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Authorization with Contactless EMV and Online PIN

For an EMV contactless payment, the customer taps the card on the terminal. The terminal and chip use near-field communication (NFC) to communicate with each other. For an online PIN transaction, the customer uses a PIN to verify their identity and the issuer verifies the PIN.
Online PIN transactions are supported by these card types:
  • Visa
  • Mastercard
  • American Express
  • Discover

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments

REST Example: Processing an Authorization with Contactless EMV and Online PIN

Request
{
  "clientReferenceInformation": {
    "code": "test123",
    "transactionId": "uniqueValue3",
    "partner": {
      "thirdPartyCertificationNumber": "testTPCN"
    }
  },
  "processingInformation": {
    "commerceIndicator": "retail",
    "authorizationOptions": {
      "partialAuthIndicator": "true"
    }
  },
  "paymentInformation": {
     "card": {
        "type": "001"
       }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "9900.00",
      "currency": "USD"
    }
  },
  "pointOfSaleInformation": {
    "entryMode": "contactless",
    "terminalCapability": 4,
     "terminalPinCapability": 6,
    "emv": {
      "tags": "5F3401019F3303E0F8C8950580800480009F370465B81A3A9F100706011203A0A0009F2608E9D097D1901E8AB99F36020002820218009C01009F1A0208409A032307259F02060000000007005F2A0208409F0306000000000000DF78083831393931303236DF791B322D30323436362D312D31432D5246492D303331332D342E332E62",
      "cardSequenceNumber": "01"
    },
    "trackData": ";4761xxxxxxxxxxxx=251220111478549?",
    "pinBlockEncodingFormat":0,
    "encryptedPin": "F509429A3C3FD201",
    "encryptedKeySerialNumber": "FFFF1B1D140000200001"
  },
  	"merchantInformation": {
		"transactionLocalDateTime": "20230724085022"
	}
}
Response to a Successful Request
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6938904668436727104951/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6938904668436727104951"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6938904668436727104951/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "test123",
    "transactionId": "uniqueValue3"
  },
  "id": "6938904668436727104951",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "9900.00",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "accountFeatures": {
      "category": "A",
      "group": "0"
    },
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "emv": {
      "tags": "9F36020015910AB58D60185BEF0247303072179F180430303031860E04DA9F580903B1BAEDFD1438BA48"
    }
  },
  "processorInformation": {
    "systemTraceAuditNumber": "188851",
    "approvalCode": "831000",
    "networkTransactionId": "016153570198200",
    "retrievalReferenceNumber": "324705188851",
    "transactionId": "016153570198200",
    "responseCode": "00",
    "avs": {
      "code": "2"
    }
  },
  "reconciliationId": "6938904668436727104951",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-09-05T05:07:47Z"
}