Processing Apple Pay Transactions

On This Page
This section provides information about the different kinds of Apple Pay transactions that you can submit:
Authorizing a Payment Using
Cybersource
 Decryption or Merchant Decryption
You can request the authorization service using these decryption methods:
  • Cybersource
     decryption: Within this integration,
    Cybersource
     facilitates all of the encryption key generation and decryption processes associated with implementing Apple Pay. This method reduces the exposure of the sensitive payment data to your system.
  • Merchant decryption: Within this integration, you manage all aspects of the Apple Pay integration, from generation of the payment encryption keys to decryption of the Apple Pay payload response. As a merchant, you submit the Apple Pay payment token and other payment information to
    Cybersource
     for processing.
Reversing an Authorization
This service uses the request ID returned from the previous authorization. An authorization reversal releases the hold that the authorization placed on the customer’s credit card funds. Use this service to reverse an unnecessary or undesired authorization.
Capturing a Payment
This service uses the request ID returned from the previous authorization. The request ID links the capture to the authorization. Use this service to transfer funds from the customer’s account to your bank. The transaction typically completes in two to four days.
Authorizing and Capturing a Payment
A bundled authorization and capture is called a
sale
. Request the authorization and capture services at the same time.
Cybersource
 processes the capture immediately.

Follow-on Services

This section provides information about and procedures for requesting these follow-on services:
  • Authorization Reversal:
     A follow-on service that uses the request ID returned from the previous authorization. An authorization reversal releases the hold that the authorization placed on the customer’s credit card funds. Use this service to reverse an unnecessary or undesired authorization.
  • Capture:
     A follow-on service that uses the request ID returned from the previous authorization. The request ID links the capture to the authorization. This service transfers funds from the customer’s account to your bank and usually takes two to four days to complete.
  • Sale:
     A sale is a bundled authorization and capture. Request the authorization and capture services at the same time.
    Cybersource
     processes the capture immediately.

Authorization Reversals

Use this service to reverse an unnecessary or undesired authorization.

Processor-Specific Information

This section provides processor-specific information about authorization reversals.
Processor-Specific Information About Authorization Reversals
Payment Processor
Authorization Reversal Information
Chase Paymentech Solutions
Card types supported for full authorization reversals: Visa, Mastercard, American Express, Maestro (International), Discover, and Diners Club.
A full authorization reversal must occur within three days of the authorization.

Overview

The full authorization reversal service releases the hold that the authorization placed on the customer’s payment card funds.
Each card-issuing financial institution has its own rules for deciding whether a full authorization reversal succeeds or fails. When a reversal fails, contact the card-issuing financial institution to learn whether there is a different way to reverse the authorization.
If your processor supports authorization reversal after void (ARAV), you can reverse an authorization after you void the associated capture. If your processor does not support ARAV, you can use the full authorization reversal service only for an authorization that has not been captured and settled.
A full authorization reversal is a follow-on transaction that uses the request ID returned from an authorization. The main purpose of a follow-on transaction is to link two transactions. The request ID links the follow-on transaction to the original transaction. The authorization request ID is used to look up the customer’s billing and account information in the
Cybersource
 database. You are not required to include those fields in the full authorization reversal request. The original transaction and follow-on transaction are linked in the database and in the
Business Center
.
For processors that support debit cards and prepaid cards, the full authorization reversal service works for debit cards and prepaid cards in addition to credit cards.

Required Fields for an Authorization Reversal

These fields are required in a request for an authorization reversal:
ccAuthReversalService_authRequestID
Set this field to the request ID that was included in the authorization response message.
ccAuthReversalService_run
Set this field to
true
.
merchantID
merchantReferenceCode
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.
The amount of the reversal must be the same as the amount that was authorized:
  • You can reverse an authorization only for its full amount.
  • When you use a debit card or prepaid card and only a partial amount was approved, the amount of the reversal must be the amount that was authorized, not the amount that was requested.

Reversing an Authorization

  1. Request the service. Set the
    ccAuthReversalService_run
     field to
    true
    , and send the request to one of these endpoints:
    • Internet endpoint:
      https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
    • Akamai endpoint:
      https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
  2. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

Example: Authorization Reversal (NVP)

Request
ccAuthReversalService_authRequestID=0305782650000167905080
merchantID=Napa Valley Vacations
merchantReferenceCode=482046C3A7E94F5BD1FE3C66C
ccAuthReversalService_run=true
item_0_unitPrice=49.95
purchaseTotals_currency=USD
Response
requestID=1019827520348290570293
merchantReferenceCode=482046C3A7E94F5BD1FE3C66C
decision=ACCEPT
reasonCode=100
ccAuthReversalReply_amount=49.95
purchaseTotals_currency=USD
ccAuthReversalReply_reasonCode=100
ccAuthReversalReply_reconciliationID=1094820975023470

Example: Authorization Reversal (XML)

Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.37">
   <merchantID>Napa Valley Vacations</merchantID>
   <merchantReferenceCode>482046C3A7E94F5BD1FE3C66C</merchantReferenceCode>
   <item id="0">
      <unitPrice>49.95</unitPrice>
      <quantity>1</quantity>
   </item>
   <purchaseTotals>
      <currency>USD</currency>
   </purchaseTotals>
   <ccAuthReversalService run="true">
      <authRequestID>0305782650000167905080</authRequestID>
   </ccAuthReversalService>
</requestMessage>
Response
<c:replyMessage xmlns:c="urn:schemas-cybersource-com:transaction-data-1.37">
   <c:merchantReferenceCode>482046C3A7E94F5BD1FE3C66C</c:merchantReferenceCode>
   <c:requestID>1019827520348290570293</c:requestID>
   <c:decision>ACCEPT</c:decision>
   <c:reasonCode>100</c:reasonCode>
   <c:purchaseTotals>
      <c:currency>USD</c:currency>
   </c:purchaseTotals>
   <c:ccAuthReversalReply>
      <c:reasonCode>100</c:reasonCode>
      <c:amount>49.95</c:amount>
      <c:reconciliationID>1094820975023470</c:reconciliationID>
   </c:ccAuthReversalReply>
</c:replyMessage>

Sales

Sales are supported for all processors and acquirers.

Overview

A sale is a bundled authorization and capture. Some processors and acquirers require a sale transaction instead of separate authorization and capture requests. For other processors and acquirers, you can request a sale instead of a separate authorization and capture when you ship a customer’s goods immediately after taking the order. A sale is typically used for electronic goods and for services that you can turn on immediately.

Dual-Message Processing

Dual-message processing is supported for all processors and acquirers.
To perform a sale, request the authorization and capture services at the same time. When the authorization is successful, the capture is processed immediately and the response message includes results for the authorization and for the capture. When the authorization is declined, the capture is not processed and the response message includes results only for the authorization.
For debit cards and prepaid cards, the issuing bank can approve a partial amount when the balance on the card is less than the requested authorization amount and when the transaction is enabled for partial authorization. When this happens, the capture is not processed. However, you can submit a capture request for the approved amount. For a limited number of processors and card types, partial authorizations are supported for credit cards in addition to debit cards and prepaid cards.

