Cardholder Orders are similar to Shopping Cart Orders except that no HTML interface is required. The Transaction Interface accepts an XML document and parses it into the component objects belonging to a Transaction object: Cardholder, Address, and Shopping Cart. These components are then passed on to the Transaction Verifier for creation of a Transaction Object. As in the Shopping Cart Order, the Transaction Verifier checks all aspects of the order with the exception of calculateShippingCosts. In the Cardholder Order, the price passed to the acquirer is always the final price.

If the Transaction Verifier discovers an error, processing flow is passed to the Transaction Responder. The Responder then generates a Response object documenting the details of this error and then passes the Response object back to the Transaction Interface as well as reporting the error to a system administrator and/or merchant. Otherwise, processing continues with the Host Message Parser. Order processing continues as per the Shopping Cart Order model.