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"Credential-on-File"

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HSM & Security

What is a transaction performed with stored card data (Credential-on-File)?

Non-face-to-face transactions in which the cardholder authorizes the merchant to store card data, and the merchant uses that stored data to carry out the transaction, are called Credential-on-File (CoF) transactions.

February 28, 2021

Security

What is the First Credential-On-File transaction?

The first transaction made after a customer's card data is stored with a merchant is called the First Credential-On-File transaction. BKM expects it to be flagged with the value "C" in switch message field DE48.PDS86, and BRSA draft rules govern how card data may be stored.

February 28, 2021