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
  - Merchant Financial Institutions (Acquirers)
  - Customer Financial Institutions (Issuers)
  - Payment Networks
  - Payment Processors
    - Visa Platform Connect Acquirers
- 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
    - Compliance
    - Merchant Remittance Funding
  - Token Management Service
- Payment Services
  - Authorizations
    - Online Authorizations
    - Offline Authorizations
    - Pre-Authorizations
    - Payment Network Token Authorizations
    - Authorization Workflow
  - Sales
    - Dual-Message Processing
      - Partial Authorizations
    - Single-Message Processing
  - Authorization Reversals
  - Automatic Partial Authorization Reversals
  - Captures
    - Capture Workflow
  - Credits
    - Credit Workflow
  - Voids
- Payment Features
  - Debit and Prepaid Card Payments
  - Airline Data
    - Cybersource Airline Data Processing
    - Airline Travel Legs
    - Airline Data Reference Information
      - Airline Document Type Codes
      - Ancillary Service Category Codes
  - Interchange Optimization
  - Japanese Payment Options
  - Mastercard Bill Payments
  - Mastercard Expert Monitoring Solutions
  - Payer Authentication
  - Relaxed Requirements for Address Data and Expiration Date in Payment Transactions
  - Split Shipments
  - Introduction to Credentialed 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
- Marketplace Authorizations with Foreign Retailers
  - Required Fields for Processing a Marketplace Authorization with a Foreign Retailer
  - Simple Order Example: Processing a Authorization with a Foreign Retailer
- Authorizations with Strong Customer Authentication Exemption
  - Required Fields for Processing an Authorization with an SCA Exemption
  - Simple Order Example: Processing an Authorization with an SCA Exemption for Low Value Transactions
- Zero Amount Authorizations
  - Required Fields for Processing a Zero Amount Authorization
    - Country-Specific Required Fields for Processing a Zero Amount Authorization
  - Simple Order Example: Processing a Zero Amount Authorization
- Pre-Authorizations
  - Required Fields for a Pre-Authorization
    - Country-Specific Required Fields for Processing a Pre-Authorization
  - Simple Order Example: Processing a Pre-Authorization
- Incremental Authorizations
  - Required Fields for Processing an Incremental Authorization
    - Country-Specific Required Fields for Processing an Incremental Authorization
  - Optional Field for Processing an Incremental Authorization
  - Simple Order Example: Processing an Incremental Authorization
- Final Authorization Indicator
  - Requirements for Final Authorizations
  - Pre-Authorizations
  - Unmarked Authorizations
    - Requirements for Unmarked Authorizations
  - Undefined Authorizations
    - Requirements for Undefined Authorizations
  - Required Fields for Final Authorizations
  - Simple Order Example: Final Authorizations
- Authorization Reversal
  - Required Fields for Processing an Authorization Reversal
  - Simple Order Example: Processing an Authorization Reversal
- Time-Out Authorization Reversals
  - Required Fields for Processing a Time-Out Authorization Reversal
  - Simple Order Example: Processing a Merchant-Initiated 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
- Marketplace Captures with Foreign Retailers
  - Required Fields for Capturing an Authorization with a Foreign Retailer
  - Simple Order Example: Capturing a Marketplace Authorization with a Foreign Retailer
- Multiple Partial Captures
  - Required Fields for Processing Multiple Partial Captures
  - Simple Order Example: Processing Multiple Partial Captures
- Forced Captures
  - Required Fields for Forced Captures
  - Simple Order Example: Forced Captures
- Follow-On Credits
  - Required Fields for Processing a Follow-On Credit
  - Simple Order Example: Processing a Follow-On Credit
- Stand-Alone Credits
  - Required Fields for Processing a Stand-Alone Credit
  - Simple Order Example: Processing a Stand-Alone Credit
- Voids for a Capture or Credit
  - Required Fields for Voiding a Capture or Credit
  - Simple Order API Example: Voiding a Capture or Credit
- Time-Out Voids for a Capture, Sale, Follow-On Credit, or Stand-Alone Credit
  - Required Fields for a Time-Out Void for a Capture, Sale, Follow-On Credit, or Stand-Alone Credit
  - Simple Order Example: Time-Out Void for a Capture, Sale, Follow-On Credit, or Stand-Alone 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

Airline Data Processing
- Airline Travel Legs
- Authorize an Airline Ticket Payment
  - Required Fields for Authorizing an Airline Payment
  - Simple Order Example: Authorizing an Airline Payment
- Captures for Ticket Purchases
  - Required Fields for Capturing an Airline Payment
    - Card-Specific Field to Capture an Airline Payment
  - Optional Fields for Capturing an Airline Payment
  - Simple Order Example: Capturing an Airline Payment
- Captures for Ancillary Purchases
  - Required Fields for Capturing an Authorization for Ancillary Purchases
  - Ancillary Fields for Capturing an Authorization for an Ancillary Purchase
  - Simple Order Example: Capturing an Authorization for an Ancillary Purchase
- Follow-On Credits
  - Required Fields for Processing an Airline Follow-On Credit
  - Optional Fields for Processing an Airline Follow-On Credit
  - Simple Order Example: Processing an Airline Follow-On Credit
- Issue a Stand-Alone Credit
  - Required Fields for Processing an Airline Stand-Alone Credit
  - Optional Fields for Processing an Airline Stand-Alone Credit
  - Simple Order Example: Processing an Airline Stand-Alone Credit

