Payment Services
- Payment Process

Authentication
- Create a Shared Secret Key for HTTP Signature Authenticatio...
- Create a P12 Certificate for JSON Web Token Authentication

Generate the Header
- HTTP Signature Authentication
- JSON Web Token Authentication

Authorizations

Online Authorizations
- Payment Network Tokenization
- Apple Pay
- Android Pay
- Google Pay
- Samsung Pay
- Visa Checkout

Card-Present and EMV Authorizations

Captures
- Creating a Capture Request

Sales
- Creating a Sale Request

Voids
- Creating a Void Request

Refunds
- Creating a Refund Request

Credits
- Creating a Credit Request

Reversals

Electronic Check Services
- Electronic Check Processing
- Optional Features
- Testing Electronic Check Transactions
- NOC Codes
- Verification Codes
- SEC Codes

Service Fees
- Service Fees for Credit Card Transactions
- Service Fees in Electronic Check Transactions

Merchant-Initiated Transactions
- Descriptions
- Use Cases
  - Delayed Charge
  - Installment Payment
  - No-Show Transaction
  - Reauthorization
  - Recurring Payment
  - Resubmission
  - Unscheduled COF Transaction
- Merchant-Initiated Reversals and Voids
- Terminology

CVN

AVS Codes

Level II and Level III Payments
- Relaxed Requirements for Address Data and Expiration Date
- Decimals and Strings
- Numbered Elements
- Level II Data Captures and Credits
- Level III Data Captures and Credits

Error Reason Codes

On This Page

Verification Codes

Verification codes indicate the results of ACH verification and are returned in the following fields.

For a description of ACH verification for payments, see "ACH Verification."

Response Fields for Verifications Codes
Service	Mapped Value	Raw Value
/pts/v2/payments	processorInformation.ACHVerification.resultCode	processorInformation.ACHVerification.resultCodeRaw
/pts/v2/credits	processorInformation.ACHVerification.resultCode	processorInformation.ACHVerification.resultCodeRaw

Mapped Verification Codes

**Mapped Verification Codes**
Code	Description
00	Success: account number and routing number are OK.
01	Success: account number was corrected; routing number is OK.
02	Success: routing number was corrected; account number is OK.
03	Success: account number and routing number were corrected.
04	Declined: routing number did not pass verification.
98	Unavailable: unable to perform ACH verification.
99	Invalid: response from ACH verification is invalid.

Raw Verification Codes

Raw Verification Codes
Code	Description
1	Accepted: routing number is valid. Account number is valid.
2	Accepted: routing number is valid. Account number is invalid; use corrected account number.
3	Accepted: routing number is valid. Account number is valid.
4	Accepted: routing number is valid. Account number structure not recognized; account may be valid.
5	Accepted: routing number is not usable for ACH; use corrected routing number. Account number is valid.
6	Accepted: routing number is not usable for ACH; use corrected routing number. Account number is invalid; use corrected account number.
7	Accepted: routing number is not usable for ACH; use corrected routing number. Account number is valid.
8	Accepted: routing number is not usable for ACH; use corrected routing number. Account number structure not recognized; account may be valid.
9	Declined: routing number is not usable for ACH; no corrected routing number available.
10	Declined: routing number not found.
11	Declined: invalid routing number.