing the ACCOUNTCHECK didn’t encounter an error.

 

 

Response

As with a standard payment, you will need to decode the JWT returned and check the fields contain the correct information in regards to subscription timing and amount, and in particular, that the transactionactive field contains the value you are expecting.

 

The response is divided into two parts:

 

{"iat":1561549076,"payload":{"requestreference":"A0dcb11e6","version":"1.00","response":[{"transactionstartedtimestamp":"2017-09-27 15:11:14","livestatus":"0","issuer":"SecureTrading Test Issuer1","splitfinalnumber":"1","dccenabled":"0","settleduedate":"2017-09-27","errorcode":"0","baseamount":"1050","tid":"27882788","merchantnumber":"00000000","merchantcountryiso2a":"GB","transactionreference":"1-2-345678","merchantname":"Test Merchant","paymenttypedescription":"VISA","orderreference":"My_Order_123","accounttypedescription":"ECOM","acquirerresponsecode":"00","requesttypedescription":"ACCOUNTCHECK","securityresponsesecuritycode":"2","currencyiso3a":"GBP","authcode":"TEST50","errormessage":"Ok","operatorname":"[email protected]","securityresponsepostcode":"0","maskedpan":"411111######1111","securityresponseaddress":"0","issuercountryiso2a":"US","credentialsonfile":"1","settlestatus":"0"},{"transactionstartedtimestamp":"2020-01-01 00:00:00","parenttransactionreference":"23-9-80025","livestatus":"0","errorcode":"0","orderreference":"My_Order_123","subscriptionfinalnumber":"12","subscriptionunit":"MONTH","transactionreference":"1-2-345679","paymenttypedescription":"VISA","transactionactive":"2","baseamount":"1050","subscriptiontype":"RECURRING","accounttypedescription":"RECUR","requesttypedescription":"SUBSCRIPTION","currencyiso3a":"GBP","subscriptionbegindate":"2020-01-01","maskedpan":"411111######1111","errormessage":"Ok","subscriptionnumber":"2","subscriptionfrequency":"1","operatorname":"[email protected]"}],"secrand":"PAGPFy57L"}}

 

 

2. Subscription is active

 

Start of the automated payments

The first automated payment will be processed as follows:

 

Keeping track of your subscriptions

 

 

 

 

Updating the subscription

You can perform updates to active subscriptions in order to change customer’s details, or to cancel/modify the subscription payments. There are two ways to do this:

 

 

 

 

3. Finishing the subscription

Subscriptions can enter either one of these two states:

 

Number of payments exceeded

Once the subscriptionnumber exceeds the subscriptionfinalnumber, our subscription engine will stop processing subscription payments indefinitely.

If you do not need to process further payments from the customer, you do not need to take further action.

If you wish to resume/extend a subscription, you can update the subscriptionfinalnumber to a greater value. You can do this by using MyST, or by submitting a TRANSACTIONUPDATE request. With this update complete, payments will resume processing at their original intervals. If payments have been missed while the subscription payments were not being processed, our subscription engine will catch up with missed payments within 24 hours.

 

Subscription continues indefinitely

If the original request was submitted with subscriptionfinalnumber set to “0”, we will continue to process payments indefinitely until you manually deactivate the subscription.

If you wish to deactivate the subscription, you can do so by updating the transactionactive field to be “0”. You can do this by using MyST, or by submitting a TRANSACTIONUPDATE request (you can re-enable a subscription at a later time, if needed).