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VISA Platform Connect: Specifications and Conditions for Resellers/Partners

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

Card-Present Payment Processing

Card-Present Authorizations
- Authorization with Contact EMV and Online PIN
  - Required Fields for Processing an Authorization with Contact EMV and Online PIN
    - Country-Specific Required Fields for Processing an Authorization with Contact EMV or Contactless PIN
  - REST Example: Processing an Authorization with Contact EMV and Online PIN
- Authorization with Contact EMV and Offline PIN
  - Required Fields for Processing an Authorization with Contact EMV and Offline PIN
    - Country-Specific Required Fields for Processing an Authorization with Contact EMV or Contactless PIN
  - REST Example: Processing an Authorization with Contact EMV and Offline PIN
- Authorization with Contactless EMV and Online PIN
  - Required Fields for Processing an Authorization with Contactless EMV and Online PIN
  - REST Example: Processing an Authorization with Contactless EMV and Online PIN
- Authorizations with Magnetic Stripe Swipes
  - Required Fields for Processing an Authorization with Swiped Track Data
  - REST Example: Processing an Authorization with Swiped Track Data
- Authorizations with Hand-Keyed Data
  - Required Fields for Processing an Authorization with Hand Keyed Data
  - REST Example: Processing an Authorization with Hand Keyed Data
- Authorization for a Cash Advance with a Credit Card
  - Required Fields for Processing an Authorization for a Cash Advance
  - Optional Fields for Processing an Authorization for a Cash Advance
  - REST Example: Processing an Authorization for a Cash Advance
  - Response Codes from an Authorization for a Cash Advance

Captures
- Required Fields for Capturing an Authorization
- REST Example: Capturing an Authorization

Capture for a Contact EMV Authorization
- Required Fields for Capturing a Contact EMV Authorization
- REST Example: Capturing a Contact EMV Authorization

Stand-Alone Credit
- Required Fields for Processing a Stand-Alone Credit
- REST Interactive Example: Processing a Stand-Alone Credit
- REST Example: Processing a Stand-Alone Credit

Authorization Reversals
- Required Fields for Processing an Authorization Reversal
- REST Example: Processing an Authorization Reversal

Void
- Required Fields for Processing a Void
- REST Example: Processing a Void

Timeout Void for a Capture, Sale, Refund, or Credit
- Required Fields for Processing a Timeout Void for a Capture, Sale, Refund, or Credit
- REST Example: Processing a Timeout Void for a Capture, Sale, Refund, or Credit

