---
title: "Subsequent merchant initiated transaction"
slug: "subsequent-merchant-initiated-transaction"
description: "subsequent merchant initiated transaction"
updated: 2026-07-08T03:13:10Z
published: 2026-07-08T03:13:10Z
canonical: "docs.xendit.co/subsequent-merchant-initiated-transaction"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xendit.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Subsequent merchant initiated transaction

### Charge a Saved Card (Unscheduled)

Use [this endpoint](https://docs.xendit.co/apidocs/create-payment-request) to charge a customer's stored card for off-session, merchant-initiated events where the billing schedule is unpredictable.

Request - POST `/v3/payment_requests`

```json
{
  "reference_id": "unscheduled_payment_123460",
  "payment_token_id": "pt-90392f42-d98a-49ef-a7f3-abcezas123",
  "type": "PAY",
  "country": "ID",
  "currency": "IDR",
  "request_amount": 500000,
  "capture_method": "AUTOMATIC",
  "channel_properties": {
    "card_on_file_type": "MERCHANT_UNSCHEDULED",
    "failure_return_url": "https://xendit.co/failure",
    "success_return_url": "https://xendit.co/success",
    "transaction_sequence": "SUBSEQUENT"
  },
  "description": "Unscheduled transaction"
}
```

### When to use this

- **Account Top-ups:** Automatically adding funds when a user's wallet balance drops below a threshold.
- **Metered/Usage Billing:** Charging at the end of a cycle based on consumption (e.g., cloud hosting, utilities).
- **Incidentals & Overages:** Charging for post-service fees (e.g., car rental late fees, hotel room service).

#### Key parameters:

- `card_on_file_type: "MERCHANT_UNSCHEDULED"`

Signals to the card networks that this charge is triggered by your business logic rather than a fixed calendar subscription.
- `transaction_sequence: "SUBSEQUENT"`

Links this payment to the original customer-authenticated transaction. This ensures higher authorization success rates and bypasses interactive 3DS challenges while the customer is offline.

## Charge a saved card (recurring)

Use this configuration to charge a customer's stored card for predictable, fixed-interval billing cycles.

Request - POST `/v3/payment_requests`

```json
{
  "reference_id": "subscription_payment_987654",
  "payment_token_id": "pt-90392f42-d98a-49ef-a7f3-abcezas123",
  "type": "PAY",
  "country": "ID",
  "currency": "IDR",
  "request_amount": 500000,
  "capture_method": "AUTOMATIC",
  "channel_properties": {
    "card_on_file_type": "RECURRING",
    "transaction_sequence": "SUBSEQUENT",
    "failure_return_url": "https://xendit.co/failure",
    "success_return_url": "https://xendit.co/success"
  },
  "description": "Monthly subscription renewal"
}
```