Required Fields for a Sale

The following fields are required in a request for a sale:
billTo_city
Required except when your account is configured for relaxed requirements for address data and expiration date.
It is your responsibility to determine whether a field is required for the transaction that you are requesting.
billTo_country
Required except when your account is configured for relaxed requirements for address data and expiration date.
It is your responsibility to determine whether a field is required for the transaction that you are requesting.
billTo_email
Required except when your account is configured for relaxed requirements for address data and expiration date.
It is your responsibility to determine whether a field is required for the transaction that you are requesting.
billTo_firstName
Required except when your account is configured for relaxed requirements for address data and expiration date.
It is your responsibility to determine whether a field is required for the transaction that you are requesting.
billTo_lastName
Required except when your account is configured for relaxed requirements for address data and expiration date.
It is your responsibility to determine whether a field is required for the transaction that you are requesting.
billTo_postalCode
Required when the billing country is the U.S. or Canada except when your account is configured for relaxed requirements for address data and expiration date.
It is your responsibility to determine whether a field is required for the transaction that you are requesting.
billTo_state
Required when the billing country is the U.S. or Canada except when your account is configured for relaxed requirements for address data and expiration date.
It is your responsibility to determine whether a field is required for the transaction that you are requesting.
billTo_street1
Required except when your account is configured for relaxed requirements for address data and expiration date.
It is your responsibility to determine whether a field is required for the transaction that you are requesting.
card_accountNumber
card_cardType
Required on
Visa Platform Connect
 for all card types. On other processors, required for certain card types. It is strongly recommended that you send the card type even if it is optional for your processor. Omitting the card type can cause the transaction to be processed with the wrong card type.
card_expirationMonth
Required except when your account is configured for relaxed requirements for address data and expiration date.
It is your responsibility to determine whether a field is required for the transaction that you are requesting.
card_expirationYear
Required except when your account is configured for relaxed requirements for address data and expiration date.
It is your responsibility to determine whether a field is required for the transaction that you are requesting.
ccAuthService_commerceIndicator
Required for requests that include payer authentication data. Otherwise, it is optional.
ccAuthService_run
Set this field to
true
.
ccCaptureService_run
Set this field to
true
.
item_#_productName
Required when the product code is not
default
 or one of the values for shipping or handling. Otherwise, this field is optional.
item_#_productSKU
Required when the product code is not
default
 or one of the values for shipping or handling. Otherwise, this field is optional.
item_#_quantity
Required when the product code is not
default
 or one of the values for shipping or handling. Otherwise, this field is optional.
merchantID
merchantReferenceCode
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.
shipTo_city
Required when any shipping address information is included in the request and shipping to the U.S. or Canada. Otherwise, this field is optional.
shipTo_country
Required when any shipping address information is included in the request. Otherwise, this field is optional.
shipTo_postalCode
Required when any shipping address information is included in the request and shipping to the U.S. or Canada. Otherwise, this field is optional.
shipTo_state
Required when any shipping address information is included in the request and shipping to the U.S. or Canada. Otherwise, this field is optional.
shipTo_street1
Required when any shipping address information is included in the request. Otherwise, this field is optional.

Performing a Sale

  1. Request the service. Set the
    ccAuthService_run
     field to
    true
     and the
    ccCaptureService_run
     field to
    true
    , and send the request to one of these endpoints:
    • Internet endpoint:
      https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
    • Akamai endpoint:
      https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
  2. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

Example: Sale (NVP)

Request
ccAuthService_run=true
ccCaptureService_run=true
merchantID=Napa Valley Vacations
merchantReferenceCode=482046C3A7E94F5
billTo_firstName=John
billTo_lastName=Doe
billTo_street1=1295 Charleston Rd.
billTo_city=Mountain View
billTo_state=CA
billTo_postalCode=94043
billTo_country=US
billTo_phoneNumber=650-965-6000
billTo_email=jdoe@example.com
item_0_unitPrice=49.95
item_0_quantity=1
purchaseTotals_currency=USD
card_expirationMonth=12
card_expirationYear=2015
card_accountNumber=4111111111111111
card_cvNumber=999 <!-- Required only for Visa Platform ConnectChina UnionPayChina UnionPay. -->
card_cardType=001
card_usage=C <!-- Required only for Visa Platform ConnectChina UnionPayChina UnionPay. -->
cardTypeSelectionIndicator=1 <!-- Required only for Visa Platform ConnectChina UnionPayChina UnionPay. -->
Response
Most processors do not return all of the fields in this example.
requestID=0305782650000167905080
decision=ACCEPT
reasonCode=100
merchantReferenceCode=482046C3A7E94F5
purchaseTotals_currency=USD
ccAuthReply_reconciliationID=ABCDE12345FGHIJ67890
ccAuthReply_cardCategory=F^
ccAuthReply_cardGroup=0
ccAuthReply_reasonCode=100
ccAuthReply_amount=49.95
ccAuthReply_accountBalance=50.05
ccAuthReply_authorizationCode=123456
ccAuthReply_avsCode=Y
ccAuthReply_avsCodeRaw=YYY
ccAuthReply_processorResponse=A
ccAuthReply_paymentNetworkTransactionID=3312345
ccCaptureReply_amount=49.95
ccCaptureReply_reasonCode=100
ccCaptureReply_reconciliationID=1094820975023470

Example: Sale (XML)

Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.23">
   <merchantID>Napa Valley Vacations</merchantID>
   <merchantReferenceCode>482046C3A7E94F5</merchantReferenceCode>
   <billTo>
      <firstName>John</firstName>
      <lastName>Doe</lastName>
      <street1>1295 Charleston Rd.</street1>
      <city>Mountain View</city>
      <state>CA</state>
      <postalCode>94043</postalCode>
      <country>US</country>
      <phoneNumber>650-965-6000</phoneNumber>
      <email>jdoe@example.com</email>
   </billTo>
   <item id="0">
      <unitPrice>49.95</unitPrice>
      <quantity>1</quantity>
   </item>
   <purchaseTotals>
      <currency>USD</currency>
   </purchaseTotals>
   <card>
      <accountNumber>4111111111111111</accountNumber>
      <expirationMonth>12</expirationMonth>
      <expirationYear>2015</expirationYear>
      <card_cvNumber>999</card_cvNumber> <!-- Required only for Visa Platform ConnectChina UnionPayChina UnionPay. -->
      <cardType>001</cardType>
      <usage>C</usage> <!-- Required only for Visa Platform ConnectChina UnionPayChina UnionPay. -->
   </card>
   <ccAuthService run="true"/>
   <ccCaptureService run="true"/>
   <cardTypeSelectionIndicator>1</cardTypeSelectionIndicator> <!-- Required only for Visa Platform ConnectChina UnionPayChina UnionPay. -->
</requestMessage>
Response
Most processors do not return all of the fields in this example.
<c:replyMessage xmlns:c="urn:schemas-cybersource-com:transaction-data-1.23">
   <c:merchantReferenceCode>482046C3A7E94F5</c:merchantReferenceCode>
   <c:requestID>0305782650000167905080</c:requestID>
   <c:decision>ACCEPT</c:decision>
   <c:reasonCode>100</c:reasonCode>
   <c:purchaseTotals>
      <c:currency>USD</c:currency>
   </c:purchaseTotals>
   <c:ccAuthReply>
      <c:reasonCode>100</c:reasonCode>
      <c:amount>49.95</c:amount>
      <c:authorizationCode>123456</c:authorizationCode>
      <c:avsCode>Y</c:avsCode>
      <c:avsCodeRaw>YYY</c:avsCodeRaw>
      <c:processorResponse>A</c:processorResponse>
      <c:reconciliationID>ABCDE12345FGHIJ67890</c:reconciliationID>
      <c:accountBalance>50.05</c:accountBalance>
      <c:paymentNetworkTransactionID>3312345</c:paymentNetworkTransactionID>
      <c:cardCategory>F^</c:cardCategory>
      <c:cardGroup>0</c:cardGroup>
   </c:ccAuthReply>
   <c:ccCaptureReply>
      <c:reasonCode>100</c:reasonCode>
      <c:amount>49.95</c:amount>
      <c:reconciliationID>1094820975023470</c:reconciliationID>
   </c:ccCaptureReply>
</c:replyMessage>

Authorization Reversals

Reversing an authorization releases the hold on the customer’s payment card funds that the issuing bank placed when processing the authorization.
Each card-issuing financial institution has its own rules for deciding whether an authorization reversal succeeds or fails. When a reversal fails, contact the card-issuing financial institution to learn whether there is a different way to reverse the authorization.
If your processor supports authorization reversal after void (ARAV), you can reverse an authorization after you void the associated capture. If your processor does not support ARAV, you can use the full authorization reversal service only for an authorization that has not been captured and settled.
An authorization reversal is a follow-on transaction that uses the request ID returned from an authorization transaction to link the transactions together. The authorization request ID is used to look up the customer’s billing and account information in the
Cybersource
 database. You are not required to include those fields in the full authorization reversal request. The original transaction and follow-on transaction are linked in the database and in
the
Business Center
.
For processors that support debit cards and prepaid cards, the full authorization reversal service works for debit cards and prepaid cards in addition to credit cards.

Endpoint

Set the
ccAuthReversalService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.

Required Fields for Processing Authorization Reversals Using the
Simple Order API

These fields are required in a request for an authorization reversal:
ccAuthReversalService_authRequestID
Set this field to the request ID that was included in the authorization response message.
ccAuthReversalService_run
Set this field to
true
.
merchantID
merchantReferenceCode
purchaseTotals_grandTotalAmount
The amount of the reversal must be the same as the authorization amount that was included in the authorization response message. Do not use the amount that was requested in the authorization request message.

