Mastercard Data Only

Mastercard has a data-only data flow so merchants can share customer data with the issuers without going through authentication. The additional data provided to the issuer helps the issuer makes risk assessments about approving cardholder transactions. Data-only data flows are frictionless and do not affect the customer experience.
When sending a Mastercard Data Only check enrollment request, be sure to include:
  • All of the required fields.
  • Set the
    consumerAuthenticationInformation.messageCategory
     to
    80
    .
The response from the data-only request will include this data:
  • ECI =
    4
  • CAVV value
  • Directory server transaction ID
  • paresStatus =
    U
  • Risk score
  • Reason Code
This data from the response must be included in the Authorization request.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments
Light Dark
Request
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{"clientReferenceInformation": {
        "code": "test"
        },
    "orderInformation": {
        "amountDetails": {
            "currency": "USD",
            "totalAmount": "10.99"
            },
    "billTo": {
        "address1": "1 Market St",
        "address2": "Address 2",
        "administrativeArea": "CA",
        "country": "US",
        "locality": "san francisco",
        "firstName": "Test",
        "lastName": "Testlastname",
        "phoneNumber": "4158880000",
        "email": "test@cybs.com",
        "postalCode": "94105"
        }
    },
    "paymentInformation": {
        "card": {
            "expirationMonth": "05",
            "expirationYear": "2029",
            "number":"5200000000002805"
            }
        },
    "deviceInformation": {
        "httpAcceptBrowserValue": "data",
        "httpAcceptContent": "pa_http_user_accept_value",
        "httpBrowserLanguage": "en_us",
        "httpBrowserJavaEnabled": false,
        "httpBrowserJavaScriptEnabled": false,
        "httpBrowserColorDepth": "24",
        "httpBrowserScreenHeight": "864",
        "httpBrowserScreenWidth": "1536",
        "httpBrowserTimeDifference": "300",
        "userAgentBrowserValue": "123"
        },
    "consumerAuthenticationInformation": {
        "deviceChannel": "Browser",
        "messageCategory": "80",
        "scoreRequest": "N"
    }}
Response to Successful Request
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{
    "clientReferenceInformation": {
        "code": "test"
    },
    "consumerAuthenticationInformation": {
        "eciRaw": "04",
        "challengeRequired": "N",
        "authenticationTransactionId": "KjNeRerYgMLXJD8gzC51",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "effectiveAuthenticationType": "FR",
        "authorizationPayload": "eyJjb250YWluZXJWZXJzaW9uIjoiMSIsImVjaSI6IjA0IiwiYXV0aGVudGljYXRpb25WYWx1ZSI6IkFKa0JCa2hnUVFBQUFFNGdTRUp5ZFFBQUFBQT0iLCJlZm

ZlY3RpdmVBdXRoVHlwZSI6IkZSIiwiYWNzT3BlcmF0b3JJRCI6Ik1lcmNoYW50QUNTIiwidGhyZWVEU1JlcXVlc3RvckNoYWxsZW5nZUluZCI6IjAxIiwidHJhbnNTd

GF0dXMiOiJVIiwidHJhbnNTdGF0dXNSZWFzb24iOiI4MCIsImRzVHJhbnNJRCI6IjQxMzVkMzljLWNiNDMtNGM0Zi04MWJmLTliMzc5N2QzYjhmOSIsImFjc1RyYW

5zSUQiOiI5OWIzODcyYy04ZTM2LTQ5ZGQtYjgyNi1iNGYwYzU4M2Y4MjUiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMi4wIiwibWVyY2hhbnROYW1lIjoiUEFUZXN0NCIsInB1

cmNoYXNlRGF0ZSI6IjIwMjUwNDI1MDUzODAwIiwicHVyY2hhc2VBbW91bnQiOiIxMDk5IiwibWVyY2hhbnRDb3VudHJ5Q29kZSI6Ijg0MCIsImFjcXVpcmVyQklOIjoiO

TkwMDMzIiwiYWNxdWlyZXJNZXJjaGFudElEIjoiZGVmYXVsdCIsInRocmVlRFNSZXF1ZXN0b3JOYW1lIjoiQ0FSMTM0NzNfUEFUZXN0NCIsInRocmVlRFNSZXF1ZXN

