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Debit and Prepaid Card Processing

This section shows you how to process authorizations that use a debit or prepaid card.

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.
When using the Simple Order API in XML format, partial authorizations or balance responses require the XML schema version 1.52 or later.

Related Information

Processing Debit and Prepaid Authorizations

This section shows you how to process an authorization using debit and prepaid cards.

Endpoint

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

Required Fields for Processing Debit and Prepaid Authorizations

Use these required fields for processing debit and prepaid authorizations.
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_state
billTo_street1
card_accountNumber
card_expirationMonth
card_expirationYear
ccAuthService_run
Set the value to
true
.
merchantID
merchantReferenceCode
purchaseTotals_currency
purchaseTotals_grandTotalAmount

Country Specific Required Fields to Process Debit and Prepaid Authorizations

Use these country-specific required fields to process a debit or prepaid authorization.

Argentina

billTo_merchantTaxID
Required for Mastercard transactions.
transactionLocalDateTime
Required in Argentina when the time zone is not included in your account. Otherwise, this field is optional.

Brazil

billTo_personalID
Required for combo card transactions.
ccAuthService_overridePaymentDetails
Required for combo card line-of-credit and prepaid-card transactions.

Chile

billTo_merchantTaxID
Required for Mastercard transactions.

Paraguay

billTo_merchantTaxID
Required for Mastercard transactions.

Saudi Arabia

transactionMode

Taiwan

Name: card_hashedAccountNumber

Optional Field for Processing Debit and Prepaid Authorizations

You can use this optional field to include additional information when processing debit and prepaid authorizations.
linkToRequest
Set this field to the request ID that was returned in the response message from the original authorization request.

Simple Order Example: Processing Debit and Prepaid Authorizations

Request
billTo_city=Foster City
billTo_country=US

billTo_email=null@cybersource.com

billTo_firstname=John
billTo_lastname=Smith
billTo_postalCode=40500
billTo_state=CA
billTo_street1=901 Metro Center Blvd
card_accountNumber=41111111XXXXXXXX
card_expirationMonth=12
card_expirationYear=2031
ccAuthService_run=true
merchant_id=pa_ctv_sg101
merchantReferenceCode=rts_6595481893301034778276
purchaseTotals_currency=usd
purchaseTotals_grandTotalAmount=100
Response to a Successful Request
additionalData=ABC
ccAuthReply_amount=100.00
ccAuthReply_avsCode=Y
ccAuthReply_authorizationCode=831000
ccAuthReply_processorResponse=00
ccAuthReply_authorizedDateTime=2022-08-30T165039Z
ccAuthReply_avsCodeRaw=Y
ccAuthReply_cavvResponseCode=2
ccAuthReply_cavvResponseCodeRaw=2
ccAuthReply_merchantAdviceCode=01
ccAuthReply_merchantAdviceCodeRaw=M001
ccAuthReply_paymentNetworkTransactionID=016153570198200
ccAuthReply_reconciliationReferenceNumber=224216876457
apAuthReply_reconciliationID=6618782389070178232890
card_cardType=001
payerAuthEnrollReply_cardTypeName=VISA
purchaseTotals_currency=usd
merchantReferenceCode=rts_6595481893301034778276
receiptNumber=876457
requestID=6618782389070178232890

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

Required Fields for Enabling Debit and Prepaid Partial Authorizations

Use these required fields for enabling debit and prepaid partial authorizations.
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_state
billTo_street1
card_accountNumber
card_expirationMonth
card_expirationYear
ccAuthService_partialAuthIndicator
Set the value to
true
.
ccAuthService_run
Set the value to
true
.
merchantID
merchantReferenceCode
purchaseTotals_currency
purchaseTotals_grandTotalAmount

Optional Field for Enabling Debit and Prepaid Partial Authorizations

You can use these optional fields to include additional information when enabling debit and prepaid partial authorizations.
linkToRequest
Set this field to the request ID that was returned in the response message from the original authorization request.

