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They are "special" but they also aren't.

There are numerous flags you can put on a transaction to hint things like "This is a recurring charge." "This is a merchant initiated charge." "This was placed with a card that the merchant recorded as part of transaction 123456789". Much of this is used from a fraud-management perspective (for example, a recurring transaction usually won't have a CVV or 3-D Secure information because the customer is not involved in the transaction flow), not to control recurring behaviour.

However, it's not a singular entity-- each individual payment is still a free-standing operation and could usually succeed without any of those flags.

Some countries have stronger requirements. India seems forward looking, where there are specific regulations to tie installments to an explicit confirmation on a per-installment basis.



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