Transaction Initiator Indicator

For Mastercard transactions, to comply with the Data Integrity Control Program for Cardholder-Initiated and Merchant-Initiated Transaction Indicators, an indicator is sent to the network. The application will calculate this indicator automatically, but if a specific value is needed, it can be sent as an additional value.

Indicator	Description	Example
`CARDHOLDER_COF`	The consumer agrees to store the card on file with the merchant for future transactions or chooses to use a previously stored card for a purchase.	A consumer makes a purchase, and the merchant requests the consumer to store the credential on file for future cardholder-initiated purchases.
`CARDHOLDER_RECURRING_VARIABLE_AMOUNT`	The consumer agrees to store the card on file and performs an initial transaction in a series intended to be of variable amount and fixed frequency.	The initial transaction to store the credential on file for monthly utility payments.
`CARDHOLDER_RECURRING_FIXED_AMOUNT`	The consumer agrees to store the credential on file and performs an initial transaction in a series intended to be of a fixed amount and fixed frequency.	The initial transaction to store the credential on file for a monthly payment.
`CARDHOLDER_WITH_INSTALLMENTS`	The consumer agrees to store the credential on file to establish an installment plan and initiates the first transaction in a series. The installment plan should reflect the one-time purchase of goods/services with a known amount and a set frequency over a specified duration.	The initial transaction to store the credential on file for a purchase to be paid in installments financed by the merchant. For Colombia, this must only be sent in cases where financing is provided by the merchant.
`MERCHANT_COF`	A transaction performed under an agreement between a cardholder and a merchant, where the cardholder authorizes the merchant to store and use the cardholder’s account data to initiate one or more future transactions. The transaction may be of a fixed or variable amount but does not occur at regular intervals on a scheduled date.	A consumer agrees to allow a merchant to perform transactions when the balance in the consumer’s account with the merchant falls below a set amount (auto-reload).
`MERCHANT_RECURRING_VARIABLE_AMOUNT`	A transaction performed under an agreement between a cardholder and a merchant, where the merchant uses the cardholder’s account data for a transaction that must occur at regularly scheduled intervals for a variable amount, as specified in the agreement.	Automatic monthly utility payments.
`MERCHANT_RECURRING_FIXED_AMOUNT`	A transaction performed under an agreement between a cardholder and a merchant, where the merchant uses the cardholder’s account data for a transaction that must occur at regularly scheduled intervals for a fixed amount, as specified in the agreement. The subscription agreement may include provisions for introductory pricing or occasional price changes.	Monthly subscription payment or fixed monthly service fee.
`MERCHANT_WITH_INSTALLMENTS`	A transaction in a series performed under an agreement between a cardholder and a merchant, where the cardholder authorizes the merchant to store the cardholder’s account data so the merchant can initiate one or more future transactions for a known amount over a specified duration, based on a single purchase.	A TV is purchased for 1,000 USD and paid in four equal installments of 250 USD each (the first transaction is sent with `CARDHOLDER_WITH_INSTALLMENTS`, and the remaining three transactions are sent with `MERCHANT_WITH_INSTALLMENTS`). For Colombia, this must only be sent in cases where financing is provided by the merchant.