Subscriptions
Quick Reference
WhatRecurring credit card billing
WhyAutomate billing cycles — A55-managed or merchant-controlled
DifficultyIntermediate
PrerequisitesAuthentication → Create charge
A55 supports recurring payments through a subscription object on the charge request. Choose A55-managed (internal) or merchant-driven (external) recurrence. Only single-installment charges are supported.
Why subscriptions
| Benefit | Detail |
|---|---|
| Recurring revenue | Automate collection on predictable cycles |
| Flexible cycles | Weekly, biweekly, monthly, quarterly, semiannual, or annual |
| CIT/MIT compliance | Proper scheme indicators for merchant-initiated transactions |
| Three card input modes | Raw PAN, A55 token, or DPAN with cryptogram |
| Webhook notifications | Events for billing attempts, successes, and failures |
Recurrence models
| Model | Manager | Best for |
|---|---|---|
| Internal | A55 schedules and executes charges | SaaS, memberships, simple billing |
| External | Merchant triggers each charge via API | Usage-based, metered, conditional billing |
Internal recurrence
Cycles: weekly (7d) | biweekly (14d) | monthly (30d) | quarterly (90d) | semiannual (180d) | annual (365d).
POST https://sandbox.api.a55.tech/api/v1/bank/charge/
{
"amount": 4990, "currency": "BRL",
"card_number": "4111111111111111", "expiry_month": "12", "expiry_year": "2027",
"cvv": "123", "holder_name": "Jane Doe",
"subscription": { "billing_cycle": "monthly", "end_date": "2026-12-31" }
}
External recurrence
| Indicator | Meaning | When to use |
|---|---|---|
cit | Customer-initiated | First payment — customer present |
mit | Merchant-initiated | Subsequent charges — customer absent |
- Raw PAN
- A55 Token
- DPAN + Cryptogram
{ "card_number": "4111111111111111", "expiry_month": "12", "expiry_year": "2027", "cvv": "123", "recurrence_indicator": "cit" }
{ "card_token": "tok_a55_7f3c2d1e", "recurrence_indicator": "cit" }
{ "dpan": "4000000000001234", "cryptogram": "AgAAAAAABk4...", "eci": "05", "recurrence_indicator": "cit" }
Subsequent MIT charges reference the original:
{ "card_token": "tok_a55_7f3c2d1e", "recurrence_indicator": "mit", "original_charge_uuid": "chg_abc123" }
Subscription status lifecycle
| Status | Description |
|---|---|
pending | First charge not yet attempted |
active | Charges executing on schedule |
error | Last charge failed — retrying |
cancelled | No further charges |
expired | End date reached |
Manage subscriptions
GET https://sandbox.api.a55.tech/api/v1/bank/subscription/{subscription_uuid}/ returns current status and next charge date.
DELETE the same path to cancel. Response includes cancelled_at timestamp.
GET response
{ "uuid": "sub_xyz789", "status": "active", "billing_cycle": "monthly", "next_charge_date": "2026-04-15" }
Cancellation refunds
Cancelling does not refund processed charges. Any mid-processing charge completes before cancellation takes effect.