{"id":16364,"date":"2024-03-20T09:16:17","date_gmt":"2024-03-20T08:16:17","guid":{"rendered":"https:\/\/docs.centralpay.com\/documentation\/card-transaction\/recurring-card-transaction\/"},"modified":"2026-08-20T17:09:08","modified_gmt":"2026-08-20T15:09:08","slug":"recurring-card-transaction","status":"publish","type":"docs","link":"https:\/\/docs.centralpay.com\/en\/documentation\/card-transaction\/recurring-card-transaction\/","title":{"rendered":"Recurring card transaction"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Depending on your business needs, CentralPay offers several recurring transaction modes: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Subscription from a subscription template<\/strong><br \/>CentralPay manages the collection of instalments based on a subscription template that you defined in advance.<\/li>\n\n\n\n<li><strong>API-driven subscription<\/strong><br \/>You manage the collection of each instalment yourself via API (initial BRW authentication, then 3RI), without using CentralPay\u2019s automated subscription service.<\/li>\n\n\n\n<li><strong>Installment payment<\/strong><br \/>CentralPay splits an amount due into several transactions and manages their collection, according to the payment terms you provided.<\/li>\n<\/ul>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">Please note: you must first manage the collection of your customer\u2019s card data by creating a <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/card-transaction\/custom-payment-form\/\">Custom Form payment form<\/a>, create a <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/merchant-accounts-and-sales-channels\/customer-profiles\/\">Customer profile<\/a> for this customer, and implement the <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/card-transaction\/3ds-2-0-authentication\/\">3DS 2.2 authentication<\/a> principles.<\/p>\n\n<p class=\"wp-block-paragraph\">The basic principles of a card transaction are described in the <a href=\"https:\/\/docs.centralpay.com\/documentation\/en\/documentation\/transaction-par-carte\/informations-generales\/\">general information<\/a> section.<\/p>\n\n<p class=\"wp-block-paragraph\">For a recurring payment, your customer automatically receives an email containing the details of their instalments. This email also includes a link to our <a href=\"https:\/\/docs.centralpay.com\/documentation\/informations-generales\/portail-client\/\">Customer Portal<\/a>, which allows them to view the status of their recurring payments, change their bank card, and cancel a subscription if needed. <\/p>\n\n<h2 class=\"wp-block-heading\">1. Subscription from a subscription template<\/h2>\n\n<h3 class=\"wp-block-heading\">1.1. Creation<\/h3>\n\n<p class=\"wp-block-paragraph\">You must first: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Create a <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/card-transaction\/custom-payment-form\/\">Custom Form payment form<\/a><\/li>\n\n\n\n<li>Create a <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/customer\/\">Customer<\/a> containing at least one <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/card-payment\/card\/\">Card<\/a><\/li>\n\n\n\n<li>And perform a <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/3ds-2-2-authentication\/transaction-initiated-by-the-holder-cit-brw\/\">3DS 2.2 BRW authentication<\/a><\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Then, the <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/recurring-payments\/subscription\/\">subscription service (Subscription)<\/a> will allow you to easily initiate a subscription payment based on a subscription template created in advance via the CentralPay API or the Merchant Portal.<\/p>\n\n<h3 class=\"wp-block-heading\">1.2. Specific integration cases<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>If the first subscription payment must be higher than the following instalments (e.g., registration fees), you can first initiate a <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/card-payment\/transaction\/\">Transaction<\/a> following your 3DS BRW authentication, then set a start date (startingDate) in the <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/subscription\/subscription\/\">Subscription<\/a> object.<\/li>\n\n\n\n<li>If you simply want to start a subscription on a specific date, you can first perform a <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/card-transaction\/card-transaction\/#4-v%C3%A9rification-carte-empreinte-s%C3%A9curis%C3%A9e\">verified card imprint<\/a> following your 3DS BRW authentication, then set a start date (startingDate) in the <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/subscription\/subscription\/\">Subscription<\/a> object.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">2. API-driven subscription<\/h2>\n\n<h3 class=\"wp-block-heading\">2.1. Creation<\/h3>\n\n<p class=\"wp-block-paragraph\">You must first:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Create a <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/card-transaction\/custom-payment-form\/\">Custom Form payment form<\/a><\/li>\n\n\n\n<li>Create a <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/customer\/\">Customer<\/a> containing at least one Card<\/li>\n\n\n\n<li>Perform a <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/3ds-2-2-authentication\/transaction-initiated-by-the-holder-cit-brw\/\">3DS 2.2 BRW authentication<\/a><\/li>\n\n\n\n<li>Perform an initial <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/card-payment\/transaction\/\">Transaction<\/a><\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Then, you will be able to initiate the next Transactions yourself using <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/3ds-2-2-authentication\/transaction-initiated-by-the-holder-cit-brw\/\" id=\"https:\/\/docs.centralpay.com\/documentation\/documentation\/authentification-3ds-2-2\/3ds-2-2-3ri\/\">3DS 3RI authentication<\/a>.<\/p>\n\n<h3 class=\"wp-block-heading\">2.2. Important information<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>To ensure an optimal conversion rate, the amount of the first transaction must be greater than or equal to the amounts of subsequent transactions performed with 3DS 3RI authentication.<\/li>\n\n\n\n<li>The CentralPay platform will not consider the generated transactions as &#8220;subscriptions&#8221;; therefore, the &#8220;Merchant Portal&#8221; and &#8220;Customer Portal&#8221; interfaces will display these operations in the same way as a succession of one-off transactions.<\/li>\n\n\n\n<li>With this model, the retry automation system will not apply if the collection of one of your transactions fails.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">3. Installment payment<\/h2>\n\n<h3 class=\"wp-block-heading\">3.1. Creation<\/h3>\n\n<p class=\"wp-block-paragraph\">You must first: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Create a <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/card-transaction\/custom-payment-form\/\">Custom Form payment form<\/a><\/li>\n\n\n\n<li>Create a <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/customer\/\">Customer<\/a> containing at least one Card<\/li>\n\n\n\n<li>And perform a <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/3ds-2-2-authentication\/transaction-initiated-by-the-holder-cit-brw\/\">3DS 2.2 BRW authentication<\/a><\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Then, the <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/recurring-payments\/installment\/\">installment payment service (Installment)<\/a> will allow you to easily initiate an installment payment based on the information provided in your request. <\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Depending on your business needs, CentralPay offers several recurring transaction modes: Please note: you must first manage the collection of your customer\u2019s card data by creating a Custom Form payment form, create a Customer profile for this customer, and implement the 3DS 2.2 authentication principles. The basic principles of a card transaction are described in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":16345,"menu_order":5,"comment_status":"open","ping_status":"closed","template":"","doc_tag":[],"doc_badge":[139],"class_list":["post-16364","docs","type-docs","status-publish","hentry","doc_badge-transaction","no-post-thumbnail"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Recurring card transaction - CentralPay Documentation<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/docs.centralpay.com\/en\/documentation\/card-transaction\/recurring-card-transaction\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Recurring card transaction - CentralPay Documentation\" \/>\n<meta property=\"og:description\" content=\"Depending on your business needs, CentralPay offers several recurring transaction modes: Please note: you must first manage the collection of your customer\u2019s card data by creating a Custom Form payment form, create a Customer profile for this customer, and implement the 3DS 2.2 authentication principles. 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