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Authorization with an mPOS Using an Embedded Reader and Software with No PIN Entry

This section describes how to process a mobile point-of-sale (mPOS) authorization using an embedded reader and software with no PIN entry. This type of transaction is also known as a Tap to Phone with no PIN transaction.

Fields Specific to This Use Case

These API fields and values are specific to this use case:

Endpoint

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

Required Fields for Processing an Authorization with an mPOS Using an Embedded Reader and Software with No PIN Entry

Mastercard-Specific Field

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

REST Example: Processing an Authorization with an mPOS Using an Embedded Reader and Software with No PIN Entry for Mastercard

Request
{
    "clientReferenceInformation" : {
       "code" : "123456",
       "transactionId": "12233445677",
       "partner": {
    	    "thirdPartyCertificationNumber":"123456789012"
       }
    },
    "processingInformation": {
        "commerceIndicator": "retail"	
        }  
    },
    "pointOfSaleInformation": {
        "trackData": "%B4111111111111111^TEST/CYBS         ^2512201019761100      00868000000?;",
        "catLevel": "6",
        "isDedicatedHardwareTerminal": "1",
        "terminalPinCapability": "0",
        "pinEntrySolution": "PCI-SPoC",
        "emv": {
            "cardSequenceNumber": "01",
             "tags": "9F3303204000950500000000009F3704518823719F100706011103A000009F260
        81E1756ED0E2134E29F36020015820200009C01009F1A0208409A030006219F02060000000020005
        F2A0208409F0306000000000000"
        },
        "entryMode": "contactless",
        "terminalCapability": "4"
    },
      "paymentInformation": {
        "card": {
          "type": "002"
    }
  },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "9900.00",
            "currency": "USD"
        }
    }
}
Response for a Successful Request
{
    "_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/6873925966666764004953/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/6873925966666764004953"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/6873925966666764004953/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "123456"
    },
    "id": "6873925966666764004953",
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "9900.00",
            "currency": "USD"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "002"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "002"
        },
        "card": {
            "type": "002"
        }
    },
    "pointOfSaleInformation": {
        "terminalId": "111111",
        "emv": {
            "tags": "9F02060000000009009C01009A030608025F2A0209789F1A0208409F260856BF2
        99472BDB0C782025C009F360245679F370412135414950540800080009F1E04001122339F1020060
        11A03900000112233445566778899AABBCCDD0390000011223344556677889F5301039F410301223
        39F03060001020304058407A00000000410109F2701809F34035E03009F090243219F3501059F330
        3E0B8C89110001122334455667788010203040506079F5B1000112233445566778801020304050607"
        }
    },
    "processorInformation": {
        "approvalCode": "888888",
        "networkTransactionId": "123456789619999",
        "transactionId": "123456789619999",
        "responseCode": "100",
        "avs": {
            "code": "1"
        }
    },
    "reconciliationId": "718515862J420LJ2",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2023-06-22T00:09:56Z"
}

REST Example: Processing an Authorization with an mPOS Using an Embedded Reader and Software with No PIN Entry for Visa

Request
{
    "clientReferenceInformation" : {
       "code" : "123456",
       "transactionId": "12233445677",
       "partner": {
              "thirdPartyCertificationNumber":"123456789012"
       }
    },
    "processingInformation": {
        "commerceIndicator": "retail"	
        }  
    },
    "pointOfSaleInformation": {
        "trackData": "%B4111111111111111^TEST/CYBS         ^2512201019761100      00868000000?;",
        "catLevel": "6",
        "terminalPinCapability": "0",
        "pinEntrySolution": "PCI-SPoC",
        "emv": {
            "cardSequenceNumber": "01",
             "tags": "9F3303204000950500000000009F3704518823719F100706011103A000009F260
        81E1756ED0E2134E29F36020015820200009C01009F1A0208409A030006219F02060000000020005
        F2A0208409F0306000000000000"
        },
        "entryMode": "contactless",
        "terminalCapability": "4"
    },
      "paymentInformation": {
        "card": {
          "type": "001"
    }
  },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "9900.00",
            "currency": "USD"
        }
    }
}
Response for a Successful Request
{
    "_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/6873925966666764004953/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/6873925966666764004953"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/6873925966666764004953/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "123456"
    },
    "id": "6873925966666764004953",
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "9900.00",
            "currency": "USD"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "001"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "001"
        },
        "card": {
            "type": "001"
        }
    },
    "pointOfSaleInformation": {
        "terminalId": "111111",
        "emv": {
            "tags": "9F02060000000009009C01009A030608025F2A0209789F1A0208409F260856BF2
        99472BDB0C782025C009F360245679F370412135414950540800080009F1E04001122339F1020060
        11A03900000112233445566778899AABBCCDD0390000011223344556677889F5301039F410301223
        39F03060001020304058407A00000000410109F2701809F34035E03009F090243219F3501059F330
        3E0B8C89110001122334455667788010203040506079F5B1000112233445566778801020304050607"
        }
    },
    "processorInformation": {
        "approvalCode": "888888",
        "networkTransactionId": "123456789619999",
        "transactionId": "123456789619999",
        "responseCode": "100",
        "avs": {
            "code": "1"
        }
    },
    "reconciliationId": "718515862J420LJ2",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2023-06-22T00:09:56Z"
}