Validating and Authorizing a Transaction

The Validation service can be combined with the Authorization service so that when a customer's authentication is validated, the transaction is automatically submitted for authorization.

Fields Specific to a Visa Secure Transaction

These API fields are required specifically for this use case.
processingInformation.commerceIndicator
Set this field to
vbv
 for a successful authentication (EMV 3-D Secure value of
05
),
vbv_attempted
 if authentication was attempted but did not succeed (EMV 3-D Secure value of
06
), or
vbv_failure
 if authentication failed (EMV 3-D Secure value of
07
).
consumerAuthenticationInformation.cavv
This field is required when payer authentication is successful.

Card-Specific Requirements

Some payment cards require information to be collected during a transaction.
consumerAuthenticationInformation. defaultCard
This field is recommended for Discover ProtectBuy.
consumerAuthenticationInformation.mcc
This field is required when the card type is Cartes Bancaires.
consumerAuthenticationInformation. productCode
This field is required for American Express SafeKey (US) when the product code is
AIR
 for an airline purchase.
merchantInformation. merchantDescriptor.name
This field is required for Visa Secure travel.
orderInformation.shipTo.address1
This field is required only for American Express SafeKey (US).
orderInformation.shipTo.address2
This field is required only for American Express SafeKey (US).

Country-Specific Requirements

These fields are required for transactions in specific countries.
consumerAuthenticationInformation. merchantScore
This field is required for transactions processed in France.
orderinformation.billTo.locality
This field is required for transactions in the US and Canada.
orderInformation.billTo.postalCode
This field is required when the
orderInformation.billTo.country
 field value is
US
 or
CA
.
orderInformation.billTo.administrativeArea
This field is required for transactions in the US and Canada.

Endpoint

Production:
POST
https://api.smartpayfuse.barclaycard
/pts/v2/payments
Test:
POST
https://api.smartpayfuse-test.barclaycard
/pts/v2/payments

Required Fields for Processing an Authorization Using Visa Secure

Use these required fields to process an authorization using Visa Secure.
IMPORTANT
When relaxed requirements for address data and the expiration date are being used, not all fields in this list are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. For details about relaxed requirements, see Relaxed Requirements for Address Data and Expiration Date in Payment Transactions.

Required Fields

clientReferenceInformation.code
consumerAuthenticationInformation.cavv
This field is required when payer authentication is successful. Otherwise, this field is optional.
consumerAuthenticationInformation.xid
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.administrativeArea
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.postalCode
paymentInformation.card.expirationMonth
paymentInformation.card.expirationYear
paymentInformation.card.number
paymentInformation.card.type
processingInformation.commerceIndicator
Set this field to one of these values:
  • vbv
    : Successful authentication (EMV 3-D Secure value of
    05
    ).
  • vbv_attempted
    : Authentication was attempted (EMV 3-D Secure value of
    06
    ).
  • vbv_failure
    : or
    internet
    : Authentication failed or was not attempted (EMV 3-D Secure value of
    07
    ).

REST Example: Validating and Authorizing a Transaction

Light Dark
Request
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{"clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "processingInformation": {
    "commerceIndicator": "vbv"
  },
  "paymentInformation": {
    "card": {
      "number": "41111111XXXXXXX1",
      "expirationMonth": "01",
      "expirationYear": "2026"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "100",
      "currency": "USD"
    },
    "billTo": {
      "firstName": "John",
      "lastName": "Smith",
      "address1": "201 S. Division St._1",
      "locality": "Foster City",
      "administrativeArea": "CA",
      "postalCode": "94404",
      "country": "US",
      "email": "accept@who.com",
      "phoneNumber": "6504327113"
    }
  },
  "consumerAuthenticationInformation": {
    "cavv": "1234567890987654321ABCDEFabcdefABCDEF123",
    "xid": "1234567890987654321ABCDEFabcdefABCDEF123"
  }}
Response to a Successful Request 
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{"_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6758954108726900304951/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6758954108726900304951"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6758954108726900304951/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "id": "6758954108726900304951",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "100.00",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "111111"
  },
  "processorInformation": {
    "approvalCode": "888888",
    "networkTransactionId": "123456789619999",
    "transactionId": "123456789619999",
    "responseCode": "100",
    "avs": {
      "code": "X",
      "codeRaw": "I1"
    }
  },
  "reconciliationId": "711764833DU1FCQD",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-02-08T22:30:11Z"}