Simple Order Example: Processing an Authorization Reversal

Request
ccAuthReversalService_authRequestID=6522033834410167772169
ccAuthReversalService_run=true
merchantID=Napa Valley Vacations
merchantReferenceCode=482046C3A7E94F5BD1FE3C66C
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=49.95
Response
requestID=1019827520348290570293
merchantReferenceCode=482046C3A7E94F5BD1FE3C66C
decision=ACCEPT
reasonCode=100
ccAuthReversalReply_amount=49.95
purchaseTotals_currency=USD
ccAuthReversalReply_reasonCode=100
ccAuthReversalReply_reconciliationID=1094820975023470

Captures

This section shows you how to capture an authorized transaction.

Endpoint

Set the
ccCaptureService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.

Required Fields for Capturing a Payment Using the
Simple Order API

ccCaptureService_authRequestID
ccCaptureService_run
merchantID
merchantReferenceCode
Set to
merchant_ref_number
 value used in corresponding authorization request.
purchaseTotals_currency
purchaseTotals_grandTotalAmount

Simple Order Example: Capturing an Authorization

Request
ccCaptureService_authRequestID=6629978499572480812782
ccCaptureService_run=true
merchantID=npr_paymentech
merchantReferenceCode=TC42703-1
purchaseTotals_grandTotalAmount=100.00
Response
ccCaptureReply_amount=100.00
ccCaptureReply_requestDateTime=2022-09-12T173947Z
decision=ACCEPT
merchantReferenceCode=TC42703-1
purchaseTotals_currency=USD
requestID=6630043878211258349460

Multiple Partial Captures

This feature enables you to request multiple partial captures for one authorization. A multiple partial capture allows you to incrementally settle authorizations over time. Ensure that the total amount of all the captures does not exceed the authorized amount.

Endpoint

Set the
ccCaptureService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.

Required Fields for Multiple Partial Captures

No additional fields are required for multiple partial captures. Simply include the fields that are required for a capture.
SO Example: Processing Multiple Partial Captures
Request
Set the
ccCaptureService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor.

            ccCaptureService_authRequestID=6744978508916643203008
            ccCaptureService_run=true
            ccCaptureService_sequence=2
            ccCaptureService_totalCount=5
            merchantID=npr_paymentech
            merchantReferenceCode=Postman-1674497851
            purchaseTotals_grandTotalAmount=1.01
Response

            merchantReferenceCode=Postman-1674497851
            requestID=6630043878211258349460
            decision=ACCEPT
            reasonCode=100reasonCode
            requestToken=Axj//wSTbaVhaW6UcgfAABEg3bMGLZk2ZzojObHi1IiiOVWqhpAFRHKrZAzmkB8pefDJpJl6MWWg4gYE5NtpFwS3YNrBQIAAOBLU
            purchaseTotals_currency=USD            
            ccCaptureReply_reasonCode=100
            ccCaptureReply_requestDateTime=2023-01-23T18:17:31Z
            ccCaptureReply_amount=1.01
            ccCaptureReply_reconciliationID=76016263ND3MGETD

Sales

This section shows you how to process a sale transaction.
A sale transaction combines an authorization and a capture into a single transaction.

Endpoint

Set the
ccAuthService_run
 field to
true
, and the
ccCaptureService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.

Required Fields for Processing a Sale Using the
Simple Order API

The following fields are required in a request for a sale:
billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
card_cardType
card_expirationMonth
card_expirationYear
ccAuthService_commerceIndicator
ccAuthService_run
Set this field to
true
.
ccCaptureService_run
Set this field to
true
.
merchantID
purchaseTotals_currency
purchaseTotals_grandTotalAmount

Simple Order Example: Requesting a Sale

Request
ccAuthService_run=true
ccCaptureService_run=true
merchantID=Napa Valley Vacations
merchantReferenceCode=482046C3A7E94F5
billTo_firstName=John
billTo_lastName=Doe
billTo_street1=1295 Charleston Rd.
billTo_city=Mountain View
billTo_state=CA
billTo_postalCode=94043
billTo_country=US
billTo_phoneNumber=650-965-6000
billTo_email=jdoe@example.com
item_0_unitPrice=49.95
item_0_quantity=1
purchaseTotals_currency=USD
card_expirationMonth=12
card_expirationYear=2015
card_accountNumber=4111111111111111

card_cardType=001
Response
Most processors do not return all of the fields shown in this example.
requestID=0305782650000167905080
decision=ACCEPT
reasonCode=100
merchantReferenceCode=482046C3A7E94F5
purchaseTotals_currency=USD
ccAuthReply_reconciliationID=ABCDE12345FGHIJ67890
ccAuthReply_cardCategory=F^
ccAuthReply_cardGroup=0
ccAuthReply_reasonCode=100
ccAuthReply_amount=49.95
ccAuthReply_accountBalance=50.05
ccAuthReply_authorizationCode=123456
ccAuthReply_avsCode=Y
ccAuthReply_avsCodeRaw=YYY
ccAuthReply_processorResponse=A
ccAuthReply_paymentNetworkTransactionID=3312345
ccCaptureReply_amount=49.95
ccCaptureReply_reasonCode=100
ccCaptureReply_reconciliationID=1094820975023470

Authorization Service

This section provides the information that you need for requesting the authorization service using these methods which determine the request fields that are required to request the authorization service. In addition, different request fields are required in order to request the authorization service. The type of card used to process the transaction determines which request fields are used.
After you send the request, verify the response messages to make sure that the request was successful.
A value of
ACCEPT
 for the
decision
 field indicates success.
For information about response codes, see
Reason Codes for the Simple Order API
.

Endpoint

Set the
ccAuthService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.

Required Fields for Authorizing a Payment Using
Cybersource
 Decryption for American Express

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
card_expirationMonth
card_expirationYear
ccAuthService_run
Set this field to
true
.
encyrptedPayment_data
Set this field to the Base64-encoded value obtained from the
paymentData
 property of the
PKPaymentToken
 object.
encryptedPayment_descriptor
Set this field to
RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
.
merchantID
merchantReferenceCode
paymentSolution
Set this field to
001
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Optional Fields for Authorizing a Payment for Apple Pay Transactions

You can include these optional fields in a request for an authorization:
paymentNetworkToken_requestorID
Set this field to your token requestor ID that is assigned by the token service provider.

Authorizing a Payment Using
Cybersource
 Decryption for American Express

Follow these steps to authorize a payment using
Cybersource
 decryption for American Express:
  1. Request the service. Set the
    ccAuthService_run
     field to
    true
    , and send the request to one of these endpoints:
    • Internet endpoint:
      https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
    • Akamai endpoint:
      https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
  2. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

NVP Example:
Cybersource
 Decryption and American Express

Request 
ccAuthService_run=true
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName>Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765        
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=5.00
encryptedPayment_descriptor=RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
encryptedPayment_data=ABCDEFabcdefABCDEFabcdef0987654321234567
encryptedPayment_encoding=Base64
card_cardType=003
paymentSolution=001
Response 
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=ACCEPT
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
token_expirationMonth=07
token_expirationYear=2025
token_prefix=239845
token_suffix=2947
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example:
Cybersource
 Decryption and American Express

Request 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <encryptedPayment>
        <descriptor>RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U</descriptor>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <encoding>Base64</encoding>
    </encryptedPayment>
    <card>
        <cardType>003</cardType>
    </card>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:token>
        <c:expirationMonth>07</c:expirationMonth>
        <c:expirationYear>2025</c:expirationYear>
        <c:prefix>239845</c:prefix>
        <c:suffix>2947</c:suffix>
    </c:token>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
    <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using
Cybersource
 Decryption for Discover

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
card_expirationMonth
card_expirationYear
ccAuthService_run
Set this field to
true
.
encyrptedPayment_data
Set this field to the Base64-encoded value obtained from the
paymentData
 property of the
PKPaymentToken
 object.
encryptedPayment_descriptor
Set this field to
RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
.
merchantID
merchantReferenceCode
paymentSolution
Set this field to
001
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.
paymentNetworkToken_transactionType
Set this field to
1
.

