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About This Guide

Introduction to Payments
- Payment Services
- Financial Institutions and Payment Networks
  - Merchant Financial Institutions (Acquirers)
  - Issuing (Customer) Financial Institutions
  - Payment Networks
  - Payment Processors
- Card Types
  - Co-Badged Cards
  - Co-Branded Cards
  - Credit Cards
  - Debit Cards
  - Prepaid Cards
  - Private Label Cards
  - Quasi-Cash
- Transaction Types
  - Card-Not-Present Transactions
  - Card-Present Transactions
  - Authorizations with Card Verification Numbers
    - CVN Locations and Terminology
    - International Transactions
      - Dynamic Currency Conversion
      - Merchant Remittance Funding
  - Token Management Service
- Payment Processing
  - Authorizations
    - Online Authorizations
    - Offline Authorizations
    - Incremental Authorizations
      - Example
    - Payment Network Token Authorizations
    - Authorization Workflow
  - Sales
    - Dual Message Processing
      - Partial Authorizations
    - Single Message Processing
  - Authorization Reversals
  - Credits
    - Credit Workflow
  - Capture or Credit Voids
  - Split Shipments
  - Capture
    - Capture Workflow

Basic Processing
- Basic Authorizations
  - Required Fields for Processing Basic Authorizations Using the Simple Order API
    - Country-Specific Required Fields for Processing Basic Authorizations Using the Simple Order API
  - Declined Authorizations
  - SO Example: Processing a Basic Authorization
- Authorization with Line Itemization
  - Optional Line Item Fields
  - Required Fields
  - Country Specific Required Fields
  - Processing a Basic Authorization with Line Items and DCC
- Incremental Authorization
  - Required Fields for Processing Incremental Authorizations Using SO APIs
    - Country Specific Required Fields for Processing Basic Authorizations Using SO APIs
  - Optional Fields for Processing Incremental Authorizations Using SO APIs
  - Example: Processing an Incremental Authorization Using the SO API
- Processing an Authorization with a Card Verification Number
  - Required Fields for Processing Basic Authorizations with a Card Verification Number Using the Simple Order API
  - Optional Fields for an Authorization with a Card Verification Number
  - SO Example: Processing an Authorization with a CVN
- Zero Amount Authorizations
  - Required Fields for Processing Zero Amount Authorizations Using the Simple Order API
  - Country-Specific Required Fields for Processing Basic Zero Amount Authorizations Using the Simple Order API
  - SO Example: Processing a Zero Amount Authorization
- Authorization with a SCA Exemption
  - Required Fields for an Authorization with an SCA Exemption
  - payments-processing-pa-sca-exampts-ex-so
- Authorization Reversals
  - Required Fields for Processing Authorization Reversals Using Simple Order API
  - Example: Processing an Authorization Reversal Using the Simple Order API
- Captures
  - Required Fields for Capturing a Payment Using the Simple Order API
  - SO Example: Capturing an Authorization
- Multiple Captures
  - Required Fields for Multiple Captures
  - SO Example: Processing Multiple Partial Captures
- Stand Alone Credits
  - Required Fields for Processing a Stand Alone Credit Using the Simple Order API
  - SO Example: Processing a Stand-Alone Credit
- Follow-On Credits
  - Required Fields for Processing Follow-On Credits Using the Simple Order API
  - Example: Processing a Follow-On Credit Using the SO API
- Sales
  - Required Fields for Processing a Sale Using the Simple Order API
  - SO Example: Requesting a Sale
- Voids
  - Required Fields for Processing Voids Using Simple Order APIs

