Installment Payments

On This Page
An installment payment is a single purchase of goods or services billed to a customer in multiple transactions over a period of time agreed to by you and the customer. The agreement enables you to charge a specific amount at specified intervals.

Installments Service for Installment Payments

IMPORTANT
Do not use this document if you are using the Installments service. When using the Installments service,
Cybersource
 saves and stores payment credentials for installment transactions, ensuring compliance with COF best practices.

Customer-Initiated Installment Payments with PAN

An installment payment is a single purchase of goods or services billed to a customer in multiple transactions over a period of time agreed to by you and the customer, and sometimes, the issuing bank. The agreement enables you to charge a specific amount at specified intervals. For customers, installment payments provide greater purchasing power and lower impact on their monthly budget. For you, offering installment payments at checkout can help increase the number of successfully completed purchases.
Before you can accept installment payments, you and your acquirer must agree on the maximum number of installments you can accept, which can be different for each card type.
IMPORTANT
Do not use this document if you are using the Installments service. When using the Installments service,
Cybersource
 saves and stores payment credentials for installment transactions, ensuring compliance with COF best practices.
IMPORTANT
When you submit an installment transaction that does not meet the
American Express Direct
 requirements for installment payments,
American Express Direct
 processes the transaction as a regular, non-installment transaction.

Installment Payment Types

American Express Direct
 enables you to process these types of installment payments:
Issuer Installments
American Express refers to this arrangement as a
deferred payment plan
.
The customer pays for goods or services using an installment plan agreed upon by the customer and their issuing bank. The issuer controls how the customer's account is debited. Your account is credited for the entire amount in a single transaction. The issuer assumes the risk and establishes credit rates and fees that are charged to the customer.
Merchant Installments
American Express refers to this arrangement as a
Plan N
.
The customer pays for goods or services using an installment plan agreed upon by you and the customer. The issuer controls how the customer's account is debited. Your account is credited periodically for partial amounts as the customer's account is debited. You assume the risk and establish the credit rate and fees that are charged to the customer.

Supported Countries and Regions

This table describes the countries and regions
American Express Direct
 supports for processing installment payments, and the installment payment types that are supported there.
Supported Countries and Regions
Country and Region
Installment Payment Types
Currency
Argentina
  • Issuer Installments
  • Merchant Installments
ARS
Asia Pacific
  • Issuer Installments
No restrictions.
Australia
  • Issuer Installments
No restrictions.
Mexico
  • Issuer Installments
  • Merchant Installments
MXN
Payments must be 250 MXN or more.

Supported Card Type

The American Express card type is supported for processing credentialed transactions.

Endpoint

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

Successful Response

You must store the
network transaction ID
 from the successful response message to include in subsequent MIT authorization requests in order to associate the CIT to the MIT. The network transaction ID is the
processorInformation.networkTransactionId
 field value.
Store the
network transaction ID
, which is the
processorInformation.networkTransactionId
 field value, from the successful response message. You must include the network transaction ID in subsequent MIT authorization requests in order to associate the CIT to the MIT.

Required Fields for Initial Customer-Initiated Installment Payments with a PAN

Include these required fields to authorize an initial customer-initiated installment payment using a PAN.
Include if the corresponding value is not set in your account or if you want to override the value in your account.
Set the value to
true
.
Set the value to
customer
.
Set the value to
internet
,
MOTO
, or a payer authentication value.

Card-Specific Fields for Authorizing Initial Installment Payments

Use this required field if you are authorizing an initial installment payment using the card type referenced below.
Mastercard
processingInformation. authorizationOptions. initiator. merchantInitiatedTransaction. reason
Set the value to
9
.

REST Example: Authorizing Initial Customer-Initiated Installment Payments with a PAN

Customer-Initiated Installment Payment with
TMS

An installment payment is a single purchase of goods or services billed to a customer in multiple transactions over a period of time agreed to by you and the customer, and sometimes, the issuing bank. The agreement enables you to charge a specific amount at specified intervals. For customers, installment payments provide greater purchasing power and lower impact on their monthly budget. For you, offering installment payments at checkout can help increase the number of successfully completed purchases.
Before you can accept installment payments, you and your acquirer must agree on the maximum number of installments you can accept, which can be different for each card type.
IMPORTANT
Do not use this document if you are using the Installments service. When using the Installments service,
Cybersource
 saves and stores payment credentials for installment transactions, ensuring compliance with COF best practices.
IMPORTANT
When you submit an installment transaction that does not meet the
American Express Direct
 requirements for installment payments,
American Express Direct
 processes the transaction as a regular, non-installment transaction.