Authorizing a Payment Using
Cybersource
 Decryption for Discover

Follow these steps to authorize a payment using
Cybersource
 decryption for Discover:
  1. Request the service. Set the
    ccAuthService_run
     field to
    true
    , and send the request to one of these endpoints:
    • Internet endpoint:
      https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
    • Akamai endpoint:
      https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
  2. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

NVP Example:
Cybersource
 Decryption and Discover

Request
ccAuthService_run=true
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=5.00
encryptedPayment_descriptor=RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
encryptedPayment_data=ABCDEFabcdefABCDEFabcdef0987654321234567
encryptedPayment_encoding=Base64
card_cardType=004
paymentSolution=001
Response
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=ACCEPT
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
token_expirationMonth=07
token_expirationYear=2025
token_prefix=239845
token_suffix=2947
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example:
Cybersource
 Decryption and Discover

Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <encryptedPayment>
        <descriptor>RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U</descriptor>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <encoding>Base64</encoding>
    </encryptedPayment>
    <card>
        <cardType>004</cardType>
    </card>
    <paymentSolution>001</paymentSolution>
    <ccAuthService run="true"/>
</requestMessage>
Response
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:token>
        <c:expirationMonth>07</c:expirationMonth>
        <c:expirationYear>2025</c:expirationYear>
        <c:prefix>239845</c:prefix>
        <c:suffix>2947</c:suffix>
    </c:token>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using
Cybersource
 Decryption for Mastercard

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
card_expirationMonth
card_expirationYear
ccAuthService_run
Set this field to
true
.
encyrptedPayment_data
Set this field to the Base64-encoded value obtained from the
paymentData
 property of the
PKPaymentToken
 object.
encryptedPayment_descriptor
Set this field to
RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
.
merchantID
merchantReferenceCode
paymentSolution
Set this field to
001
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Authorizing a Payment Using
Cybersource
 Decryption for Mastercard

Follow these steps to authorize a payment using
Cybersource
 decryption for Mastercard:
  1. Request the service. Set the
    ccAuthService_run
     field to
    true
    , and send the request to one of these endpoints:
    • Internet endpoint:
      https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
    • Akamai endpoint:
      https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
  2. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

NVP Example:
Cybersource
 Decryption and Mastercard

Authorization Request
ccAuthService_run=true
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=5.00
encryptedPayment_descriptor=RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
encryptedPayment_data=ABCDEFabcdefABCDEFabcdef0987654321234567
encryptedPayment_encoding=Base64
card_cardType=002

paymentSolution=001
Authorization Response 
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=ACCEPT
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
token_expirationMonth=07
token_expirationYear=2025</c:expirationYear>
token_prefix=239845
token_suffix=2947
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example:
Cybersource
 Decryption and Mastercard

Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <encryptedPayment>
        <descriptor>RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U</descriptor>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <encoding>Base64</encoding>
    </encryptedPayment>
    <card>
        <cardType>002</cardType>
    </card>
    <ccAuthService run="true"/>
    <paymentNetworkToken>
        
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:token>
        <c:expirationMonth>07</c:expirationMonth>
        <c:expirationYear>2025</c:expirationYear>
        <c:prefix>239845</c:prefix>
        <c:suffix>2947</c:suffix>
    </c:token>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using
Cybersource
 Decryption for Visa

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
card_expirationMonth
card_expirationYear
ccAuthService_run
Set this field to
true
.
encyrptedPayment_data
Set this field to the Base64-encoded value obtained from the
paymentData
 property of the
PKPaymentToken
 object.
encryptedPayment_descriptor
Set this field to
RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
.
merchantID
merchantReferenceCode
paymentSolution
Set this field to
001
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Authorizing a Payment Using
Cybersource
 Decryption for Visa

Follow these steps to authorize a payment using
Cybersource
 decryption for Visa:
  1. Request the service. Set the
    ccAuthService_run
     field to
    true
    , and send the request to one of these endpoints:
    • Internet endpoint:
      https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
    • Akamai endpoint:
      https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
  2. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

NVP Example:
Cybersource
 Decryption and Visa

Request
ccAuthService_run=true
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=5.00
encryptedPayment_descriptor=RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
encryptedPayment_data=ABCDEFabcdefABCDEFabcdef0987654321234567
encryptedPayment_encoding=Base64
card_cardType=001
 
paymentSolution=001
Response
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=ACCEPT
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
token_expirationMonth=07
token_expirationYear=2025
token_prefix=239845
token_suffix=2947
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example:
Cybersource
 Decryption and Visa

Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <encryptedPayment>
        <descriptor>RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U</descriptor>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <encoding>Base64</encoding>
    </encryptedPayment>
    <card>
        <cardType>001</cardType>
    </card>
    <ccAuthService run="true"/>
    <paymentNetworkToken>
         
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:token>
        <c:expirationMonth>07</c:expirationMonth>
        <c:expirationYear>2025</c:expirationYear>
        <c:prefix>239845</c:prefix>
        <c:suffix>2947</c:suffix>
    </c:token>
    </c:purchaseTotals>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using Merchant Decryption for American Express

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
Set this field to the payment network token value.
card_expirationMonth
Set this field to the value from the payment network token expiration month.
card_expirationYear
Set this field to the value from the payment network token expiration year.
ccAuthService_cavv
For a transaction that uses 3-D Secure, set this field to the 3-D Secure cryptogram.
ccAuthService_commerceIndicator
For a transaction that does not use 3-D Secure, set this field to
internet
.
For a transaction that uses 3-D Secure, set this field to
aesk
.
ccAuthService_networkTokenCryptogram
Set this field to the network token cryptogram.
Include the whole 20-byte cryptogram in the
ccAuthService_networkTokenCryptogram
 field. For a 40-byte cryptogram, split the cryptogram into two 20-byte binary values (block A and block B). Set the
ccAuthService_networkTokenCryptogram
 field to the block A value and set the
ccAuthService_xid
 field to the block B value.
ccAuthService_run
Set this field to
true
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Authorizing a Payment Using Merchant Decryption for American Express

Follow these steps to authorize a payment using merchant decryption for American Express:
  1. Request the service. Set the
    ccAuthService_run
     field to
    true
    , and send the request to one of these endpoints:
    • Internet endpoint:
      https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
    • Akamai endpoint:
      https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
  2. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

NVP Example: Merchant Decryption and American Express

Request 
ccAuthService_run=true
ccAuthService_cavv=ABCDEFabcdefABCDEFabcdef0987654321234567
ccAuthService_commerceIndicator=aesk
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=5.00
card_accountNumber=37828224631xxxx
card_expirationMonth=12
card_expirationYear=2020
card_cvNumber=123
card_cardType=003
paymentNetworkToken_transactionType=1
paymentSolution=001
Response 
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=ACCEPT
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example: Merchant Decryption and American Express

Request 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>37828224631xxxx</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
        <cvNumber>123</cvNumber>
        <cardType>003</cardType>
    </card>
    <ccAuthService run="true">
        <cavv>ABCDEFabcdefABCDEFabcdef0987654321234567</cavv>
        <commerceIndicator>aesk</commerceIndicator>
    </ccAuthService>
    <paymentNetworkToken>
        <transactionType>1</transactionType> 
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using Merchant Decryption for Discover

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
Set this field to the payment network token value.
card_expirationMonth
Set this field to the value from the payment network token expiration month.
card_expirationYear
Set this field to the value from the payment network token expiration year.
ccAuthService_cavv
For a transaction that uses 3-D Secure, set this field to the 3-D Secure cryptogram.
ccAuthService_commerceIndicator
For a transaction that does not use 3-D Secure, set this field to
internet
.
For a transaction that uses 3-D Secure, set this field to
dipb
.
ccAuthService_networkTokenCryptogram
Set this field to the network token cryptogram.
ccAuthService_run
Set this field to
true
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Authorizing a Payment Using Merchant Decryption for Discover

Follow these steps to authorize a payment using merchant decryption for Discover:
  1. Request the service. Set the
    ccAuthService_run
     field to
    true
    , and send the request to one of these endpoints:
    • Internet endpoint:
      https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
    • Akamai endpoint:
      https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
  2. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

