Dunning for the Win: Merchant Initiated Transactions and PSD2

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compliance dunning PSD2 MITs SCA

Much of our previous content, such as our most recent PSD2 blog and our SCA Integration Guide, has focused on Customer Initiated Transactions (CITs), which occur when the customer is “in-session” or otherwise present during the transaction flow. In the subscription commerce world, CIT comes into play when someone first signs up for a subscription and provides their payment information. Similarly, a subscriber may decide, at a later date, to modify the payment information associated with their existing subscription. In both of these cases, the subscriber is available to complete any authentication challenges that might be requested by their card issuer in conjunction with Strong Customer Authentication (SCA) requirements.

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