Installment Payment Types

American Express Direct
 enables you to process these types of installment payments:
Issuer Installments
American Express refers to this arrangement as a
deferred payment plan
.
The customer pays for goods or services using an installment plan agreed upon by the customer and their issuing bank. The issuer controls how the customer's account is debited. Your account is credited for the entire amount in a single transaction. The issuer assumes the risk and establishes credit rates and fees that are charged to the customer.
Merchant Installments
American Express refers to this arrangement as a
Plan N
.
The customer pays for goods or services using an installment plan agreed upon by you and the customer. The issuer controls how the customer's account is debited. Your account is credited periodically for partial amounts as the customer's account is debited. You assume the risk and establish the credit rate and fees that are charged to the customer.

Supported Countries and Regions

This table describes the countries and regions
American Express Direct
 supports for processing installment payments, and the installment payment types that are supported there.
Supported Countries and Regions
Country and Region
Installment Payment Types
Currency
Argentina
  • Issuer Installments
  • Merchant Installments
ARS
Asia Pacific
  • Issuer Installments
No restrictions.
Australia
  • Issuer Installments
No restrictions.
Mexico
  • Issuer Installments
  • Merchant Installments
MXN
Payments must be 250 MXN or more.

Supported Card Type

The American Express card type is supported for processing credentialed transactions.

Creating a
TMS
 Token

When sending the initial CIT, you can create a
TMS
 token to store the customer's credentials for the subsequent MITs. To create a
TMS
 token, include the
processingInformation.actionTokenTypes
 field in the authorization request. Set the field to one of these values based on the
TMS
 token type you want to create:
Customer
Customer tokens store one or more customer payment instrument tokens and shipping address tokens.
Including a customer token in subsequent MITs eliminates the need to include billing information, card information, and the previous transaction's ID.
"processingInformation": {
    "actionTokenTypes": [
      "customer"
]
For more information about this
TMS
 token type, see Customer Tokens in the
Token Management Service
 Developer Guide
.
Payment Instrument
Payment instrument tokens store an instrument identifier token, card information, and billing information. Payment instruments are not linked to a customer token. Including a payment instrument in subsequent MITs eliminates the need to include billing information, card information, and the previous transaction's ID.
"processingInformation": {
    "actionTokenTypes": [
      "paymentInstrument"
]
For more information about this
TMS
 token type, see Payment Instrument Token in the
Token Management Service
 Developer Guide
.
Instrument Identifier
Instrument identifier tokens store a PAN. Including an instrument identifier in subsequent MITs eliminates the need to include a PAN and the previous transaction's ID.
"processingInformation": {
    "actionTokenTypes": [
      "instrumentIdentifier"
]
For more information about this TMS token type, see Instrument Identifier Token in the
Token Management Service
 Developer Guide
.
Instrument Identifier, Payment Instrument, and Customer Identifier
You can also create multiple
TMS
 token types in the same authorization. This example includes an instrument identifier, a payment instrument, and a customer token in the same authorization:
 "processingInformation": {
    "actionTokenTypes": [
        "instrumentIdentifier",
        "paymentInstrument",
        "customer"
]

Endpoint

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

Required Fields for CIT Installment Payments with TMS

Include if the corresponding value is not set in your account or if you want to override the value in your account.
Set the value to
TOKEN_CREATE
.
Set to one or more of these values:
  • customer
  • instrumentIdentifier
  • paymnentInstrument
Set the value to
internet
,
MOTO
, or a payer authentication value.

Card-Specific Fields for Authorizing Initial Installment Payments

Use this required field if you are authorizing an initial installment payment using the card type referenced below.
Mastercard
processingInformation. authorizationOptions. initiator. merchantInitiatedTransaction. reason
Set the value to
9
.

REST Example: CIT Installment Payment with TMS

Customer-Initiated Installment Payment with Enrollable Network Tokens

An installment payment is a single purchase of goods or services billed to a customer in multiple transactions over a period of time agreed to by you and the customer, and sometimes, the issuing bank. The agreement enables you to charge a specific amount at specified intervals. For customers, installment payments provide greater purchasing power and lower impact on their monthly budget. For you, offering installment payments at checkout can help increase the number of successfully completed purchases.
IMPORTANT
Do not use this document if you are using the Installments service. When using the Installments service,
Cybersource
 saves and stores payment credentials for installment transactions, ensuring compliance with COF best practices.

