{"id":10332,"date":"2025-08-06T17:37:27","date_gmt":"2025-08-06T15:37:27","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/credential-on-file-cof\/"},"modified":"2026-01-21T09:59:56","modified_gmt":"2026-01-21T08:59:56","slug":"credential-on-file-cof","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/ro\/glosar\/credential-on-file-cof\/","title":{"rendered":"Credential On File (COF)"},"content":{"rendered":"<h2 data-start=\"3656\" data-end=\"3971\"><span class=\"ez-toc-section\" id=\"Ce_este_o_operatiune_Credential_On_File_COF\"><\/span><strong data-start=\"3656\" data-end=\"3706\">Ce este o opera\u021biune Credential On File (COF)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3656\" data-end=\"3971\">O opera\u021biune <strong data-start=\"3722\" data-end=\"3750\">Credential On File (COF)<\/strong> este o <a href=\"https:\/\/paynopain.com\/ro\/glosar\/tranzactie\/\"><strong>tranzac\u021bie<\/strong><\/a> \u00een care comerciantul utilizeaz\u0103 informa\u021biile de plat\u0103 ale unui client stocate anterior, deoarece titularul cardului a autorizat \u00een mod expres stocarea \u0219i utilizarea acestora pentru achizi\u021bii viitoare.<\/p>\n<h2 data-start=\"3973\" data-end=\"4250\"><span class=\"ez-toc-section\" id=\"Cum_functioneaza_o_COF\"><\/span><strong data-start=\"3973\" data-end=\"4000\">Cum func\u021bioneaz\u0103 o COF?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3973\" data-end=\"4250\">Datele cardului (de exemplu, num\u0103rul sau <a href=\"https:\/\/paynopain.com\/ro\/glosar\/token\/\">token<\/a>-ul) sunt stocate dup\u0103 ce clientul le furnizeaz\u0103 \u00eentr-o tranzac\u021bie ini\u021bial\u0103. Comercian\u021bii pot reutiliza aceste date pentru achizi\u021bii ulterioare <strong>f\u0103r\u0103 ca clientul s\u0103 fie nevoit s\u0103 le introduc\u0103 din nou<\/strong>.<\/p>\n<p data-start=\"4252\" data-end=\"4302\">Exist\u0103 dou\u0103 tipuri principale de tranzac\u021bii COF:<\/p>\n<ul data-start=\"4303\" data-end=\"4644\">\n<li data-start=\"4303\" data-end=\"4450\">\n<p data-start=\"4305\" data-end=\"4450\"><strong data-start=\"4305\" data-end=\"4346\">CIT (Customer Initiated Transaction):<\/strong> Tranzac\u021bii <strong>ini\u021biate de titularul cardului<\/strong>. Clientul autorizeaz\u0103 direct plata folosind datele stocate.<\/p>\n<\/li>\n<li data-start=\"4451\" data-end=\"4644\">\n<p data-start=\"4453\" data-end=\"4644\"><strong data-start=\"4453\" data-end=\"4494\">MIT (Merchant Initiated Transaction):<\/strong> Tranzac\u021bii<strong> ini\u021biate de comerciant<\/strong>. Comerciantul proceseaz\u0103 plata pe baza unui acord prealabil cu clientul, cum ar fi <a href=\"https:\/\/paynopain.com\/ro\/solutie\/abonamente\/\"><strong>abonamente<\/strong><\/a> sau pl\u0103\u021bi automate.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"4646\" data-end=\"4868\"><span class=\"ez-toc-section\" id=\"De_ce_sunt_importante_tranzactiile_COF\"><\/span><strong data-start=\"4646\" data-end=\"4689\">De ce sunt importante tranzac\u021biile COF?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4646\" data-end=\"4868\">Identificarea corect\u0103 a tranzac\u021biilor COF este esen\u021bial\u0103 \u00een <strong>cadrul reglement\u0103rilor <a href=\"https:\/\/paynopain.com\/ro\/glosar\/psd2\/\">PSD2<\/a><\/strong>, deoarece la pl\u0103\u021bile ini\u021biate de comerciant, titularul nu se autentific\u0103 \u00een timp real.<\/p>\n<p data-start=\"4870\" data-end=\"5123\">Din acest motiv, trebuie aplicate protocoale de securitate specifice pentru a proteja tranzac\u021bia. Dac\u0103 tranzac\u021biile nu sunt marcate corect ca COF, acestea pot fi <strong>refuzate de c\u0103tre emitent<\/strong>, afect\u00e2nd experien\u021ba clientului \u0219i opera\u021biunile comerciantului.<\/p>\n<p data-start=\"5125\" data-end=\"5334\">Un exemplu comun de acest tip de tranzac\u021bie este un <strong>abonament lunar<\/strong> la un serviciu de streaming, \u00een care comerciantul stocheaz\u0103 \u00een siguran\u021b\u0103 datele cardului pentru a efectua pl\u0103\u021bile automate \u00een fiecare lun\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ce este o opera\u021biune COF?<br \/>\nEste o tranzac\u021bie \u00een care comerciantul folose\u0219te datele cardului autorizate anterior de titular.<\/p>\n","protected":false},"featured_media":9075,"template":"","meta":{"_acf_changed":false},"class_list":["post-10332","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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