NVP Example: Merchant Decryption and Discover

Request
ccAuthService_run=true
ccAuthService_cavv=ABCDEFabcdefABCDEFabcdef0987654321234567
ccAuthService_commerceIndicator=dipb
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purhcaseTotals_grandTotalAmount=5.00
card_accountNumber=601111111111xxxx
card_expirationMonth=12
card_expirationYear=2020
card_cvNumber=123
card_cardType=004
paymentNetworkToken_transactionType=1
paymentSolution=001
Response
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=ACCEPT
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example: Merchant Decryption and Discover

Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
    <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>601111111111xxxx</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
        <cvNumber>123</cvNumber>
        <cardType>004</cardType>
    </card>
    <ccAuthService run="true">
        <cavv>ABCDEFabcdefABCDEFabcdef0987654321234567</cavv>
        <commerceIndicator>dipb</commerceIndicator>
    </ccAuthService>
    <paymentNetworkToken> 
        <transactionType>1</transactionType> 
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using Merchant Decryption for Mastercard

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
Set this field to the payment network token value.
card_expirationMonth
Set this field to the value from the payment network token expiration month.
card_expirationYear
Set this field to the value from the payment network token expiration year.
ccAuthService_commerceIndicator
For a transaction that does not use 3-D Secure, set this field to
internet
.
For a transaction that uses 3-D Secure, set this field to
spa
.
ccAuthService_networkTokenCryptogram
Set this field to the network token cryptogram.
ccAuthService_run
Set this field to
true
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.
ucaf_authenticationData
For a transaction that uses 3-D Secure, set this field to the 3-D Secure cryptogram.
ucaf_collectionIndicator
Set this field to
2
.

Authorizing a Payment Using Merchant Decryption for Mastercard

Follow these steps to authorize a payment using merchant decryption for Mastercard:
  1. Request the service. Set the
    ccAuthService_run
     field to
    true
    , and send the request to one of these endpoints:
    • Internet endpoint:
      https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
    • Akamai endpoint:
      https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
  2. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

NVP Example: Merchant Decryption and Mastercard

Request
ccAuthService_run=true
ccAuthService_commerceIndicator=spa
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchastTotals_grandTotalAmount=5.00
card_accountNumber=555555555555xxxx
card_expirationMonth=12
card_expirationYear=2020
card_cvnNumber=123
card_cardType=002
ucaf_authenticationData=ABCDEFabcdefABCDscdef0987654321234567
ucaf_collectionIndicator=2
 
paymentNetworkToken_transactionType=1
paymentSolution=001
Response
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=accept
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example: Merchant Decryption and Mastercard

Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>555555555555xxxx</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
        <cvNumber>123</cvNumber>
        <cardType>002</cardType>
    </card>
    <ucaf>
        <authenticationData>ABCDEFabcdefABCDscdef0987654321234567</authenticationData>
        <collectionIndicator>2</collectionIndicator>
    </ucaf>
    <ccAuthService run="true">
        <commerceIndicator>spa</commerceIndicator>
    </ccAuthService> 
    <paymentNetworkToken>
        <requestorID>987654321plokijuhygtfrdeswa</requestorID> <!-- Required only for GPXVisa Platform Connect and GPXVisa Platform Connect. -->
        <transactionType>1</transactionType> 
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using Merchant Decryption for Visa

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
Set this field to the payment network token value.
card_expirationMonth
Set this field to the value from the payment network token expiration month.
card_expirationYear
Set this field to the value from the payment network token expiration year.
ccAuthService_cavv
For a card that supports 3-D Secure, set this field to the 3-D Secure cryptogram.
ccAuthService_commerceIndicator
For a transaction that does not use 3-D Secure, set this field to the ECI value contained in the Apple Pay response payload.
For a transaction that uses 3-D Secure, set this field to
5
 (
vbv
).
ccAuthService_networkTokenCryptogram
Set this field to the network token cryptogram.
ccAuthService_run
Set this field to
true
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Authorizing a Payment Using Merchant Decryption for Visa

Follow these steps to authorize a payment using merchant decryption for Visa:
  1. Request the service. Set the
    ccAuthService_run
     field to
    true
    , and send the request to one of these endpoints:
    • Internet endpoint:
      https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
    • Akamai endpoint:
      https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
  2. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

NVP Example: Merchant Decryption and Visa

Request
ccAuthService_run=true
ccAuthService_cavv=ABCDEFabcdefABCDEFabcdef0987654321234567
ccAuthService_commerceIndicator=internet
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchastTotals_grandTotalAmount=5.00
card_accountNumber=4111111111111111
card_expirationMonth=12
card_expirationYear=2020
card_cvnNumber=123
card_cardType=001
 
paymentNetworkToken_transactionType=1
paymentSolution=001
Response
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=accept
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example: Merchant Decryption and Visa

Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>4111111111111111</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
        <cvNumber>123</cvNumber>
        <cardType>001</cardType>
    </card>
    <ccAuthService run="true">
        <cavv>ABCDEFabcdefABCDEFabcdef0987654321234567</cavv>
        <commerceIndicator>internet</commerceIndicator>
    </ccAuthService>
    <paymentNetworkToken>
        <requestorID>987654321plokijuhygtfrdeswa</requestorID> <!-- Required only for 
GPXVisa Platform Connect and GPXVisa Platform Connect
. -->
        <transactionType>1</transactionType> 
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using
Cybersource
 Decryption for American Express

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
ccAuthService_run
Set this field to
true
.
encryptedPayment_data
Set this field to the Base64-encoded value obtained from the
paymentData
 property of the
PKPaymentToken
 object.
encryptedPayment_descriptor
Set this field to
RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Optional Fields for Authorizing a Payment for Apple Pay Transactions

You can include these optional fields in a request for an authorization:
paymentNetworkToken_requestorID
Set this field to your token requestor ID that is assigned by the token service provider.

NVP Example:
Cybersource
 Decryption and American Express

Request 
ccAuthService_run=true
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName>Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765        
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=5.00
encryptedPayment_descriptor=RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
encryptedPayment_data=ABCDEFabcdefABCDEFabcdef0987654321234567
encryptedPayment_encoding=Base64
card_cardType=003
paymentSolution=001
Response 
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=ACCEPT
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
token_expirationMonth=07
token_expirationYear=2025
token_prefix=239845
token_suffix=2947
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example:
Cybersource
 Decryption and American Express

Request 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <encryptedPayment>
        <descriptor>RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U</descriptor>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <encoding>Base64</encoding>
    </encryptedPayment>
    <card>
        <cardType>003</cardType>
    </card>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:token>
        <c:expirationMonth>07</c:expirationMonth>
        <c:expirationYear>2025</c:expirationYear>
        <c:prefix>239845</c:prefix>
        <c:suffix>2947</c:suffix>
    </c:token>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
    <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using
Cybersource
 Decryption for Discover

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
ccAuthService_run
Set this field to
true
.
encryptedPayment_data
Set this field to the Base64-encoded value obtained from the
paymentData
 property of the
PKPaymentToken
 object.
encryptedPayment_descriptor
Set this field to
RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

NVP Example:
Cybersource
 Decryption and Discover

Request
ccAuthService_run=true
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=5.00
encryptedPayment_descriptor=RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
encryptedPayment_data=ABCDEFabcdefABCDEFabcdef0987654321234567
encryptedPayment_encoding=Base64
card_cardType=004
paymentSolution=001
Response
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=ACCEPT
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
token_expirationMonth=07
token_expirationYear=2025
token_prefix=239845
token_suffix=2947
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example:
Cybersource
 Decryption and Discover

Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <encryptedPayment>
        <descriptor>RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U</descriptor>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <encoding>Base64</encoding>
    </encryptedPayment>
    <card>
        <cardType>004</cardType>
    </card>
    <paymentSolution>001</paymentSolution>
    <ccAuthService run="true"/>
</requestMessage>
Response
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:token>
        <c:expirationMonth>07</c:expirationMonth>
        <c:expirationYear>2025</c:expirationYear>
        <c:prefix>239845</c:prefix>
        <c:suffix>2947</c:suffix>
    </c:token>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using
Cybersource
 Decryption for Mastercard

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
ccAuthService_run
Set this field to
true
.
encryptedPayment_data
Set this field to the Base64-encoded value obtained from the
paymentData
 property of the
PKPaymentToken
 object.
encryptedPayment_descriptor
Set this field to
RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

