Mastercard Payment of Winnings Processing

This section describes how to process a
stand-alone credit
 for Mastercard Payment of Winnings.
Payment of Winnings (POW) is prohibited in some countries and restricted to specific card types in the countries where it is allowed.
Cybersource
 does not perform BIN checks on these transactions to verify that the customer is permitted to receive payouts in their region for their card type.
Cybersource
 recommends that merchants perform their own BIN checks or verify with
Barclays
.

Endpoint

Set the
ccCreditService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.

Related Information

Required Fields for Processing a Mastercard Payment of Winnings

Use these required fields to process a Mastercard Payment of Winnings.
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.
billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_street1
card_accountNumber
card_cardType
For a list of possible values, see Card Types.
card_expirationMonth
card_expirationYear
ccCreditService_refundReason
Set the value to
pow
.
merchantReferenceCode
purchaseTotals_currency
purchaseTotals_grandTotalAmount

Optional Fields for Processing a Mastercard Payment of Winnings

Include these optional fields to process a Mastercard Payment of Winnings if you need to provide a merchant surname, override the default settings for the merchant first name or location, or override the default settings for the customer first and last names.
recipient_firstName
By default, this field is set to the value in the
billTo_firstName
 field. Include this field in the request message if you want to override the default setting.
recipient_lastName
By default, this field is set to the value in the
billTo_lastName
 field. Include this field in the request message if you want to override the default setting.
sender_accountNumber
Include this field if you need to provide a payment card account number or bank account number for your merchant account.
sender_address
Merchant street address. By default, this field is set to the corresponding value in your configuration on the
Cybersource
 platform.
sender_city
Merchant city. By default, this field is set to the corresponding value in your configuration on the
Cybersource
 platform.
sender_country
Merchant country code. By default, this field is set to the corresponding value in your configuration on the
Cybersource
 platform.
sender_firstName
Merchant first name. By default, this field is set to the corresponding value in your configuration on the
Cybersource
 platform.
sender_lastName
Include this field if you need to provide a last name for your merchant account.
sender_sourceOfFunds
Possible values for processing a Mastercard Payment of Winnings:
  • 00
    : Other
  • 01
    : RTN + bank account
  • 02
    : International bank account number (IBAN)
  • 03
    : Card account
  • 04
    : Email
  • 05
    : Phone number
  • 06
    : Bank account number (BAN) + bank identification code (BIC)
  • 07
    : Wallet ID
  • 08
    : Social network ID

Simple Order Example: Processing a Mastercard Payment of Winnings

Light Dark
Request
1234567891011121314151617181920212223
merchantReferenceCode=482046C3A7E94F5BD1FE3C66C=pow
ccCreditService_run=trbillTo_firstName=John
recipient_firstName=Joseph
recipient_lastName=Bloggs
sender_accountNumber=123456789012345
sender_sourceOfFunds=01
sender_firstName=The
sender_lastName=Company
sender_address=1 High Street
sender_city=Belfast
sender_country=GBR
billTo_firstName=Joe
billTo_lastName=Bloggs
billTo_street1=1 The Street
billTo_city=City
billTo_postalCode=AB12CD
billTo_country=Country
billTo_email=jb@example.com
card_expirationMonth=01
card_expirationYear=2025
card_accountNumber=5555555555554444
card_cardType=002
purchaseTotals_currency==200
Response to a Successful Request
1234567
merchantReferenceCode=482046C3A7E94F5BD1FE3C66C=1019827520348290570293
decision=ACCEPT
reasonCode=100
purchaseTotals_currency=GBP
ccCreditReply_reasonCode=100
ccCreditReply_amount=200
ccCreditReply_reconciliationID=