Using Enrollable Network Tokens

The
Token Management Service
 can enroll certain
network tokens
, known as device tokens, into an instrument identifier token for future payments.
Device tokens
 store and encrypt card-on-file information which enables customers to make quick and easy purchases using their mobile device. When authorizing a credentialed payment with a device token, you must create and store the device token in a
TMS
 instrument identifier token. To do this, include the device token information in the
paymentInformation.tokenizedCard
 fields and set the token creation fields to create an instrument identifier token.
Follow-on merchant-initiated transactions are performed using the created instrument identifier as the payment information. For more information about how to request a merchant-initiated transaction, see Merchant-Initiated Installment Payment with TMS.
Device tokens are also known as
digital payments
,
digital wallets
, and
tokenized cards
.

Network Token Types

In your request, include the
processingInformation.paymentSolution
 field to identify the device token type you are using, and set it to one of these possible values:
  • 001
    : Apple Pay
  • 004
    :
    Cybersource
     In-App Solution
  • 005
    : Masterpass
  • 006
    : Android Pay
  • 007
    : Chase Pay
  • 008
    : Samsung Pay
  • 012
    : Google Pay
  • 014
    : Mastercard credential-on-file (COF) payment network token
  • 015
    : Visa credential-on-file (COF) payment network token
  • 027
    : Click to Pay
  • visacheckout
    :
    Visa Click to Pay
    .

Installment Payment Types

American Express Direct
 enables you to process these types of installment payments:
Issuer Installments
American Express refers to this arrangement as a
deferred payment plan
.
The customer pays for goods or services using an installment plan agreed upon by the customer and their issuing bank. The issuer controls how the customer's account is debited. Your account is credited for the entire amount in a single transaction. The issuer assumes the risk and establishes credit rates and fees that are charged to the customer.
Merchant Installments
American Express refers to this arrangement as a
Plan N
.
The customer pays for goods or services using an installment plan agreed upon by you and the customer. The issuer controls how the customer's account is debited. Your account is credited periodically for partial amounts as the customer's account is debited. You assume the risk and establish the credit rate and fees that are charged to the customer.

Supported Countries and Regions

This table describes the countries and regions
American Express Direct
 supports for processing installment payments, and the installment payment types that are supported there.
Supported Countries and Regions
Country and Region
Installment Payment Types
Currency
Argentina
  • Issuer Installments
  • Merchant Installments
ARS
Asia Pacific
  • Issuer Installments
No restrictions.
Australia
  • Issuer Installments
No restrictions.
Mexico
  • Issuer Installments
  • Merchant Installments
MXN
Payments must be 250 MXN or more.

Endpoint

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

Required Fields for a CIT Installment Payment with Enrollable Network Tokens

paymentInformation.tokenizedCard.number
Set the value to
1
.
Set the value to
TOKEN_CREATE
.
Set the value to
instrumentIdentifier
.
Set the value to
internet
.
Set to one of these possible values:
  • 001
    : Apple Pay
  • 004
    :
    Cybersource
     In-App Solution
  • 005
    : Masterpass
  • 006
    : Android Pay
  • 007
    : Chase Pay
  • 008
    : Samsung Pay
  • 012
    : Google Pay
  • 014
    : Mastercard credential-on-file (COF) payment network token
  • 015
    : Visa credential-on-file (COF) payment network token
  • 027
    : Click to Pay
  • visacheckout
    :
    Visa Click to Pay
    .
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.

Example: CIT Installment Payments with Enrollable Network Tokens

Merchant-Initiated Installment Payments with PAN

After the initial CIT installment payment, subsequent installment payments are merchant-initiated transactions (MITs).
IMPORTANT
When you submit an installment transaction that does not meet the
American Express Direct
 requirements for installment payments,
American Express Direct
 processes the transaction as a regular, non-installment transaction.

Prerequisites

The first transaction in an installment payment is a
customer-initiated transaction
 (CIT). Before you can perform a subsequent
merchant-initiated transaction
 (MIT), you must store the customer's credentials for later use. Before you can store the user's credentials, you must get the customer's consent to store their private information. This process is also known as establishing a relationship with the customer.