NVP Example:
Cybersource
 Decryption and Mastercard

Authorization Request
ccAuthService_run=true
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=5.00
encryptedPayment_descriptor=RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
encryptedPayment_data=ABCDEFabcdefABCDEFabcdef0987654321234567
encryptedPayment_encoding=Base64
card_cardType=002

paymentSolution=001
Authorization Response 
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=ACCEPT
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
token_expirationMonth=07
token_expirationYear=2025
token_prefix=239845
token_suffix=2947
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example:
Cybersource
 Decryption and Mastercard

Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <encryptedPayment>
        <descriptor>RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U</descriptor>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <encoding>Base64</encoding>
    </encryptedPayment>
    <card>
        <cardType>002</cardType>
    </card>
    <ccAuthService run="true"/>
    <paymentNetworkToken>
        
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:token>
        <c:expirationMonth>07</c:expirationMonth>
        <c:expirationYear>2025</c:expirationYear>
        <c:prefix>239845</c:prefix>
        <c:suffix>2947</c:suffix>
    </c:token>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using
Cybersource
 Decryption for Visa

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
ccAuthService_run
Set this field to
true
.
encryptedPayment_data
Set this field to the Base64-encoded value obtained from the
paymentData
 property of the
PKPaymentToken
 object.
encryptedPayment_descriptor
Set this field to
RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

NVP Example:
Cybersource
 Decryption for Visa

Request
ccAuthService_run=true
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=5.00
encryptedPayment_descriptor=RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
encryptedPayment_data=ABCDEFabcdefABCDEFabcdef0987654321234567
encryptedPayment_encoding=Base64
card_cardType=001
 
paymentSolution=001
Response
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=ACCEPT
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
token_expirationMonth=07
token_expirationYear=2025
token_prefix=239845
token_suffix=2947
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example:
Cybersource
 Decryption for Visa

Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <encryptedPayment>
        <descriptor>RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U</descriptor>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <encoding>Base64</encoding>
    </encryptedPayment>
    <card>
        <cardType>001</cardType>
    </card>
    <ccAuthService run="true"/>
    <paymentNetworkToken>
         
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:token>
        <c:expirationMonth>07</c:expirationMonth>
        <c:expirationYear>2025</c:expirationYear>
        <c:prefix>239845</c:prefix>
        <c:suffix>2947</c:suffix>
    </c:token>
    </c:purchaseTotals>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using Merchant Decryption for American Express

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
Set this field to the payment network token value.
card_expirationMonth
Set this field to the value from the payment network token expiration month.
card_expirationYear
Set this field to the value from the payment network token expiration year.
ccAuthService_cavv
For a transaction that uses 3-D Secure, set this field to the 3-D Secure cryptogram.
ccAuthService_commerceIndicator
For a transaction that does not use 3-D Secure, set this field to
internet
.
For a transaction that uses 3-D Secure, set this field to
aesk
.
ccAuthService_networkTokenCryptogram
Set this field to the network token cryptogram.
Include the whole 20-byte cryptogram in the
ccAuthService_networkTokenCryptogram
 field. For a 40-byte cryptogram, split the cryptogram into two 20-byte binary values (block A and block B). Set the
ccAuthService_networkTokenCryptogram
 field to the block A value and set the
ccAuthService_xid
 field to the block B value.
ccAuthService_run
Set this field to
true
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

NVP Example: Merchant Decryption and American Express

Request 
ccAuthService_run=true
ccAuthService_cavv=ABCDEFabcdefABCDEFabcdef0987654321234567
ccAuthService_commerceIndicator=aesk
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=5.00
card_accountNumber=37828224631xxxx
card_expirationMonth=12
card_expirationYear=2020
card_cvNumber=123
card_cardType=003
paymentNetworkToken_transactionType=1
paymentSolution=001
Response 
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=ACCEPT
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example: Merchant Decryption and American Express

Request 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>37828224631xxxx</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
        <cvNumber>123</cvNumber>
        <cardType>003</cardType>
    </card>
    <ccAuthService run="true">
        <cavv>ABCDEFabcdefABCDEFabcdef0987654321234567</cavv>
        <commerceIndicator>aesk</commerceIndicator>
    </ccAuthService>
    <paymentNetworkToken>
        <transactionType>1</transactionType> 
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using Merchant Decryption for Discover

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
Set this field to the payment network token value.
card_expirationMonth
Set this field to the value from the payment network token expiration month.
card_expirationYear
Set this field to the value from the payment network token expiration year.
ccAuthService_cavv
For a transaction that uses 3-D Secure, set this field to the 3-D Secure cryptogram.
ccAuthService_commerceIndicator
For a transaction that does not use 3-D Secure, set this field to
internet
.
For a transaction that uses 3-D Secure, set this field to
dipb
.
ccAuthService_networkTokenCryptogram
Set this field to the network token cryptogram.
ccAuthService_run
Set this field to
true
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

NVP Example: Merchant Decryption and Discover

Request
ccAuthService_run=true
ccAuthService_cavv=ABCDEFabcdefABCDEFabcdef0987654321234567
ccAuthService_commerceIndicator=dipb
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purhcaseTotals_grandTotalAmount=5.00
card_accountNumber=601111111111xxxx
card_expirationMonth=12
card_expirationYear=2020
card_cvNumber=123
card_cardType=004
paymentNetworkToken_transactionType=1
paymentSolution=001
Response
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=ACCEPT
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example: Merchant Decryption and Discover

Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
    <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>601111111111xxxx</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
        <cvNumber>123</cvNumber>
        <cardType>004</cardType>
    </card>
    <ccAuthService run="true">
        <cavv>ABCDEFabcdefABCDEFabcdef0987654321234567</cavv>
        <commerceIndicator>dipb</commerceIndicator>
    </ccAuthService>
    <paymentNetworkToken> 
        <transactionType>1</transactionType> 
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using Merchant Decryption for Mastercard

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
Set this field to the payment network token value.
card_expirationMonth
Set this field to the value from the payment network token expiration month.
card_expirationYear
Set this field to the value from the payment network token expiration year.
ccAuthService_commerceIndicator
For a transaction that does not use 3-D Secure, set this field to
internet
.
For a transaction that uses 3-D Secure, set this field to
spa
.
ccAuthService_networkTokenCryptogram
Set this field to the network token cryptogram.
ccAuthService_run
Set this field to
true
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.
ucaf_authenticationData
For a transaction that uses 3-D Secure, set this field to the 3-D Secure cryptogram.
ucaf_collectionIndicator
Set this field to
2
.

NVP Example: Merchant Decryption and Mastercard

Request
ccAuthService_run=true
ccAuthService_commerceIndicator=spa
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchastTotals_grandTotalAmount=5.00
card_accountNumber=555555555555xxxx
card_expirationMonth=12
card_expirationYear=2020
card_cvnNumber=123
card_cardType=002
ucaf_authenticationData=ABCDEFabcdefABCDscdef0987654321234567
ucaf_collectionIndicator=2
 
paymentNetworkToken_transactionType=1
paymentSolution=001
Response
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=accept
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example: Merchant Decryption and Mastercard

Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>555555555555xxxx</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
        <cvNumber>123</cvNumber>
        <cardType>002</cardType>
    </card>
    <ucaf>
        <authenticationData>ABCDEFabcdefABCDscdef0987654321234567</authenticationData>
        <collectionIndicator>2</collectionIndicator>
    </ucaf>
    <ccAuthService run="true">
        <commerceIndicator>spa</commerceIndicator>
    </ccAuthService> 
    <paymentNetworkToken>
        <requestorID>987654321plokijuhygtfrdeswa</requestorID> <!-- Required only for GPXVisa Platform Connect and GPXVisa Platform Connect. -->
        <transactionType>1</transactionType> 
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using Merchant Decryption for Visa

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
Set this field to the payment network token value.
card_expirationMonth
Set this field to the value from the payment network token expiration month.
card_expirationYear
Set this field to the value from the payment network token expiration year.
ccAuthService_cavv
For a card that supports 3-D Secure, set this field to the 3-D Secure cryptogram.
ccAuthService_commerceIndicator
For a transaction that does not use 3-D Secure, set this field to the ECI value contained in the Apple Pay response payload.
For a transaction that uses 3-D Secure, set this field to
5
 (
vbv
).
ccAuthService_networkTokenCryptogram
Set this field to the network token cryptogram.
ccAuthService_run
Set this field to
true
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