0b3JJRCI6IkNBUjEzNDczX2RlZmF1bHQiLCJjYXJkQnJhbmQiOiJNQVNURVJDQVJEIn0=",
        "signedParesStatusReason": "80",
        "token": "AxjzbwSTlCspnzdze9IJAEQCTRdt8KnmkC4lp/UMm2OKOPlRqQoCwAAASAee",
        "paresStatus": "U",
        "acsReferenceNumber": "CardinalACS",
        "ucafCollectionIndicator": "4",
        "ucafAuthenticationData": "AJkBBkhgQQAAAE4gSEJydQAAAAA=",
        "directoryServerTransactionId": "4135d39c-cb43-4c4f-81bf-9b3797d3b8f9",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "9c4d80a0-1624-4061-8f08-78c59b335e8c",
        "acsOperatorID": "MerchantACS",
        "ecommerceIndicator": "spa",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "99b3872c-8e36-49dd-b826-b4f0c583f825"
    },
    "id": "7455594797856844403209",
    "paymentInformation": {
        "card": {
            "bin": "520000",
            "type": "MASTERCARD"
        }
    },
    "status": "AUTHENTICATION_SUCCESSFUL",
    "submitTimeUtc": "2025-04-25T05:38:01Z"
}
Light Dark
Request
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{
    "clientReferenceInformation": {
        "code": "test"
        },
    "orderInformation": {
        "amountDetails": {
            "currency": "USD",
            "totalAmount": "10.99"
            },
    "billTo": {
        "address1": "1 Market St",
        "address2": "Address 2",
        "administrativeArea": "CA",
        "country": "US",
        "locality": "san francisco",
        "firstName": "Test",
        "lastName": "Testlastname",
        "phoneNumber": "4158880000",
        "email": "test@cybs.com",
        "postalCode": "94105"
        }
    },
    "processingInformation": {
        "actionList": [
            "CONSUMER_AUTHENTICATION"
            ]
        },
    "paymentInformation": {
        "card": {
            "expirationMonth": "05",
            "expirationYear": "2029",
            "number":"5200000000002805"
            }
        },
    "deviceInformation": {
        "httpAcceptBrowserValue": "data",
        "httpAcceptContent": "pa_http_user_accept_value",
        "httpBrowserLanguage": "en_us",
        "httpBrowserJavaEnabled": false,
        "httpBrowserJavaScriptEnabled": false,
        "httpBrowserColorDepth": "24",
        "httpBrowserScreenHeight": "864",
        "httpBrowserScreenWidth": "1536",
        "httpBrowserTimeDifference": "300",
        "userAgentBrowserValue": "123"
        },
    "consumerAuthenticationInformation": {
        "deviceChannel": "Browser",
        "messageCategory": "80",
        "scoreRequest": "N"
        }}
Response to Successful Request
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{"_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/7455833000666819803209/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/7455833000666819803209"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/7455833000666819803209/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "test"
    },
    "consumerAuthenticationInformation": {
        "eciRaw": "04",
        "challengeRequired": "N",
        "authenticationTransactionId": "d94pknkLH4BhjWxylay1",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "effectiveAuthenticationType": "FR",
        "authorizationPayload": "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",
        "signedParesStatusReason": "80",
        "token": "Axj/7wSTlC5342kEkThJAEQs3aNWrhmzYMGDZs2cMXLhgzZMHKaLtwTRfAk0Xbgmi/pAuJaf3DJtjijj5UakLAtJyhc78bSCSJwkgAAA4wBh",
        "paresStatus": "U",
        "acsReferenceNumber": "CardinalACS",
        "ucafCollectionIndicator": "4",
        "ucafAuthenticationData": "AJkBBkhgQQAAAE4gSEJydQAAAAA=",
        "directoryServerTransactionId": "6a0f491a-b105-498f-9997-81a02b9971ca",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "319f6440-64d6-4d49-bd27-d190bd418599",
        "acsOperatorID": "MerchantACS",
        "ecommerceIndicator": "spa",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "e91a8472-24aa-44de-a54c-4aa145e7ccd3"
    },
    "id": "7455833000666819803209",
    "issuerInformation": {
        "clearingData": "6700040102F0F1"
    },
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "10.99",
            "currency": "USD"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "brandName": "MASTERCARD",
            "type": "002"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "002"
        },
        "card": {
            "bin": "520000",
            "type": "002"
        }
    },
    "processorInformation": {
        "systemTraceAuditNumber": "061923",
        "approvalCode": "831000",
        "merchantAdvice": {
            "code": "01",
            "codeRaw": "M001"
        },
        "responseDetails": "ABC",
        "networkTransactionId": "0425MCC444569",
        "retrievalReferenceNumber": "511512061923",
        "consumerAuthenticationResponse": {
            "code": "2",
            "codeRaw": "2"
        },
        "transactionId": "0425MCC444569",
        "responseCode": "00",
        "avs": {
            "code": "Y",
            "codeRaw": "Y"
        }
    },
    "reconciliationId": "7455833000666819803209",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2025-04-25T12:15:03Z",
    "tokenInformation": {
        "additionalInformation": "0"
    }
}