Installment Payment Types

American Express Direct
 enables you to process these types of installment payments:
Issuer Installments
American Express refers to this arrangement as a
deferred payment plan
.
The customer pays for goods or services using an installment plan agreed upon by the customer and their issuing bank. The issuer controls how the customer's account is debited. Your account is credited for the entire amount in a single transaction. The issuer assumes the risk and establishes credit rates and fees that are charged to the customer.
Merchant Installments
American Express refers to this arrangement as a
Plan N
.
The customer pays for goods or services using an installment plan agreed upon by you and the customer. The issuer controls how the customer's account is debited. Your account is credited periodically for partial amounts as the customer's account is debited. You assume the risk and establish the credit rate and fees that are charged to the customer.

Supported Countries and Regions

This table describes the countries and regions
American Express Direct
 supports for processing installment payments, and the installment payment types that are supported there.
Supported Countries and Regions
Country and Region
Installment Payment Types
Currency
Argentina
  • Issuer Installments
  • Merchant Installments
ARS
Asia Pacific
  • Issuer Installments
No restrictions.
Australia
  • Issuer Installments
No restrictions.
Mexico
  • Issuer Installments
  • Merchant Installments
MXN
Payments must be 250 MXN or more.

Supported Card Type

The American Express card type is supported for processing credentialed transactions.

Endpoint

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

Required Fields for Authorizing Merchant-Initiated Subsequent Installment Payments

Use these required fields to authorize merchant-initiated subsequent installment payments.
processingInformation.authorizationOptions. initiator. merchantInitiatedTransaction. previousTransactionID
  • American Express: set to the transaction ID from the original transaction.
  • Discover: set to the transaction ID from the original transaction.
  • Visa: set to the last successful transaction ID.
Set the value to
true
.
Set the value to
merchant
.
Set the value to
install
.

REST Example: Authorizing Merchant-Initiated Subsequent Installment Payments

Merchant-Initiated Installment Payment with
TMS

This section describes how to process a merchant-initiated installment payment using these
TMS
 token types:
Customer
Customer tokens store one or more customer payment instrument tokens and shipping address tokens.
Including a customer token eliminates the need to include billing information, card information, and the previous transaction's ID.
"paymentInformation": {
  "customer": {
    "id": "07C9CA98022DA498E063A2598D0AA400"
  }
}
For more information about this
TMS
 token type, see Customer Tokens in the
Token Management Service
 Developer Guide
.
Payment Instrument
Payment instrument tokens store an instrument identifier token, card information, and billing information. Payment instruments are not linked to a customer token.
Including a payment instrument eliminates the need to include billing information, card information, and the previous transaction's ID. 
"paymentInformation": {
  "paymentInstrument": {
    "id": "07CA24EF20F9E2C9E063A2598D0A8565"
  }
}
For more information about this
TMS
 token type, see Payment Instrument Token in the
Token Management Service
 Developer Guide
.
Instrument Identifier
Instrument identifier tokens store only a PAN. Including an instrument identifier eliminates the need to include a PAN and the previous transaction's ID.
"paymentInformation": {
  "instrumentIdentifier": {
    "id": "7010000000016241111"
  }
}
For more information about this
TMS
 token type, see Instrument Identifier Token in the
Token Management Service
 Developer Guide
.
IMPORTANT
When you submit an installment transaction that does not meet the
American Express Direct
 requirements for installment payments,
American Express Direct
 processes the transaction as a regular, non-installment transaction.

Prerequisites

The first transaction in an installment payment is a
customer-initiated transaction
 (CIT). Before you can perform a subsequent
merchant-initiated transaction
 (MIT), you must store the customer's credentials for later use. Before you can store the user's credentials, you must get the customer's consent to store their private information. This process is also known as establishing a relationship with the customer.

Installment Payment Types

American Express Direct
 enables you to process these types of installment payments:
Issuer Installments
American Express refers to this arrangement as a
deferred payment plan
.
The customer pays for goods or services using an installment plan agreed upon by the customer and their issuing bank. The issuer controls how the customer's account is debited. Your account is credited for the entire amount in a single transaction. The issuer assumes the risk and establishes credit rates and fees that are charged to the customer.
Merchant Installments
American Express refers to this arrangement as a
Plan N
.
The customer pays for goods or services using an installment plan agreed upon by you and the customer. The issuer controls how the customer's account is debited. Your account is credited periodically for partial amounts as the customer's account is debited. You assume the risk and establish the credit rate and fees that are charged to the customer.

Supported Countries and Regions

This table describes the countries and regions
American Express Direct
 supports for processing installment payments, and the installment payment types that are supported there.
Supported Countries and Regions
Country and Region
Installment Payment Types
Currency
Argentina
  • Issuer Installments
  • Merchant Installments
ARS
Asia Pacific
  • Issuer Installments
No restrictions.
Australia
  • Issuer Installments
No restrictions.
Mexico
  • Issuer Installments
  • Merchant Installments
MXN
Payments must be 250 MXN or more.