NVP Example: Merchant Decryption and Visa

Request
ccAuthService_run=true
ccAuthService_cavv=ABCDEFabcdefABCDEFabcdef0987654321234567
ccAuthService_commerceIndicator=internet
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchastTotals_grandTotalAmount=5.00
card_accountNumber=4111111111111111
card_expirationMonth=12
card_expirationYear=2020
card_cvnNumber=123
card_cardType=001
 
paymentNetworkToken_transactionType=1
paymentSolution=001
Response
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=accept
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

XML Example: Merchant Decryption and Visa

Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>4111111111111111</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
        <cvNumber>123</cvNumber>
        <cardType>001</cardType>
    </card>
    <ccAuthService run="true">
        <cavv>ABCDEFabcdefABCDEFabcdef0987654321234567</cavv>
        <commerceIndicator>internet</commerceIndicator>
    </ccAuthService>
    <paymentNetworkToken>
        <requestorID>987654321plokijuhygtfrdeswa</requestorID> <!-- Required only for 
GPXVisa Platform Connect and GPXVisa Platform Connect
. -->
        <transactionType>1</transactionType> 
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Authorizations Using
Cybersource
 Decryption for American Express

This section shows you how to process an authorization using
Cybersource
 decryption for American Express.

Required Fields for Authorizing a Payment Using
Cybersource
 Decryption for American Express

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
ccAuthService_run
Set this field to
true
.
encryptedPayment_data
Set this field to the Base64-encoded value obtained from the
paymentData
 property of the
PKPaymentToken
 object.
encryptedPayment_descriptor
Set this field to
RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
.
merchantID
merchantReferenceCode
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Optional Fields for Authorizing a Payment for Apple Pay Transactions

You can include these optional fields in a request for an authorization:
paymentNetworkToken_requestorID
Set this field to your token requestor ID that is assigned by the token service provider.

Simple Order XML Example:
Cybersource
 Decryption and American Express

Authorizations Using
Cybersource
 Decryption for Discover

This section provides the information you need in order to process an authorization using
Cybersource
 decryption for Discover.

Required Fields for Authorizing a Payment Using
Cybersource
 Decryption for Discover

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
ccAuthService_run
Set this field to
true
.
encryptedPayment_data
Set this field to the Base64-encoded value obtained from the
paymentData
 property of the
PKPaymentToken
 object.
encryptedPayment_descriptor
Set this field to
RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
.
merchantID
merchantReferenceCode
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Simple Order XML Example:
Cybersource
 Decryption and Discover

Authorizations Using
Cybersource
 Decryption for Mastercard

This section provides the information you need in order to process an authorization using
Cybersource
 decryption for Mastercard.

Required Fields for Authorizing a Payment Using
Cybersource
 Decryption for Mastercard

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
ccAuthService_run
Set this field to
true
.
encryptedPayment_data
Set this field to the Base64-encoded value obtained from the
paymentData
 property of the
PKPaymentToken
 object.
encryptedPayment_descriptor
Set this field to
RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
.
merchantID
merchantReferenceCode
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Simple Order XML Example:
Cybersource
 Decryption for Mastercard

Authorizations Using
Cybersource
 Decryption for Visa

This section provides the information you need in order to process an authorization using
Cybersource
 decryption for Visa.

Required Fields for Authorizing a Payment Using
Cybersource
 Decryption for Visa

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
ccAuthService_run
Set this field to
true
.
encryptedPayment_data
Set this field to the Base64-encoded value obtained from the
paymentData
 property of the
PKPaymentToken
 object.
encryptedPayment_descriptor
Set this field to
RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U
.
merchantID
merchantReferenceCode
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Simple Order XML Example:
Cybersource
 Decryption for Visa

Authorizations Using Merchant Decryption for American Express

This section provides the information you need in order to process an authorization using merchant decryption for American Express.

Required Fields for Authorizing a Payment Using Merchant Decryption for American Express

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
Set this field to the payment network token value.
card_expirationMonth
Set this field to the value from the payment network token expiration month.
card_expirationYear
Set this field to the value from the payment network token expiration year.
ccAuthService_cavv
Set this field to the network token cryptogram.
ccAuthService_commerceIndicator
Set this field to
internet
.
ccAuthService_networkTokenCryptogram
Set this field to the network token cryptogram.
Include the whole 20-byte cryptogram in the
ccAuthService_networkTokenCryptogram
 field. For a 40-byte cryptogram, split the cryptogram into two 20-byte binary values (block A and block B). Set the
ccAuthService_networkTokenCryptogram
 field to the block A value and set the
ccAuthService_xid
 field to the block B value.
ccAuthService_run
Set this field to
true
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Simple Order XML Example: Merchant Decryption and American Express

Authorizations Using Merchant Decryption for Discover

This section provides the information you need in order to process an authorization using merchant decryption for Discover.

Required Fields for Authorizing a Payment Using Merchant Decryption for Discover

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
Set this field to the payment network token value.
card_expirationMonth
Set this field to the value from the payment network token expiration month.
card_expirationYear
Set this field to the value from the payment network token expiration year.
ccAuthService_cavv
Set this field to the network token cryptogram.
ccAuthService_commerceIndicator
Set this field to
internet
.
ccAuthService_networkTokenCryptogram
Set this field to the network token cryptogram.
ccAuthService_run
Set this field to
true
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Simple Order XML Example: Merchant Decryption and Discover

Authorizations Using Merchant Decryption for Mastercard

This section provides the information you need in order to process an authorization using merchant decryption for Mastercard.

Required Fields for Authorizing a Payment Using Merchant Decryption for Mastercard

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
Set this field to the payment network token value.
card_expirationMonth
Set this field to the value from the payment network token expiration month.
card_expirationYear
Set this field to the value from the payment network token expiration year.
ccAuthService_commerceIndicator
Set this field to
internet
.
ccAuthService_networkTokenCryptogram
Set this field to the network token cryptogram.
ccAuthService_run
Set this field to
true
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.
ucaf_authenticationData
Set this field to the network token cryptogram.
ucaf_collectionIndicator
Set this field to
2
.

Simple Order XML Example: Merchant Decryption and Mastercard

Authorizations Using Merchant Decryption for Visa

This section provides the information you need in order to process an authorization using merchant decryption for Visa.

Required Fields for Authorizing a Payment Using Merchant Decryption for Visa

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
Set this field to the payment network token value.
card_expirationMonth
Set this field to the value from the payment network token expiration month.
card_expirationYear
Set this field to the value from the payment network token expiration year.
ccAuthService_cavv
Set this field to the network token cryptogram.
ccAuthService_commerceIndicator
Set this field to the ECI value contained in the Apple Pay response payload.
ccAuthService_networkTokenCryptogram
Set this field to the network token cryptogram.
ccAuthService_run
Set this field to
true
.
merchantID
merchantReferenceCode
paymentNetworkToken_transactionType
Set this field to
1
.
paymentSolution
Set this field to
001
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Simple Order XML Example: Merchant Decryption and Visa

Authorization Reversals

This section provides the information you need in order to process an authorization reversal.
Reversing an authorization releases the hold on the customer’s payment card funds that the issuing bank placed when processing the authorization.

Endpoint

Set the
ccAuthReversalService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.

Required Fields for Processing an Authorization Reversal

ccAuthReversalService_authRequestID
Set this field to the request ID that was included in the authorization response message.
ccAuthReversalService_run
Set the value to
true
.
merchantReferenceCode
merchantTransactionIdentifier
purchaseTotals_currency
purchaseTotals_grandTotalAmount
The amount of the reversal must be the same as the authorization amount that was included in the authorization response message. Do not use the amount that was requested in the authorization request message.

Simple Order Example: Processing an Authorization Reversal

Captures

This section provides the information you need in order to capture an authorized transaction.

Endpoint

Set the
ccCaptureService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.

Required Fields for Capturing an Authorization

Use these required fields for capturing an authorization.
ccCaptureService_authRequestID
ccCaptureService_run
merchantID
merchantReferenceCode
Set the value to
merchant_ref_number
 value used in corresponding authorization request.
purchaseTotals_currency
purchaseTotals_grandTotalAmount

Simple Order Example: Capturing an Authorization

Sales

This section provides the information you need in order to process a sale transactions.
A sale combines an authorization and a capture into a single transaction.

