Visa Data Only

Visa 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 Visa Data Only check enrollment request, be sure to include:
  • All of the required fields.
  • Set the
    consumerAuthenticationInformation.challenge
     field to
    06
    .
The response from the data-only request will include this data:
  • ECI =
    07
  • PARes =
    I
  • <CAVV> value
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":"4000000000002024"
            }
        },
    "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",
        "challengeCode": "06"
        }}
Response to Successful Request
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{"clientReferenceInformation": {
        "code": "test"
    },
    "consumerAuthenticationInformation": {
        "eciRaw": "07",
        "authenticationTransactionId": "2DkdQ8ZG1urNNQR0XTM1",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "effectiveAuthenticationType": "FR",
        "authorizationPayload": "eyJjb250YWluZXJWZXJzaW9uIjoiMSIsImF1dGhlbnRpY2F0aW9uVmFsdWUiOiJBSmtCQmtoZ1FRQUFBRTRnU0VKeWRRQUFBQUE9IiwiZWZmZWN0aXZlQXV0aFR5cGUiOiJGUiIsImFjc09wZXJhdG9ySUQiOiJNZXJjaGFudEFDUyIsInRocmVlRFNSZXF1ZXN0b3JDaGFsbGVuZ2VJbmQiOiIwNiIsInRyYW5zU3RhdHVzIjoiSSIsImRzVHJhbnNJRCI6ImNlOGMzNTk1LTE4NjgtNDI0Mi1iM2VlLTM1Njg5ZGYyZjJjZSIsImFjc1RyYW5zSUQiOiIzMDQ3NTczZi01OTBlLTQ2YjUtODNmNC02YTQ5YzFiNDIzOWMiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMi4wIiwibWVyY2hhbnROYW1lIjoiUEFUZXN0NCIsInB1cmNoYXNlRGF0ZSI6IjIwMjUwNDI1MTA1ODQ1IiwicHVyY2hhc2VBbW91bnQiOiIxMDk5IiwibWVyY2hhbnRDb3VudHJ5Q29kZSI6Ijg0MCIsImFjcXVpcmVyQklOIjoiNDY5MjE2IiwiYWNxdWlyZXJNZXJjaGFudElEIjoiZGVmYXVsdCIsInRocmVlRFNSZXF1ZXN0b3JOYW1lIjoiUEFUZXN0NCIsInRocmVlRFNSZXF1ZXN0b3JJRCI6IjEwMDUyMjM2KjU1ZWYzZWZiZjcyM2FhNDMxYzk5YWM0ZCIsImNhcmRCcmFuZCI6IlZJU0EifQ==",
        "eci": "07",
        "token": "AxjzbwSTlC3VWiL9QyNJAEQBTRduBSgekC4lp/cMm2OKOPlRqQoBgAAAyhZr",
        "cavv": "AJkBBkhgQQAAAE4gSEJydQAAAAA=",
        "paresStatus": "I",
        "acsReferenceNumber": "CardinalACS",
        "xid": "AJkBBkhgQQAAAE4gSEJydQAAAAA=",
        "directoryServerTransactionId": "ce8c3595-1868-4242-b3ee-35689df2f2ce",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "205e97c1-f15a-480f-8497-55e9a68cf046",
        "acsOperatorID": "MerchantACS",
        "ecommerceIndicator": "internet",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "3047573f-590e-46b5-83f4-6a49c1b4239c"
    },
    "id": "7455787250786729403209",
    "paymentInformation": {
        "card": {
            "bin": "400000",
            "type": "VISA"
        }
    },
    "status": "AUTHENTICATION_SUCCESSFUL",
    "submitTimeUtc": "2025-04-25T10:58:47Z"}
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":"4000000000002024"
            }
        },
    "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",
        "challengeCode": "06"
        }}
Response to Successful Request
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{"_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/7455831774536819703209/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/7455831774536819703209"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/7455831774536819703209/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "test"