Card-Present Authorizations
- EMV Chip and Online PIN Authorization
  - Fallback
  - Required Fields for a Contact EMV Authorization with Online PIN Using the Simple Order API
  - Country-Specific Required Fields for an EMV Credit Card Transaction Using the Simple Order API
  - SO Example: EMV Chip and Online Pin Authorization
- EMV Chip (Contact) and Offline PIN Authorization
  - Fallback
  - Required Fields for a Contact EMV Authorization with Offline PIN Using the Simple Order API
  - Country-Specific Required Fields for an EMV Credit Card Transaction Using the Simple Order API
  - SO Example: EMV Chip (Contact) with an Offline PIN
- EMV Chip (Contact) and Signature
  - Fallback
  - Required Fields for a Contact EMV Authorization with a Signature Using the Simple Order API
  - Country-Specific Required Fields for an EMV Credit Card Transaction Using the Simple Order API
  - SO Example: EMV Chip (Contact) with a Signature
- EMV Chip (Contactless) and Online PIN
  - Fallback
  - Required Fields for an EMV Contactless Authorization with an Online PIN Using the Simple Order API
  - Country-Specific Required Fields for an EMV Credit Card Transaction Using the Simple Order API
  - SO Example: EMV Chip (Contactless) with an Online PIN
- EMV Chip (Contactless) and Offline PIN
  - Fallback
  - Required Fields for an EMV Contactless Authorization with an Offline PIN Using the Simple Order API
  - Country-Specific Required Fields for an EMV Credit Card Transaction Using the Simple Order API
  - SO Example: EMV Chip (Contactless) with an Offline PIN
- EMV Chip (Contactless with a Signature
  - EMV Fallback
  - Required Fields for an EMV Contactless Authorization with a Signature Using the Simple Order API
  - Country-Specific Required Fields for an EMV Credit Card Transaction Using the Simple Order API
  - SO Example: EMV Chip (Contactless) with a Signature

Split Shipments
- 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

Payer Authentication Processing
- American Express SafeKey
  - Required Fields for an Authorization with American Express SafeKey
  - Optional Field for an Authorization with American Express SafeKey
  - Simple Order Example: Authorizing American Express SafeKey
- payments-pa-protectbuy-intro
  - Required Fields for an Authorization using Discover ProtectBuy Authentication
  - Simple Order Example: Authorizing ProtectBuy
- JCB J/Secure
  - Required Fields for an Authorization using JCB J/Secure Authentication
  - Simple Order Example: Authorizing JCB J/Secure
- Mastercard Identity Check
  - Required Fields for an Authorization with Mastercard Identity Check
  - Simple Order Example: Authorizing Mastercard Identity Check
- Visa Secure
  - Required Fields for an Authorization with Visa Secure
  - Simple Order Example: Authorizing Visa Secure

Stored Credential Processing
- Customer-Initiated Transactions with Credentials on File
  - Storing Customer Credentials with a Customer-Initiated Transaction
    - Required Fields
    - SO Example: Storing Customer Credentials During a Customer-Initiated Transaction
  - Using Stored Customer Credentials During a Customer-Initiated Transaction
    - Required Fields
    - Card-Specific Required Fields
    - SO Example: Retrieving Customer Credentials During a Customer-Initiated Transaction
- Merchant-Initiated Transactions
  - Industry Practice Transactions
    - Merchant-Initiated Delayed Transaction
      - Required Fields
      - Card-Specific Required Fields
      - SO Example: Merchant-Initiated Delayed Authorization Transaction
    - Merchant-Initiated Incremental Transaction
      - Required Fields
      - Card-Specific Required Fields
      - SO Example: Merchant-Initiated Incremental Authorization
    - Merchant-Initiated Reauthorization Transactions
      - Required Fields
      - Card-Specific Required Fields
      - SO Example: Merchant-Initiated Reauthorization Transaction
    - Merchant-Initiated Resubmission Transaction
      - Required Fields
      - Card-Specific Required Fields
      - SO Example: Merchant-Initiated Resubmitted Authorization Transaction
    - Merchant-Initiated No-Show Transactions
      - Required Fields
      - Card-Specific Required Fields
      - SO Example: Merchant-Initiated No-Show Transaction
  - Standing Instruction Transactions
    - Installment Payments
      - Initial CIT Installment Payment
        Required Fields for Authorizing Initial Installment Payments Using Simple Order APIs
        Card-Specific Required Fields
        SO Example: Initial Customer-Initiated Transaction Installment Payment
      - Subsequent MIT Installment Payments
        Required Fields for Authorizing Subsequent Installment Payments Using Simple Order APIs
        Card-Specific Required Fields
        SO Example: Subsequent Installment Authorization
    - Recurring Payments
    - Recurring Billing for Recurring Payments
    - Initial CIT Recurring Payment with a PAN
      - Required Fields for Authorizing Initial Recurring Payments Using Simple Order APIs
      - SO Example: Initial CIT Recurring Payment
    - Mastercard Standing Order Payments
      - Mastercard Initial CIT Standing Order Payment
        Required Fields for Authorizing Standing Order Payments Using Simple Order APIs
        SO Example: Initial CIT Standing Order Payment
    - Mastercard Subscription Payments
      - Mastercard Initial CIT Subscription Payment
        Required Fields for Authorizing Subscription Payments Using Simple Order APIs
        SO Example: Initial CIT Subscription Payment
    - Unscheduled COF Payments
      - Initial CIT Unscheduled COF Payment
        Required Fields for Authorizing Initial Unscheduled COF Payments Using Simple Order APIs
        SO Example: Initial CIT Unscheduled COF Payment