Endpoint

Set the
ccAuthService_run
 field to
true
, and the
ccCaptureService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.

Required Fields for Processing a Sale

Use these required fields for processing a sale.
billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
card_cardType
card_expirationMonth
card_expirationYear
ccAuthService_commerceIndicator
ccAuthService_run
Set the value to
true
.
ccCaptureService_run
Set the value to
true
.
merchantID
purchaseTotals_currency
purchaseTotals_grandTotalAmount

Simple Order Example: Processing a Sale

Light Dark
Request 
123456789101112131415161718192021222324252627
<="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <encryptedPayment>
        <descriptor>RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U</descriptor>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <encoding>Base64</encoding>
    </encryptedPayment>
    <card>
        <cardType>003</cardType>
    </card>
    <paymentSolution>001</paymentSolution>
</>
Request
123456789101112131415161718192021222324252627
<="urn:schemas-nab.com.au:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <encryptedPayment>
        <descriptor>RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U</descriptor>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <encoding>Base64</encoding>
    </encryptedPayment>
    <card>
        <cardType>003</cardType>
    </card>
    <paymentSolution>001</paymentSolution>
</>
Response to a Successful Request 
1234567891011121314151617181920212223242526
<:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:token>
        <c:expirationMonth>07</c:expirationMonth>
        <c:expirationYear>2025</c:expirationYear>
        <c:prefix>239845</c:prefix>
        <c:suffix>2947</c:suffix>
    </c:token>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
    <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:>
Light Dark
Request
12345678910111213141516171819202122232425262728
<="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <encryptedPayment>
        <descriptor>RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U</descriptor>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <encoding>Base64</encoding>
    </encryptedPayment>
    <card>
        <cardType>004</cardType>
    </card>
    <paymentSolution>001</paymentSolution>
    <ccAuthService run="true"/>
</requestMessage>
Response to a Successful Request
1234567891011121314151617181920212223242526
<:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:token>
        <c:expirationMonth>07</c:expirationMonth>
        <c:expirationYear>2025</c:expirationYear>
        <c:prefix>239845</c:prefix>
        <c:suffix>2947</c:suffix>
    </c:token>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>
Light Dark
Request
12345678910111213141516171819202122232425262728
<="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <encryptedPayment>
        <descriptor>RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U</descriptor>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <encoding>Base64</encoding>
    </encryptedPayment>
    <card>
        <cardType>002</cardType>
    </card>
    <ccAuthService run="true"/>
    <paymentSolution>001</paymentSolution>
</>
Response to a Successful Request
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<:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:token>
        <c:expirationMonth>07</c:expirationMonth>
        <c:expirationYear>2025</c:expirationYear>
        <c:prefix>239845</c:prefix>
        <c:suffix>2947</c:suffix>
    </c:token>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>
Light Dark
Request
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<="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <encryptedPayment>
        <descriptor>RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U</descriptor>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <encoding>Base64</encoding>
    </encryptedPayment>
    <card>
        <cardType>001</cardType>
    </card>
    <ccAuthService run="true"/>
    <paymentSolution>001</paymentSolution>
</>
Response to a Successful Request
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<:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:token>
        <c:expirationMonth>07</c:expirationMonth>
        <c:expirationYear>2025</c:expirationYear>
        <c:prefix>239845</c:prefix>
        <c:suffix>2947</c:suffix>
    </c:token>
    </c:purchaseTotals>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:>
Light Dark
Request 
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<="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>37828224631xxxx</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
        <cvNumber>123</cvNumber>
        <cardType>003</cardType>
    </card>
    <ccAuthService run="true">
        <cavv>ABCDEFabcdefABCDEFabcdef0987654321234567</cavv>
        <commerceIndicator>aesk</commerceIndicator>
    </ccAuthService>
    <paymentNetworkToken>
        <transactionType>1</transactionType> 
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response to a Successful Request
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<:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:>
Light Dark
Request
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<="urn:schemas-cybersource-comtransaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
    <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>601111111111xxxx</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
        <cvNumber>123</cvNumber>
        <cardType>004</cardType>
    </card>
    <ccAuthService run="true">
        <cavv>ABCDEFabcdefABCDEFabcdef0987654321234567</cavv>
        <commerceIndicator>dipb</commerceIndicator>
    </ccAuthService>
    <paymentNetworkToken> 
        <transactionType>1</transactionType> 
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</requestMessage>
Response to a Successful Request
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<:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>
Light Dark
Request
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<="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>555555555555xxxx</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
        <cvNumber>123</cvNumber>
        <cardType>002</cardType>
    </card>
    <ucaf>
        <authenticationData>ABCDEFabcdefABCDscdef0987654321234567</authenticationData>
        <collectionIndicator>2</collectionIndicator>
    </ucaf>
    <ccAuthService run="true">
        <commerceIndicator>spa</commerceIndicator>
    </ccAuthService> 
    <paymentNetworkToken>
        <transactionType>1</transactionType> 
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</>
Response to a Successful Request
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<:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>
Light Dark
Request
123456789101112131415161718192021222324252627282930313233
<="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>4111111111111111</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
        <cvNumber>123</cvNumber>
        <cardType>001</cardType>
    </card>
    <ccAuthService run="true">
        <cavv>ABCDEFabcdefABCDEFabcdef0987654321234567</cavv>
        <commerceIndicator>internet</commerceIndicator>
    </ccAuthService>
    <paymentNetworkToken>
        <transactionType>1</transactionType> 
    </paymentNetworkToken>
    <paymentSolution>001</paymentSolution>
</>
Response to a Successful Request
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<:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:requestToken>Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u</c:requestToken>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>
Light Dark
Request
12345
ccAuthReversalService=6522033834410167772169
ccAuthReversalService_run=true
merchantReferenceCode=482046C3A7E94F5BD1FE3C66C
merchantTransactionIdentifier=Napa Valley Vacations
purchaseTotals_currency==49.95
Light Dark
Response to a Successful Request
123456
requestID=1019827520348290570293=482046C3A7E94F5BD1FE3C66C
decision=ACCEPT
reasonCode=100
ccAuthReversalReply_amount=49.95
purchaseTotals_currency=USD
ccAuthReversalReply_reasonCode=100=1094820975023470
Light Dark
Request
1234
ccCaptureService=6629978499572480812782
ccCaptureService_run=true
merchantID=npr_paymentech
merchantReferenceCode=TC42703-1=100.00
Light Dark
Response to a Successful Request
12345
ccCaptureReply=100.00
ccCaptureReply_requestDateTime=2022-09-12T173947Z
decision=ACCEPT
merchantReferenceCode=TC42703-1
purchaseTotals_currency==6630043878211258349460
Light Dark
Request
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ccAuthService_run=true
ccCaptureService_run=true
merchantID=Napa Valley Vacations
merchantReferenceCode=482046C3A7E94F5
billTo_firstName=John
billTo_lastName=Doe
billTo_street1=1295 Charleston Rd.
billTo_city=Mountain View
billTo_state=CA
billTo_postalCode=94043
billTo_country=US
billTo_phoneNumber=650-965-6000
billTo_email=jdoe@example.com
item_0_unitPrice=49.95
item_0_quantity=1
purchaseTotals_currency=USD
card_expirationMonth=12
card_expirationYear=2031
card_accountNumber=4111111111111111
card_cardType=001
Light Dark
Response to a Successful Request
Most processors do not return all of the fields shown in this example.
12345678910111213141516171819
requestID=0305782650000167905080
decision=ACCEPT
reasonCode=100
merchantReferenceCode=482046C3A7E94F5
purchaseTotals_currency=USD
ccAuthReply_reconciliationID=ABCDE12345FGHIJ67890
ccAuthReply_cardCategory=F^
ccAuthReply_cardGroup=0
ccAuthReply_reasonCode=100
ccAuthReply_amount=49.95
ccAuthReply_accountBalance=50.05
ccAuthReply_authorizationCode=123456
ccAuthReply_avsCode=Y
ccAuthReply_avsCodeRaw=YYY
ccAuthReply_processorResponse=A
ccAuthReply_paymentNetworkTransactionID=3312345
ccCaptureReply_amount=49.95
ccCaptureReply_reasonCode=100
ccCaptureReply_reconciliationID=1094820975023470