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This document provides implementation guidelines for partners and merchants using Payrix API to process Card-On-File transactions directly. A separate guide exists for partners and merchants using Payrix recurring billing engine to process Card-On-File transactions (/wiki/spaces/PE/pages/854622244 ).
A Card-On-File transaction (also called credential on file) is defined as a transaction initiated either by a cardholder or a merchant (or merchant’s system) using a Primary Account Number (PAN) previously stored, excluding scenarios where credentials are stored solely for the purpose of completing a single transaction (i.e., storing PAN with transaction for the purpose of refund or storing PAN for the purpose of processing incremental charges on a hotel portfolio).
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