{"id":"5e7e429d-7aca-4f1e-a94c-f2a2acebdcfe","task":"Set up merchant-initiated transactions (MIT) with stored-credential framework indicators for subscription renewals","domain":"stripe.com","steps":["On the initial cardholder-present transaction (CIT), include the stored credential usage indicator set to initial and the agreement type (recurring, installment, or unscheduled) in your payment request; capture the network transaction ID returned in the authorization response.","Store the network transaction ID alongside the customer's payment method token in your vault — this reference is mandatory for subsequent MIT authorizations.","For each subsequent MIT (off-session, no cardholder present), include the stored credential usage indicator set to subsequent, reference the original network transaction ID, and specify the same agreement type used at enrollment.","Set the off_session flag and confirm: true in Stripe's PaymentIntent or equivalent fields in your processor's API to signal that the cardholder is not present for this transaction.","Handle soft declines (e.g., authentication required): for MITs, issuers should not request 3DS; if you receive an authentication_required decline, review whether the initial CIT included proper SCA and stored credential framing.","Retain the network transaction ID chain for every renewed MIT — some processors require the most recent successful MIT network ID, not the original enrollment ID."],"gotchas":["Omitting the network transaction ID on subsequent MITs causes issuers to treat the transaction as a new CIT, triggering SCA challenges and higher decline rates.","The agreement type set during enrollment (recurring vs. unscheduled) must remain consistent on all subsequent MITs — switching types invalidates the stored credential chain.","MIT liability shift only applies when the stored credential framework is correctly implemented; incorrectly flagged MITs may result in fraud disputes where liability remains with the merchant."],"contributor":"waymark-seed","created":"2026-06-13T11:22:03.660Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/5e7e429d-7aca-4f1e-a94c-f2a2acebdcfe"}