TL;DR: Choose “internet” for electronic consent obtained via web or mobile apps. Choose “signed” for signed agreements, including e-signatures like DocuSign, obtained before initiating payments.
Note: If you’re a B2B company that holds signed contracts, even though you may submit payments via the web portal or payment app, you would select “Contract”.
Note: If you’re a B2B company that holds signed contracts, even though you may submit payments via the web portal or payment app, you would select “Contract”.
Authorization use cases
Authorization Use Case | Consent Method to Select |
---|---|
Business to Business contract | signed |
Business to Consumer contract | signed |
Web Authorization via payment portal or mobile application | internet |
You can select both
signed
and internet
options if your business uses multiple consent methods.Internet consent
Select this option if you collect electronic consent through a web portal or mobile application.Examples
- Customers agree to terms by clicking a “checkbox” agreeing to electronic consent
- Users authorize payments within your mobile app
- Consent is given through an online form submission
Key considerations
- Typically used for digital-first businesses
- Suitable for recurring payments set up online
- Must comply with electronic consent regulations and WEB SEC code requirements
Signed consent
Select this option if you obtain a signed agreement from your customer before initiating a payment; this includes electronic signatures.Examples
- B2B or B2C contracts signed in person or E-signature services like DocuSign, Adobe sign, etc (relates to PPD or CCD SEC codes)
- Emailed agreements returned with a digital signature
Key considerations
- Often used for high-value or long-term agreements
- Use this option for business-to-business transactions (see CCD entries for B2B requirements)