🔄 CIT & MIT

Definition

In payment processing, transactions are categorized as either Client Initiated Transactions (CIT) or Merchant Initiated Transactions (MIT).

• CIT (Client Initiated Transaction): A transaction triggered by the customer, where they actively provide their payment details and authenticate the transaction (e.g., entering a card number and confirming with 3D Secure).
• MIT (Merchant Initiated Transaction): A transaction initiated by the merchant, based on a prior agreement with the customer, without direct interaction at the time of payment (e.g., a recurring subscription or delayed charge).

- Key Differences:

Feature	CIT (Client-Initiated)	MIT (Merchant-Initiated)
User Interaction	Required	Not required
Authentication	Strong authentication Required	Based on prior agreement
Use Cases	Online purchases, POS transactions	Subscriptions, delayed charges