Card-Present Mobile Point-of-Sale Payment Processing
- Authorization with an mPOS Using an Embedded Reader and Software PIN Entry
  - Required Fields for Processing an Authorization with an mPOS Using an Embedded Reader and Software PIN Entry
  - REST Example: Processing an Authorization with an mPOS Using an Embedded Reader and Software PIN Entry for Mastercard
  - REST Example: Processing an Authorization with an mPOS Using an Embedded Reader and Software PIN Entry for Visa
- Authorization with an mPOS Using an Embedded Reader and Software with No PIN Entry
  - Required Fields for Processing an Authorization with an mPOS Using an Embedded Reader and Software with No PIN Entry
  - REST Example: Processing an Authorization with an mPOS Using an Embedded Reader and Software with No PIN Entry for Mastercard
  - REST Example: Processing an Authorization with an mPOS Using an Embedded Reader and Software with No PIN Entry for Visa
- Authorization with an mPOS Using an External, Contact-Only Reader with No PIN Entry
  - Required Fields for Processing an Authorization with an mPOS Using an External, Contact-Only Reader with No PIN Entry
  - REST Example: Processing an Authorization with an mPOS Using an External, Contact-Only Reader with No PIN Entry for Mastercard
  - REST Example: Processing an Authorization with an mPOS Using an External, Contact-Only Reader with No PIN Entry for Visa
- Authorization with an mPOS Using an External Reader and Hardware PIN Entry
  - Required Fields for Processing an Authorization with an mPOS Using an External Reader and Hardware PIN Entry
  - REST Example: Processing an Authorization with an mPOS Using an External Reader and Hardware PIN Entry for Mastercard
  - REST Example: Processing an Authorization with an mPOS Using an External Reader and Hardware PIN Entry for Visa
- Authorization with an mPOS Using an External Reader and Software PIN Entry
  - Required Fields for Processing an Authorization with an mPOS Using an External Reader and Software PIN Entry
  - REST Example: Processing an Authorization with an mPOS Using an External Reader and Software PIN Entry for Mastercard
  - REST Example: Processing an Authorization with an mPOS Using an External Reader and Software PIN Entry for Visa
- Sale with an mPOS Using an Embedded Reader and Software PIN Entry
  - Required Fields for Processing a Sale with an mPOS Using an Embedded Reader and Software PIN Entry
  - REST Example: Processing a Sale with an mPOS Using an Embedded Reader and Software PIN Entry for Mastercard
  - REST Example: Processing a Sale with an mPOS Using an Embedded Reader and Software PIN Entry for Visa
- Sale with an mPOS Using an Embedded Reader and Software with No PIN Entry
  - Required Fields for Processing a Sale with an mPOS Using an Embedded Reader and Software with No PIN Entry
  - REST Example: Processing a Sale with an mPOS Using an Embedded Reader and Software with No PIN Entry for Mastercard
  - REST Example: Processing a Sale with an mPOS Using an Embedded Reader and Software with No PIN Entry for Visa
- Sale with an mPOS Using an External, Contact-Only Reader with No PIN Entry
  - Required Fields for Processing a Sale with an mPOS Using an External, Contact-Only Reader with No PIN Entry
  - REST Example: Processing a Sale with an mPOS Using an External, Contact-Only Reader with No PIN Entry for Mastercard
  - REST Example: Processing a Sale with an mPOS Using an External, Contact-Only Reader with No PIN Entry for Visa
- Sale with an mPOS Using an External Reader and Hardware PIN Entry
  - Required Fields for Processing a Sale with an mPOS Using an External Reader and Hardware PIN Entry
  - REST Example: Processing a Sale with an mPOS Using an External Reader and Hardware PIN Entry for Mastercard
  - REST Example: Processing a Sale with an mPOS Using an External Reader and Hardware PIN Entry for Visa
- Sale with an mPOS Using an External Reader and Software PIN Entry
  - Required Fields for Processing a Sale with an mPOS Using an External Reader and Software PIN Entry
  - REST Example: Processing a Sale with an mPOS Using an External Reader and Software PIN Entry for Mastercard
  - REST Example: Processing a Sale with an mPOS Using an External Reader and Software PIN Entry for Visa

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
- Optional Features
  - Cash Back
  - Merchant Descriptors
  - Merchant-Inititated Reversals
  - Partial Authorizations
  - Payment Network Tokens
  - Surcharge Fees

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

On This Page

REST API | Visa Platform Connect

Merchant Descriptors

This feature enables you to submit merchant descriptor values that are displayed on a cardholder's statement.

IMPORTANT

Before using merchant descriptors in your requests, check with your bank to learn whether you must pre-register your merchant descriptor information with them.

Cybersource always provides merchant descriptor information to the acquirer for all of your PIN debit purchase and PIN debit credit transactions. When you do not include a particular merchant descriptor in your PIN debit purchase or PIN debit credit request, Cybersource uses the corresponding value from your merchant account.

Merchant Descriptor Fields

You can include these merchant descriptor fields in a PIN debit purchase or PIN debit credit:

merchantInformation.merchantDescriptor.administrativeArea: If you include this field in a request, you must also include
merchantInformation.merchantDescriptor.country
.
merchantInformation.merchantDescriptor.alternateName
merchantInformation.merchantDescriptor.country: If you include this field in a request, you must also include
merchantInformation.merchantDescriptor.administrativeArea
.
merchantInformation.merchantDescriptor.locality
merchantInformation.merchantDescriptor.name
merchantInformation.merchantDescriptor.postalCode