Simple Order Example: Enabling Debit and Prepaid Partial Authorizations

Request
billTo_street1=201 S. Division St
billTo_city=Ann Arbor
billTo_country=US
billTo_state=MI
billTo_postalCode=48104-2201
billTo_email=
test@cybs.com

billTo_firstname=John
billTo_lastname=Deo
card_expirationMonth=12
card_expirationYear=2031
card_accountNumber=5555555555554444
ccAuthService_partialAuthIndicator=true
merchant_id=pa_ctv_sg101
merchantReferenceCode=TC50171_3
purchaseTotals_currency=usd
purchaseTotals_grandTotalAmount=1000.00
Response to a Successful Request
apCaptureService_authRequestID=6618807769750178232890
apAuthReply_reconciliationID=6618807769750178232890
card_cardType=002
ccAuthReply_amount=1000.00
ccAuthReply_avsCode=Y
ccAuthReply_authorizationCode=831000
ccAuthReply_authorizedDateTime=2022-08-30T173257Z
ccAuthReply_avsCodeRaw=Y
ccAuthReply_cavvResponseCode=2
ccAuthReply_cavvResponseCodeRaw=2
ccAuthReply_merchantAdviceCode=01
ccAuthReply_merchantAdviceCodeRaw=M001
ccAuthReply_processorResponse=00
ccAuthReply_reconciliationReferenceNumber=224217876503
ccCreditReply_paymentNetworkTransactionID=MCC9689130830
merchantReferenceCode=TC50171_3
payerAuthEnrollReply_cardTypeName=MASTERCARD
purchaseTotals_currency=usd
receiptNumber=876503
requestID=6618807769750178232890

Disabling Debit and Prepaid Partial Authorizations

This topic shows you how to successfully disable partial authorizations for specific transactions.

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 not a partial authorization.
    Set the
    ccAuthService_partialAuthIndicator
     to
    false
    .

Endpoint

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

Required Field for Disabling Debit and Prepaid Partial Authorizations

Use these required fields for disabling debit and prepaid partial authorizations.
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_state
billTo_street1
card_accountNumber
card_expirationMonth
card_expirationYear
ccAuthService_partialAuthIndicator
Set the value to
false
.
ccAuthService_run
Set the value to
true
.
merchantID
merchantReferenceCode
purchaseTotals_currency
purchaseTotals_grandTotalAmount

Optional Field for Disabling Debit and Prepaid Partial Authorizations

You can use this optional field to include additional information when disabling debit and prepaid partial authorizations.
linkToRequest
Set this field to the request ID that was returned in the response message from the original authorization request.

Simple Order Example: Disabling Debit and Prepaid Partial Authorizations

Request
billTo_street1=201 S. Division St
billTo_city=Ann Arbor
billTo_country=US
billTo_state=MI
billTo_postalCode=48104-2201
billTo_email=
test@cybs.com

billTo_firstname=John
billTo_lastname=Deo
card_expirationMonth=12
card_expirationYear=2031
card_accountNumber=5555555555554444
ccAuthService_partialAuthIndicator=false
merchant_id=pa_ctv_sg101
merchantReferenceCode=TC50171_3
purchaseTotals_currency=usd
purchaseTotals_grandTotalAmount=1000.00
Response to a Successful Request
apCaptureService_authRequestID=6643889552520668668655
apAuthReply_reconciliationID=6643889552520668668655
card_cardType=002
ccAuthReply_amount=1000.00
ccAuthReply_avsCode=Y
ccAuthReply_authorizationCode=831000
ccAuthReply_authorizedDateTime=2022-09-28T173257Z
ccAuthReply_avsCodeRaw=Y
ccAuthReply_cavvResponseCode=2
ccAuthReply_cavvResponseCodeRaw=2
ccAuthReply_merchantAdviceCode=01
ccAuthReply_merchantAdviceCodeRaw=M001
ccAuthReply_processorResponse=00
ccAuthReply_reconciliationReferenceNumber=227118876340
ccCreditReply_paymentNetworkTransactionID=MCC8605090928
merchantReferenceCode=TC50171_3
payerAuthEnrollReply_cardTypeName=MASTERCARD
purchaseTotals_currency=usd
receiptNumber=876340
requestID=6618807769750178232890