API Overview

Card Present Connect | Retail Integration Guide
- Recent Revisions to This Document
- VISA Platform Connect: Specifications and Conditions for Resellers/Partners

Introduction to Card Present Connect | Retail
- Enabling the Card Present Connect Platform
- Card-Present Entry Modes
  - EMV Entry Modes
  - Magnetic Stripe Entry Mode
  - Hand-Keyed Entry Mode
- Card-Present Transaction Risk Control Requirements

Retail Payment Services Using EMV and Card Data
- Retail EMV and Card Data
- Authorization with Contact EMV and Online PIN
- Authorization with Contact EMV and Offline PIN
- Authorization with Contactless EMV and Online PIN
- Authorization with Magnetic Stripe Swipe
- Authorizations with Hand-Keyed Data
- Authorization for Cash Advance with Credit Card
- Authorization Reversal
- Captures
- Capture for Contact EMV Authorization
- Stand-Alone Credit
- Void for a Capture or Credit
- Timeout Void for a Capture, Sale, Refund, or Credit

Introduction to PIN Debit Processing
- PIN Debit Integration
- PIN Debit Transactions
- PIN Debit Network Routing
- PIN Debit Processing Versus Credit Card Processing
- PIN Debit Reconciliation
- Track Data
- Terminal IDs
- Electronic Benefit Transfer

PIN Debit Optional Features

PIN Debit Services
- PIN Debit Purchase with Contactless EMV
- PIN Debit Purchase with Contact EMV
- PIN Debit Purchase with Contactless EMV and Cash Back
- PIN Debit Purchase with Swiped Track Data and Merchant Descriptors
- PIN Debit Partial Authorization with Swiped Track Data
- PIN Debit Purchase with Contactless EMV and a Surcharge Fee
- PIN Debit Balance Inquiry with Contactless EMV
- PIN Debit Balance Inquiry with Swiped Track Data
- PIN Debit Credit with Swiped Track Data
- PIN Debit Credit with Contactless EMV
- Reverse a PIN Debit Purchase or Credit
- PIN Debit EBT Purchase with a SNAP Voucher
- PIN Debit EBT Purchase with SNAP Account Swiped Track Data
- PIN Debit EBT Purchase with SNAP Account Swiped Track Data and Balance Inquiry
- PIN Debit EBT Purchase with a Cash Benefits Account Swiped Track Data and Cash Back
- Credit a PIN Debit EBT Purchase with SNAP Account
- Reverse a PIN Debit EBT Purchase

Mobile Point-of-Sale Payment Services
- Supported Mobile Point-of-Sale Solutions
- Authorization with an mPOS Using an Embedded Reader and Software PIN Entry
- Authorization with an mPOS Using an Embedded Reader and Software with No PIN Entry
- Authorization with an mPOS Using an External, Contact-Only Reader with No PIN Entry
- Authorization with an mPOS Using an External Reader and Hardware PIN Entry
- Authorization with an mPOS Using an External Reader and Software PIN Entry
- Sale with an mPOS Using an Embedded Reader and Software PIN Entry
- Sale with an mPOS Using an Embedded Reader and Software with No PIN Entry
- Sale with an mPOS Using an External, Contact-Only Reader with No PIN Entry
- Sale with an mPOS Using an External Reader and Hardware PIN Entry
- Sale with an mPOS Using an External Reader and Software PIN Entry

Dynamic Currency Conversion Payment Services
- Authorization with Dynamic Currency Conversion
- Capture with Dynamic Currency Conversion
- Sale with Dynamic Currency Conversion
- Stand-Alone Credit with Dynamic Currency Conversion

Retail Message-Level Validation Test Cases

On This Page

Card-Present Entry Modes

A card-present transaction occurs when a customer presents their payment card at a physical retail location to complete a purchase. These transactions are processed using point-of-sale (POS) terminals, mobile POS (mPOS) devices, or unattended payment terminals.

These are the entry modes for card-present transactions:

EMV (chip-based): Having contact or contactless (tap) interaction with the terminal.
Magnetic stripe: Swiping the card in the terminal.
Hand-keyed: Manually entering card details when EMV or magnetic stripe data is unavailable.

Card-present transactions are typically more secure than card-not-present transactions because the cardholder and payment card are present. However, these transactions still requires standard risk control measures. For more information, see Card-Present Risk Control Requirements.

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