Merchant Initiated Transactions (MIT) are transactions initiated by the business, without the customer's payment order but with their mandate. This form of payment applies to a small number of cases, including bills, subscriptions, digital services, digital wallet top-ups, and the fact that they are initiated in the absence of the buyer makes MITs fall into the payment categories that are exempted from the application of the SCA. In view of the integration, it is good to consider that MITs follow three operating principles:

to start an MIT, the merchant must have been previously authorized by the buyer.
The first MIT transaction will still need to be authenticated through the SCA.
MIT's first in the series transaction must be authenticated

To learn more about the integration of this type of transaction, you can visit the Recurring Payments (MIT) page.

M.O.T.O. transactions

Authentication only