| Business model | Transaction type | Shopper Interaction | Stored Credential Contract | Token Preference or Reference | Stored Credential Request Type | Stored Credential Processing Model |
|---|
| Online purchase with shopper present | One-off online purchase without | | | | | |
| Storing card payment details for future use. | ECOMMERCE | | | | | |
| Online purchase with shopper present | Online purchase where shopper agrees to store card details for future use. This can be a zero-value transaction account verification. | ECOMMERCE | | REUSE | SIGNUP | NONE |
| Subscriptions | Initial transaction to sign up for a subscription. | ECOMMERCE | | REUSE or reuse_token | SIGNUP | RECURRING |
| Non-fixed in time contracts (such as auto account top-ups) | Initial transaction to sign up for the terms and conditions of later subsequent charges. | ECOMMERCE | | REUSE | SIGNUP | NONE |
📘To initiate a transaction with reference to previously stored credentials ( CHARGE ) use /v2/transactions/card endpoint instead.
