API Overview

Payments Developer Guide
- Recent Revisions to This Document

Introduction to Payments
- Financial Institutions and Payment Networks
  - Merchant Financial Institutions (Acquirers)
  - Customer Financial Institutions (Issuers)
  - Payment Networks
  - Payment Processors
- Card Types
  - Credit Cards
  - Debit Cards
- Transaction Types
  - Card-Not-Present Transactions
  - Authorizations with Card Verification Numbers
    - CVN Locations and Terminology
  - International Transactions
    - Compliance
    - Merchant Remittance Funding
  - Token Management Service
- Payment Services
  - Authorizations
    - Micropayment Authorizations
    - Online Authorizations
    - Offline Authorizations
    - Incremental Authorizations
      - Scenario for the Incremental Authorization Service
    - Pre-Authorizations
    - Authorization Workflow
  - Sales
    - Dual-Message Processing
      - Partial Authorizations
    - Single-Message Processing
  - Authorization Reversals
  - Captures
    - Capture Workflow
  - Credits
    - Credit Workflow
  - Voids
- Payment Features
  - Debit and Prepaid Card Payments
  - Payer Authentication
  - Relaxed Requirements for Address Data and Expiration Date in Payment Transactions
- Testing the Payment Services
  - Requirements for Testing
  - Test Card Numbers
  - Using Amounts to Simulate Errors
  - Test American Express Card Verification

Standard Payment Processing
- Basic Authorizations
  - Declined Authorizations
  - Required Fields for Processing a Basic Authorization
    - Country-Specific Required Fields for Processing a Basic Authorization
  - Simple Order Example: Processing a Basic Authorization
- Authorizations with Line Items
  - Optional Line Item Fields
  - Required Fields for Processing an Authorization with Line Items
    - Country-Specific Required Fields for Processing an Authorization with Line Items
  - Simple Order Example: Processing an Authorization with Line Items
- Authorizations with Payment Network Tokens
  - Required Fields for Authorizations with Payment Network Tokens
  - Optional Fields for Authorizations with Payment Network Tokens
  - Simple Order API Example: Authorizations with Payment Network Tokens
- Authorizations with a Card Verification Number
  - Required Fields for Processing an Authorization with a Card Verification Number
  - Optional Fields for Processing an Authorization with a Card Verification Number
  - Simple Order Example: Processing an Authorization with a Card Verification Number
- Pre-Authorizations
  - Required Fields for a Pre-Authorization
    - Country-Specific Required Fields for Processing a Pre-Authorization
  - Simple Order Example: Processing a Pre-Authorization
- Authorization Reversal
  - Required Fields for Processing an Authorization Reversal
  - Simple Order Example: Processing an Authorization Reversal
- Sales
  - Required Fields for Processing a Sale
  - Simple Order Example: Processing a Sale
- Sales with Payment Network Tokens
  - Required Fields for Sales with Payment Network Tokens
  - Optional Fields for Sales with Payment Network Tokens
  - Simple Order API Example: Authorizations with Payment Network Tokens
- Captures
  - Required Fields for Capturing an Authorization
  - Simple Order Example: Capturing an Authorization
- Follow-On Credits
  - Required Fields for Processing a Follow-On Credit
  - Simple Order Example: Processing a Follow-On Credit
- Voids for a Capture or Credit
  - Required Fields for Voiding a Capture or Credit
  - Simple Order API Example: Voiding a Capture or Credit

Debit and Prepaid Card Processing
- Additional Resources for Debit and Prepaid Payments
- Processing Debit and Prepaid Authorizations
  - Required Fields for Processing Debit and Prepaid Authorizations
    - Country Specific Required Fields to Process Debit and Prepaid Authorizations
  - Optional Field for Processing Debit and Prepaid Authorizations
  - Simple Order Example: Processing Debit and Prepaid Authorizations
- Enabling Debit and Prepaid Partial Authorizations
  - Required Fields for Enabling Debit and Prepaid Partial Authorizations
  - Optional Field for Enabling Debit and Prepaid Partial Authorizations
  - Simple Order Example: Enabling Debit and Prepaid Partial Authorizations
- Disabling Debit and Prepaid Partial Authorizations
  - Required Field for Disabling Debit and Prepaid Partial Authorizations
  - Optional Field for Disabling Debit and Prepaid Partial Authorizations
  - Simple Order Example: Disabling Debit and Prepaid Partial Authorizations

Payer Authentication Processing
- Additional Resources for Payer Authentication
- Providing Payer Authentication Information for Authorization
- Mastercard Identity Check
  - Required Fields for Processing an Authorization Using Mastercard Identity Check
  - Simple Order Example: Processing an Authorization Using Mastercard Identity Check
- Visa Secure
  - Required Fields for Processing an Authorization Using Visa Secure
  - Simple Order Example: Validating and Authorizing an Authorization

Relaxed Requirements for Address Data and Expiration Date in Payment Transactions
- Requirements
- Services
- Relaxed Fields

Processing Payments Using Credentials
- Additional Resources for Credentialed Transactions
- Customer-Initiated Transactions with Credentials on File
  - Storing Customer Credentials with a CIT and PAN
    - Required Fields for Storing Customer Credentials During a CIT
    - Simple Order Example: Storing Customer Credentials During a CIT
  - Retrieving Stored Customer Credentials During a CIT
    - Required Fields for Retrieving Customer Credentials During a Customer-Initiated Transaction
      - Card-Specific Required Field for Retrieving Customer Credentials During a CIT
    - Simple Order Example: Retrieving Customer Credentials During a CIT

Enabling Debit and Prepaid Partial Authorizations

Partial authorizations and balance responses are special features that are available for debit cards and prepaid cards. This section shows you how to enable partial authorizations for a specific transaction.

You must use version 1.52 or later of the XML schema to implement partial authorizations or balance responses.

Field Specific to this Use Case

Include this field in addition to the fields required for a standard authorization request:

Indicate that this request is a partial authorization.

Set the

ccAuthService_partialAuthIndicator

to

true

.

Endpoint

Set the

ccAuthService_run

field to

true

.

Send the request to

https://ics2ws.ic3.com/commerce/1.x/transactionProcessor

.