Stored credentials - Submitting a stored credential transaction

When you submit a stored credential transaction, you must submit additional information to Worldpay.

The information will be different, depending on whether the transaction is:

  • An initial transaction where you store a card number or token for future purchases, or
  • A subsequent transaction using stored information for future purchases
    • If the cardholder initiates the transaction, you will need to submit a cardholder initiated indicator
    • If you are initiating the transaction (i.e. a merchant initiated transaction), you will need to submit a merchant initiated indicator and a specific transaction reason code


For technical guidance on how to submit stored credential transactions to our gateways, please see the following documentation:
Stored credentials transaction guide (includes XML Direct, Pay as Order, and Tokenisation)


For additional information on stored credentials see the articles:
Stored credentials transactions
Stored credentials - Amending or cancelling a consent agreement
Stored credentials - Stored credentials flow