Introduction to Credentialed Transactions {#credentials-intro}
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Credentialed transactions are transactions that involve either storing a customer's payment credentials for future transactions or using a customer's already stored payment credentials. When processing a credentialed transaction, you must indicate the type of credentialed transaction and the reason for the transaction. Credentialed transactions are also known as *credential-on-file* (COF) transactions.  
There are several types of credentialed transactions:

* **Customer-Initiated Transactions (CITs):** Any transaction a customer is actively participating in such as making a card-present payment, completing an online checkout, or by using a stored credential. CIT transactions can store of the customer's credentials in your system for future CITs or merchant-initiated transactions.
* **Merchant-Initiated Transactions (MITs):** Any transaction a merchant initiates without the customer's participation such as an industry practice transaction or a standing instruction transaction.
  * **Industry Practice Transactions:** MITs that are performed as subsequent transactions to a CIT because the initial transaction could not be completed in one transaction. Not every industry practice transaction involves a stored credential. If a stored credential is used only for one transaction, that transaction is not considered a credentialed transaction.
  * **Standing Instruction Transactions:** MITs that are performed to follow agreed-upon instructions from the customer for the provision of goods and services.

Supported Services
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These are the supported merchant-initiated services:
* Delayed Authorization
* Mastercard Standing Order Transactions
* Mastercard Subscription Transactions
* No-Show Transactions
* Reauthorization
* Recurring Transactions
* Resubmission
* Unscheduled Credentials-on-File Transactions  
  The service determines the reason for the credentialed transaction.