Supported Card Type

The American Express card type is supported for processing credentialed transactions.

Endpoint

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

Required Fields for MIT Installment Payments with
TMS

Include these Required Fields

paymentInformation.[tokentype].id
Where
[tokentype]
 is the
TMS
 token type you are using:
Set the value to
install
.

Example: MIT with
TMS
 Instrument Identifier Token

Light Dark
Request
123456789101112131415161718192021222324252627282930313233343536
{"processingInformation": {
        "commerceIndicator": "internet",
        "authorizationOptions": {
            "initiator": {
                "type": "customer",
                "credentialStoredOnFile": "true",
                "merchantInitiatedTransaction": {
                    "reason": "9"   //Mastercard only
                }
            }
        }
    },
    "orderInformation": {
        "billTo": {
            "firstName": "John",
            "lastName": "Doe",
            "address1": "201 S. Division St.",
            "postalCode": "48104-2201",
            "locality": "Ann Arbor",
            "administrativeArea": "MI",
            "country": "US",
            "phoneNumber": "5554327113",
            "email": "test@cybs.com"
        },
        "amountDetails": {
            "totalAmount": "100.00",
            "currency": "USD"
        }
    },
    "paymentInformation": {
        "card": {
            "expirationYear": "2031",
            "number": "4111xxxxxxxxxxxx",
            "expirationMonth": "12"
        }
    }}
Response to a Successful Request
1234567891011121314151617181920212223242526272829303132333435363738394041424344454647484950515253
{"_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/6528187198946076303004/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/6528187198946076303004"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/6528187198946076303004/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "1652818719876"
    },
    "id": "6528187198946076303004",
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "100.00",
            "currency": "USD"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "001"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "001"
        },
        "card": {
            "type": "001"
        }
    },
    "pointOfSaleInformation": {
        "terminalId": "111111"
    },
    "processorInformation": {
        "approvalCode": "888888",
        "networkTransactionId": "123456789619999",
        "transactionId": "123456789619999",
        "responseCode": "100",
        "avs": {
            "code": "X",
            "codeRaw": "I1"
        }
    },
    "reconciliationId": "63165088Z3AHV91G",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2022-05-17T20:18:40Z"}
Light Dark
Request
123456789101112131415161718192021222324252627282930313233
{"processingInformation": {
    "actionList": [
      "TOKEN_CREATE"
    ],
    "actionTokenTypes": [
      "instrumentIdentifier"
    ],
    "commerceIndicator": "internet"
  },
  "paymentInformation": {
    "card": {
      "number": "411111111111XXXX",
      "expirationMonth": "12",
      "expirationYear": "2031"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "102.21",
      "currency": "USD"
    },
    "billTo": {
      "firstName": "John",
      "lastName": "Doe",
      "address1": "1 Market St",
      "locality": "san francisco",
      "administrativeArea": "CA",
      "postalCode": "94105",
      "country": "US",
      "email": "test@cybs.com",
      "phoneNumber": "4158880000"
    }
  }}
Response to a Successful Request
12345678910111213141516171819202122232425262728293031323334353637383940414243444546474849505152535455565758596061
{"_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6972267090226779103955/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6972267090226779103955"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6972267090226779103955/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "id": "6972267090226779103955",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "102.21",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "111111"
  },
  "processorInformation": {
    "paymentAccountReferenceNumber": "V0010013022298169667504231315",
    "approvalCode": "888888",
    "networkTransactionId": "123456789619999",
    "transactionId": "123456789619999",
    "responseCode": "100",
    "avs": {
      "code": "X",
      "codeRaw": "I1"
    }
  },
  "reconciliationId": "62506622XNMR6Q1Y",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-10-13T19:51:49Z",
  "tokenInformation": {
    "instrumentidentifierNew": false,
    "instrumentIdentifier": {
      "state": "ACTIVE",
      "id": "7010000000016241111"
    }
  }}
Light Dark
Request
123456789101112131415161718192021222324252627282930313233343536
{"processingInformation": {
    "actionList": [
      "TOKEN_CREATE"
    ],
    "actionTokenTypes": [
      "instrumentIdentifier"
    ],
    "commerceIndicator": "internet",
    "paymentSolution": "001"
  },
  "paymentInformation": {
    "tokenizedCard": {
      "number": "4111111111111111",
      "expirationMonth": "02",
      "expirationYear": "2025",
      "transactionType": "1"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "102.21",
      "currency": "USD"
    },
    "billTo": {
      "firstName": "John",
      "lastName": "Smith",
      "address1": "123 Happy St",
      "locality": "Austin",
      "administrativeArea": "TX",
      "postalCode": "78757",
      "country": "US",