    },
    "consumerAuthenticationInformation": {
        "eciRaw": "07",
        "authenticationTransactionId": "30lLF8FUJmwmp3VofTC1",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "effectiveAuthenticationType": "FR",
        "authorizationPayload": "eyJjb250YWluZXJWZXJzaW9uIjoiMSIsImF1dGhlbnRpY2F0aW9uVmFsdWUiOiJBSmtCQmtoZ1FRQUFBRTRnU0VKeWRRQUFBQUE9IiwiZWZmZWN0aXZlQXV0aFR5cGUiOiJGUiIsImFjc09wZXJhdG9ySUQiOiJNZXJjaGFudEFDUyIsInRocmVlRFNSZXF1ZXN0b3JDaGFsbGVuZ2VJbmQiOiIwNiIsInRyYW5zU3RhdHVzIjoiSSIsImRzVHJhbnNJRCI6IjZhODZlNjI4LTc2ODYtNDc4Zi1iNWUzLTRmMzFjMTE1YzcwZiIsImFjc1RyYW5zSUQiOiI3NTBmOTkzOC0wYzYzLTQ3MzQtODY0Yy1kNjg5MWEyNzZlZjIiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMi4wIiwibWVyY2hhbnROYW1lIjoiUEFUZXN0NCIsInB1cmNoYXNlRGF0ZSI6IjIwMjUwNDI1MTIxMjU2IiwicHVyY2hhc2VBbW91bnQiOiIxMDk5IiwibWVyY2hhbnRDb3VudHJ5Q29kZSI6Ijg0MCIsImFjcXVpcmVyQklOIjoiNDY5MjE2IiwiYWNxdWlyZXJNZXJjaGFudElEIjoiZGVmYXVsdCIsInRocmVlRFNSZXF1ZXN0b3JOYW1lIjoiUEFUZXN0NCIsInRocmVlRFNSZXF1ZXN0b3JJRCI6IjEwMDUyMjM2KjU1ZWYzZWZiZjcyM2FhNDMxYzk5YWM0ZCIsImNhcmRCcmFuZCI6IlZJU0EifQ==",
        "eci": "07",
        "token": "Axj/7wSTlC5ziEBhdn2pAEQs3aNWrhmxbt2jVm2cMXLdgzZMHKaLtwTReAU0Xbgmi9pAuJaf3DJtjijj5UakLAZJyhc5xCAwuz7UgAAA5APX",
        "cavv": "AJkBBkhgQQAAAE4gSEJydQAAAAA=",
        "paresStatus": "I",
        "acsReferenceNumber": "CardinalACS",
        "xid": "AJkBBkhgQQAAAE4gSEJydQAAAAA=",
        "directoryServerTransactionId": "6a86e628-7686-478f-b5e3-4f31c115c70f",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "4e4689c5-97ac-469b-8d67-0613d8794de7",
        "acsOperatorID": "MerchantACS",
        "ecommerceIndicator": "internet",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "750f9938-0c63-4734-864c-d6891a276ef2"
    },
    "id": "7455831774536819703209",
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "10.99",
            "currency": "USD"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "001"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "001"
        },
        "card": {
            "bin": "400000",
            "type": "001"
        }
    },
    "processorInformation": {
        "systemTraceAuditNumber": "061920",
        "approvalCode": "831000",
        "merchantAdvice": {
            "code": "01",
            "codeRaw": "M001"
        },
        "responseDetails": "ABC",
        "networkTransactionId": "016153570198200",
        "retrievalReferenceNumber": "511512061920",
        "consumerAuthenticationResponse": {
            "code": "2",
            "codeRaw": "2"
        },
        "transactionId": "016153570198200",
        "responseCode": "00",
        "avs": {
            "code": "Y",
            "codeRaw": "Y"
        }
    },
    "reconciliationId": "7455831774536819703209",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2025-04-25T12:12:59Z",
    "tokenInformation": {
        "additionalInformation": "0"
    }
}