Business model Transaction type Shopper Interaction Stored Credential Contract Stored Credential Processing Model Online purchase with shopper present One-off online purchase without storing card payment details for future use. ECOMMERCEOnline 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. ECOMMERCECREDENTIAL_ON_FILEOnline purchase with shopper present Online purchase where shopper uses previously stored card payment details. ECOMMERCEONE_CLICKCREDENTIAL_ON_FILESubscriptions Initial transaction to sign up for a subscription. ECOMMERCERECURRINGSubscriptions Subsequent subscription charge. ECOMMERCEMERCHANT_INITIATEDRECURRINGNon-fixed in time contracts (such as auto account top-ups) Initial transaction to sign up for the terms and conditions of later subsequent charges. ECOMMERCEUNSCHEDULED_CREDENTIAL_ON_FILENon-fixed in time contracts (such as auto account top-ups) Subsequent charges as described in the initial terms and conditions during the sign-up transaction. ECOMMERCEMERCHANT_INITIATEDUNSCHEDULED_CREDENTIAL_ON_FILE
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