      "email": "test@cybs.com",
      "phoneNumber": "444-4444-4444"
    }
  }
}
Response to a Successful Request
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{"_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/7094060020036241803954/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7094060020036241803954"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/7094060020036241803954/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "1709406002076"
  },
  "id": "7094060020036241803954",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "102.21",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "111111"
  },
  "processorInformation": {
    "approvalCode": "888888",
    "networkTransactionId": "123456789619999",
    "transactionId": "123456789619999",
    "responseCode": "100",
    "avs": {
      "code": "X",
      "codeRaw": "I1"
    }
  },
  "reconciliationId": "60616704ST7Q27K2",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2024-03-02T19:00:02Z",
  "tokenInformation": {
    "instrumentidentifierNew": false,
    "instrumentIdentifier": {
      "state": "ACTIVE",
      "id": "7010000000016241111"
    }
  }}
Light Dark
Request
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{"processingInformation": {
        "commerceIndicator": "install",
        "authorizationOptions": {
            "initiator": {
                "storedCredentialUsed": "true",
                "type": "merchant",
                "merchantInitiatedTransaction": {
                    "reason": "9",
                    "previousTransactionId": "123456789619999",
                    "originalAuthorizedAmount": "100"    //Discover Only
                }
            }
        }
    },
    "orderInformation": {
        "billTo": {
            "firstName": "John",
            "lastName": "Doe",
            "address1": "201 S. Division St.",
            "postalCode": "48104-2201",
            "locality": "Ann Arbor",
            "administrativeArea": "MI",
            "country": "US",
            "phoneNumber": "5554327113",
            "email": "test@cybs.com"
        },
        "amountDetails": {
            "totalAmount": "100.00",
            "currency": "USD"
        }
    },
    "paymentInformation": {
        "card": {
            "expirationYear": "2031",
            "number": "4111xxxxxxxxxxxx",
            "expirationMonth": "12"
        }
    }}
Response to a Successful Request
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{"_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/6530824710046809304002/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/6530824710046809304002"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/6530824710046809304002/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "1653082470983"
    },
    "id": "6530824710046809304002",
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "100.00",
            "currency": "USD"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "002"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "002"
        },
        "card": {
            "type": "002"
        }
    },
    "pointOfSaleInformation": {
        "terminalId": "111111"
    },
    "processorInformation": {
        "approvalCode": "888888",
        "authIndicator": "1",
        "networkTransactionId": "123456789619999",
        "transactionId": "123456789619999",
        "responseCode": "100",
        "avs": {
            "code": "X",
            "codeRaw": "I1"
        }
    },
    "reconciliationId": "79710341A39WTT5W",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2022-05-20T21:34:31Z"}
Light Dark
Request
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{"processingInformation": {
    "commerceIndicator": "install"
  },
  "paymentInformation": {
    "card": {
      "expirationMonth": "12",
      "expirationYear": "2031"
    },
    "instrumentIdentifier": {
      "id": "7010000000016241111"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "102.21",
      "currency": "USD"
    },
    "billTo": {
      "firstName": "John",
      "lastName": "Doe",
      "address1": "1 Market St",
      "locality": "san francisco",
      "administrativeArea": "CA",
      "postalCode": "94105",
      "country": "US",
      "email": "test@cybs.com",
      "phoneNumber": "4158880000"
    }
  }}
Response to a Successful Request
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{"_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/6530824710046809304002/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/6530824710046809304002"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/6530824710046809304002/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "1653082470983"
    },
    "id": "6530824710046809304002",
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "100.00",
            "currency": "USD"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "002"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "002"
        },
        "card": {
            "type": "002"
        }
    },
    "pointOfSaleInformation": {
        "terminalId": "111111"
    },
    "processorInformation": {
        "approvalCode": "888888",
        "authIndicator": "1",
        "networkTransactionId": "123456789619999",
        "transactionId": "123456789619999",
        "responseCode": "100",
        "avs": {
            "code": "X",
            "codeRaw": "I1"
        }
    },
    "reconciliationId": "79710341A39WTT5W",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2022-05-20T21:34:31Z"}