Processing Token Management Service Payments
- Authorize a Payment with a Customer Token
  - tms-cust-tkn-pay-reqfields
- Authorize a Payment with a Non-Default Shipping Address
  - tms-ship-addr-make-pay-nondefault-ship-addr-reqfie
- Authorize a Payment with Non-Default Payment Instrument
  - tms-cust-pi-tkn-pay-nondefault-pi-reqfields
  - tms-cust-pi-tkn-pay-nondefault-pi-optfields
- Authorize a Payment with a Payment Instrument
  - tms-pi-tkn-pay-reqfields
  - tms-pi-tkn-pay-optfields
- Authorize a Payment with an Instrument Identifier
  - tms-ii-tkn-pay-reqfields
- Authorize a Payment with Legacy Token
  - tms-legacy-tkn-pay-reqfields
- Make a Credit with a Customer Token
  - tms-cust-tkn-credit-reqfields
- Make a Credit with Non-Default Payment Instrument
  - tms-cust-pi-tkn-credit-nondefault-pi-reqfields
  - tms-cust-pi-tkn-credit-nondefault-pi-optfields
- Make a Credit with a Payment Instrument
  - tms-pi-tkn-credit-reqfields
- Make a Credit with an Instrument Identifier
  - tms-ii-tkn-credit-reqfields
- Make a Credit with Legacy Token
  - tms-legacy-tkn-credit-reqfields

Debit and Prepaid Card Processing
- Processing Debit and Prepaid Authorizations
  - Required Fields for Debit and Prepaid Authorizations Using Simple Order APIs
    - Country Specific Required Fields for Processing Basic Authorizations Using Simple Order APIs
  - Optional Field for Debit and Prepaid Authorizations Using Simple Order APIs
  - SO Example: Debit and Prepaid Authorizations
- Enabling Debit and Prepaid Partial Authorizations
  - Required Field for Enabling Debit and Prepaid Partial Authorizations Using Simple Order APIs
  - Optional Field for Enabling Debit and Prepaid Partial Authorizations Using Simple Order APIs
  - Enabling Partial Authorizations
  - Example: Enabling Debit and Prepaid Partial Authorizations Using the Simple Order API
- Disabling Debit and Prepaid Partial Authorizations
  - Required Field for Disabling Debit and Prepaid Partial Authorizations Using Simple Order APIs
  - Optional Field for Disabling Debit and Prepaid Partial Authorizations Using Simple Order APIs
  - Disabling Partial Authorizations
  - Example: Disabling Debit and Prepaid Partial Authorizations Using the Simple Order API

On This Page

Introduction to Payments

This introduction provides the basic information that you will need to successfully process payment transactions. It also provides an overview of the payments industry and provides workflows for each process.