REST Example: Bundled Authentication and Authorization with Mastercard Data Only

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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"
    }
}