API Overview

Payments Developer Guide
- Recent Revisions to This Document
- VISA Platform Connect: Specifications and Conditions for Resellers/Partners

Introduction to Payments
- Financial Institutions and Payment Networks
- Card Types
- Transaction Types
- Payment Services
  - Authorization
    - Online Authorization
    - Offline Authorization
    - Incremental Authorization
      - Scenario for an Incremental Authorization
    - Pre-Authorization
    - Payment Network Token Authorization
    - Authorization Workflow
  - Sale
    - Dual-Message Processing
      - Partial Authorizations
    - Single-Message Processing
  - Authorization Reversal
  - Automatic Partial Authorization Reversal
  - Capture
    - Capture Workflow
  - Refund
    - Credit Workflow
  - Void
- Payment Features
  - Debit and Prepaid Card Payments
  - Airline Data
    - Cybersource Airline Data Processing
    - Airline Data Reference Information
      - Airline Document Type Codes
      - Ancillary Service Category Codes
  - Interchange Optimization
  - Japanese Payment Options
  - Level II and Level III Data
  - Micropayments
  - Mastercard Bill Payments
  - Mastercard Expert Monitoring Solutions
  - Payer Authentication
  - Relaxed Requirements for Address Data and Expiration Date in Payment Transactions
  - Split Shipment
  - Introduction to Credentialed Transactions
  - Token Management Service
- Testing the Payment Services
  - Requirements for Testing
  - Test Card Numbers
  - Using Amounts to Simulate Errors
  - Test American Express Card Verification

Debit and Prepaid Card Processing
- Additional Resources for Debit and Prepaid Payments
- Processing Debit and Prepaid Authorizations
- Enabling Debit and Prepaid Partial Authorizations
- Disabling Debit and Prepaid Partial Authorizations

Airline Data Processing
- Additional Resources for Airline Data
- Airline Travel Legs
- Authorize an Airline Ticket Payment
- Captures for Ticket Purchases
- Captures for Ancillary Purchases
- Refunds
- Issue a Credit

Japanese Payment Options Processing
- Authorize a Single Payment with Japanese Payment Options
- Authorize a Bonus Payment with Japanese Payment Options
- Authorize an Installment Payment with Japanese Payment Options
- Authorize a Revolving Payment with Japanese Payment Options
- Authorize a Combination Payment with Japanese Payment Options

Level II Processing
- Additional Resources for Level II/III Payments
- Captures with Level II Data
- Credits with Level II Data
- Sales with Level II Data

Level III Processing
- Additional Resources for Level II/III Payments
- Captures with Level III Data
- Credits with Level III Data
- Sales with Level III Data

Mastercard Processing
- Mastercard Bill Payment Processing
- Mastercard Expert Monitoring Solutions Processing

Payer Authentication Processing
- Additional Resources for Payer Authentication
- Providing Payer Authentication Information for Authorization
- American Express SafeKey
- JCB J/Secure
- Mastercard Identity Check
- Visa Secure

Relaxed Requirements for Address Data and Expiration Date in Payment Transactions

Split Shipments Processing
- Authorizing a Sale for a Product Not Yet Available
- Processing Two Authorizations and a Capture for Multiple Products
- Processing an Authorization and Two Captures for Multiple Products

Processing Payments Using Credentials
- Additional Resources for Credentialed Transactions
- Customer-Initiated Transactions with Credentials on File
  - Storing Customer Credentials with a CIT and PAN
  - Storing Customer Credentials with a CIT and TMS
  - Using Stored Customer Credentials During a CIT
- Delayed Transaction
  - Merchant-Initiated Delayed Transaction with PAN
  - Merchant-Initiated Delayed Transaction with TMS
- Incremental Transaction
  - Merchant-Initiated Incremental Transaction with PAN
  - Merchant-Initiated Incremental Transaction with TMS
- No-Show Transactions
  - Merchant-Initiated No-Show Transactions with PAN
  - Merchant-Initiated No-Show Transaction with TMS
- Reauthorization Transaction
  - Merchant-Initiated Reauthorization Transactions with PAN
  - Merchant-Initiated Reauthorization Transactions with TMS
- Resubmission Transaction
  - Merchant-Initiated Resubmission Transaction with PAN
  - Merchant-Initiated Resubmission Transaction with TMS
- Installment Payments
  - Customer-Initiated Installment Payments with PAN
  - Customer-Initiated Installment Payment with TMS
  - Customer-Initiated Installment Payment with Enrollable Network Tokens
  - Merchant-Initiated Installment Payments with PAN
  - Merchant-Initiated Installment Payment with TMS
- Recurring Payments
  - Customer-Initiated Recurring Payment with PAN
  - Customer-Initiated Recurring Payment with TMS
  - Customer-Initiated Recurring Payment with Enrollable Network Tokens
  - Merchant-Initiated Recurring Payments with PAN
  - Merchant-Initiated Recurring Payments with TMS
- Mastercard Standing Order Payments
  - Mastercard Initial CIT Standing Order Payment
  - Mastercard Initial CIT Standing Order Payment with TMS
- Mastercard Subscription Payments
  - Mastercard CIT Initial Subscription Payment
  - Mastercard CIT Initial Subscription Payment with TMS
- Unscheduled COF Payments
  - Customer-Initiated Unscheduled COF Payment with PAN
  - Customer-Initiated Unscheduled COF Payments with TMS
  - Customer-Initiated Unscheduled COF Payment with Enrollable Network Tokens
  - Merchant-Initiated Unscheduled COF Payment with PAN
  - Merchant-Initiated Unscheduled COF Payments with TMS

Token Management Service Processing
- Additional Resources for TMS
- Authorizing a Payment with a Customer Token
- Authorizing a Payment with a Non-Default Shipping Address
- Authorizing a Payment with a Non-Default Payment Instrument
- Authorizing a Payment with a Payment Instrument
- Authorize a Payment with an Instrument Identifier
- Authorize a Payment While Ignoring Network Token
- Authorizing a Payment with a Legacy Token
- Making a Credit with a Customer Token
- Making a Credit with a Non-Default Payment Instrument
- Making a Credit with a Payment Instrument
- Making a Credit with an Instrument Identifier
- Making a Credit with a Legacy Token

On This Page

Debit and Prepaid Card Payments

Debit cards are linked to a cardholder's checking account. The funds are taken out of the customer's bank account, and the transaction is included on the customer's bank account statement. The customer does not receive a credit card bill as with a regular credit card.

You can process debit cards using these services:

Credit card services

PIN debit services

Partial authorizations, which are a special feature available for debit cards

Balance inquiries, which are a special feature available for debit cards

Requirements

In Canada, to process domestic debit transactions on Visa Platform Connect with Mastercard, you must contact customer support to have your account configured for this feature.

Related Information

See Standard Payment Processing for information that shows you how to use credit card services.

See Debit and Prepaid Card Processing for information that shows you how to process authorizations that use a debit or prepaid card.

PIN Debit Processing Developer Guide
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