# Authorize using card on file, no verification

Use our card on file authorize resource when your customer is initiating a payment using stored card details (without verifying their account first)

Endpoint: POST /payments/authorizations/migrateCardOnFile
Version: 6
Security: BasicAuth

## Header parameters:

  - `Content-Type` (string, required)
    Example: "application/vnd.worldpay.payments-v6+json"

  - `Accept` (string)
    Example: "application/vnd.worldpay.payments-v6.hal+json"

## Request fields (application/vnd.worldpay.payments-v6+json):

  - `instruction` (object, required)
    An object that contains all information related to the payment.

  - `instruction.narrative` (object, required)
    The text that appears on your customer's statement. Used to identify the merchant.

  - `instruction.narrative.line1` (string, required)
    The first line of the narrative which appears on your customer's statement (24 characters max. If character is not supported it is replaced with a space).

  - `instruction.narrative.line2` (string)
    Additional details about the payment e.g. order number, telephone number.

  - `instruction.paymentInstrument` (object, required)

  - `instruction.value` (object, required)
    An object that contains information about the value of the payment.

  - `instruction.value.amount` (integer, required)
    The payment amount. This is a whole number with an exponent e.g. if exponent is two, 250 is 2.50.

  - `instruction.value.currency` (string, required)
    The three digit currency code.

  - `instruction.debtRepayment` (boolean)
    DRI is a flag which identifies a payment as being for the purpose of repaying a debt.

  - `instruction.intent` (string)
    A parameter detailing the reason for this particular card on file agreement.
    Enum: "instalment", "subscription"

  - `instruction.scheme` (object)

  - `instruction.scheme.reference` (string, required)

  - `merchant` (object, required)
    An object that contains information about the merchant.

  - `merchant.entity` (string, required)
    Direct your payment to assist with billing, reporting and reconciliation. This is mandatory for authentication and queries.

  - `merchant.mcc` (string)
    You can apply a merchant category code mcc to an individual request. You can only provide an mcc if we have enabled the dynamic mcc feature during boarding. If enabled but not provided, merchant.mcc defaults to a configured value.

  - `merchant.paymentFacilitator` (object)
    An object containing Payment Facilitator information. This information is required for every authorization only if you are a Payment Facilitator.

  - `merchant.paymentFacilitator.pfId` (string, required)

  - `merchant.paymentFacilitator.subMerchant` (object, required)

  - `merchant.paymentFacilitator.subMerchant.city` (string, required)

  - `merchant.paymentFacilitator.subMerchant.name` (string, required)

  - `merchant.paymentFacilitator.subMerchant.postalCode` (string, required)

  - `merchant.paymentFacilitator.subMerchant.merchantId` (string, required)

  - `merchant.paymentFacilitator.subMerchant.countryCode` (string, required)

  - `merchant.paymentFacilitator.subMerchant.street` (string, required)

  - `merchant.paymentFacilitator.subMerchant.telephone` (string)

  - `merchant.paymentFacilitator.subMerchant.taxId` (string)

  - `merchant.paymentFacilitator.subMerchant.email` (string)

  - `merchant.paymentFacilitator.subMerchant.state` (string)

  - `merchant.paymentFacilitator.isoId` (string)

  - `transactionReference` (string, required)
    A unique reference generated by you that is used to identify a payment throughout its lifecycle.

  - `channel` (string)
    The payment channel indicates the interaction of the cardholder with the merchant. Supply a value of moto to process an authorization as a Mail Order or Telephone Order (MOTO) transaction. If channel is not provided, the authorization will be processed as ecommerce by default
    Enum: "moto"

  - `customer` (object)
    An object that contains riskProfile and authentication of the customer.

  - `customer.riskProfile` (string)

  - `customer.authentication` (any)
    An object containing 3DS or Network Token authentication of the customer