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Authorization with Payment Network Tokens

This section shows you how to successfully process an authorization with payment network tokens.

IMPORTANT

Due to mandates from the Reserve Bank of India, merchants based in India cannot store personal account numbers (PAN). Use network tokens instead. For more information on network tokens, see the Network Tokenization section of the Token Management Service Guide.

Endpoint

Production:

POST https://api.cybersource.com/pts/v2/payments

Test:

POST https://apitest.cybersource.com/pts/v2/payments

Required Fields for Authorizations with Payment Network Tokens

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.

orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
paymentinformation.tokenizedCard.cryptogram
paymentinformation.tokenizedCard.expirationMonth
paymentinformation.tokenizedCard.expirationYear

Related Information

API field reference guide for the REST API

Optional Fields for Authorizations with Payment Network Tokens

You can use these optional fields to include additional information when processing an authorization with a payment network token.

clientReferenceInformation.code
consumerAuthenticationInformation.cavv: For 3-D Secure in-app transactions for Visa
and JCB
, set this field to the 3-D Secure cryptogram. Otherwise, set to the network token cryptogram.
consumerAuthenticationInformation. ucafAuthenticationData: For Mastercard requests using 3-D Secure, set this field to the Identity Check cryptogram.
consumerAuthenticationInformation. ucafCollectionIndicator: For Mastercard requests using 3-D Secure, set the value to
2
.
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.postalCode: Required only for transactions in the US and Canada.
orderInformation.billTo.administrativeArea: Required only for transactions in the US and Canada.
processingInformation.commerceIndicator
paymentInformation.tokenizedCard.cardType: It is strongly recommended that you send the card type even if it is optional for your processor. Omitting the card type can cause the transaction to be processed with the wrong card type.
paymentInformation.tokenizedCard.cryptogram
paymentInformation.tokenizedCard.expirationMonth: Set to the token expiration month that you received from the token service provider.
paymentInformation.tokenizedCard.expirationYear: Set to the token expiration year that you received from the token service provider.
paymentInformation.tokenizedCard.number: Set to the token value that you received from the token service provider.
paymentInformation.tokenizedCard.requestorId
paymentInformation.tokenizedCard.transactionType

Related Information

API field reference guide for the REST API

REST Example: Authorizations with Payment Network Tokens

Request

{
  "orderInformation" : {
    "billTo": {
        "country": "US",
        "lastName": "Kim",
        "address1": "201 S. Division St.",
        "postalCode": "48104-2201",
        "locality": "Ann Arbor",
        "administrativeArea": "MI",
        "firstName": "Kyong-Jin",
        "email": "test@cybs.com"
        },
    "amountDetails" : {
      "totalAmount" : "100",
      "currency" : "USD"
    }
  },
    "paymentInformation" : {
    "tokenizedCard" : {
      "expirationYear" : "2031",
      "number" : "4111111111111111",
      "expirationMonth" : "12",
      "transactionType" : "1",
      "cryptogram" : "qE5juRwDzAUFBAkEHuWW9PiBkWv="
    }
  }
}

Response to a Successful Request

{
    "_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/6838294805206235603954/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/6838294805206235603954"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/6838294805206235603954/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "1683829480593"
    },
    "id": "6838294805206235603954",
    "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": "1"
        }
    },
    "reconciliationId": "60332034UHI9PRJ0",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2023-05-11T18:24:40Z"
}