Japanese Payment Options Processing
- Authorize a Single Payment with Japanese Payment Options
  - Required Fields for Authorizing a Single Payment Using the JPO Method
  - Simple Order Example: Authorizing a JPO Single Payment
- Authorize a Bonus Payment with Japanese Payment Options
  - Required Fields for Authorizing a JPO Bonus Payment
  - Simple Order Example: Authorizing a JPO Bonus Payment
- Authorize an Installment Payment with Japanese Payment Options
  - Required Fields for Authorizing a JPO Installment Payment
  - Simple Order Example: Authorizing a JPO Installment Payment
- Authorize a Revolving Payment with Japanese Payment Options
  - Required Fields for Authorizing a Revolving Payment Using the JPO Method
  - Simple Order Example: Authorizing a JPO Installment Payment
- Authorize a Combination Payment with Japanese Payment Options
  - Required Fields for Authorizing a Combination Payment Using the JPO Method
  - Simple Order Example: Authorizing a JPO Combination Payment

Mastercard Processing
- Mastercard Bill Payment Processing
  - Required Fields for Authorizing a Mastercard Bill Payment
  - Simple Order Example: Authorizing a Mastercard Bill Payment
- Mastercard Expert Monitoring Solutions Processing
  - Required Fields for Processing an Authorization with Mastercard Expert Monitoring Solutions
  - Response Field for Authorizations with Mastercard Expert Monitoring Solutions
  - Simple Order Example: Obtaining the Mastercard Fraud Score for an Authorization

Payer Authentication Processing
- Additional Resources for Payer Authentication
- Providing Payer Authentication Information for Authorization
- American Express SafeKey
  - Required Fields for Processing an Authorization Using American Express SafeKey
  - Optional Field for Processing an Authorization Using American Express SafeKey
  - Simple Order Example: Processing an Authorization Using American Express SafeKey
- JCB J/Secure
  - Required Fields for Processing an Authorization Using JCB J/Secure Authentication
  - Simple Order Example: Processing an Authorization Using JCB J/Secure Authentication
- 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

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
    - 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
- Delayed Transaction
  - Merchant-Initiated Delayed Transaction with PAN
    - Required Fields for Processing a Merchant-Initiated Delayed Transaction
      - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
    - Simple Order Example: Processing a Merchant-Initiated Delayed Authorization Transaction
- Incremental Transaction
  - Merchant-Initiated Incremental Transaction with PAN
    - Required Fields for Processing Merchant-Initiated Incremental Transactions
      - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
    - Simple Order Example: Processing Merchant-Initiated Incremental Transactions
- No-Show Transactions
  - Merchant-Initiated No-Show Transactions with PAN
    - Required Fields for Processing Merchant-Initiated No-Show Charges
      - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
    - Optional Field for Processing Merchant-Initiated No-Show Charges
    - Simple Order Example: Processing Merchant-Initiated No-Show Transactions
- Reauthorization Transaction
  - Merchant-Initiated Reauthorization Transactions with PAN
    - Required Fields for Processing Merchant-Initiated Reauthorized Transactions
      - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
    - Simple Order Example: Processing a Merchant-Initiated Reauthorized Transaction
- Resubmission Transaction
  - Merchant-Initiated Resubmission Transaction with PAN
    - Required Fields for Processing a Merchant-Initiated Resubmitted Transaction
      - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
    - Simple Order Example: Processing a Merchant-Initiated Resubmitted Transaction
- Installment Payments
  - Customer-Initiated Installment Payments with PAN
    - Required Fields for Initial Customer-Initiated Installment Payments with a PAN
    - Simple Order Example: Authorizing Initial Customer-Initiated Installment Payments with a PAN
  - Merchant-Initiated Installment Payments with PAN
    - Required Fields for Authorizing Merchant-Initiated Subsequent Installment Payments
      - Card-Specific Required Field for Retrieving Customer Credentials During a CIT
      - Country-Specific Required Fields for Installment Payments with Mastercard or Visa Card
      - India-Specific Required Fields for Installment Payments
    - Simple Order Example: Authorizing Merchant-Initiated Subsequent Installment Payments
- Recurring Payments
  - Customer-Initiated Recurring Payment with PAN
    - Required Fields for Authorizing a Customer-Initiated Recurring Payment with PAN
    - Simple Order Example: Authorizing a Customer-Initiated Recurring Payment with a PAN
  - Merchant-Initiated Recurring Payments with PAN
    - Required Fields for Authorizing a Merchant-Initiated Recurring Payment
      - Card-Specific Required Fields for Authorizing Subsequent Recurring Payments
      - Country-Specific Required Fields for Authorizing Subsequent Recurring Payments
    - Simple Order Example: Authorizing a Merchant-Initiated Recurring Payment
- Mastercard Standing Order Payments
  - Mastercard Initial CIT Standing Order Payment
    - Required Fields for Authorizing Initial CIT Standing Order Payments
    - Simple Order Example: Authorizing Initial CIT Standing Order Payments
- Mastercard Subscription Payments
  - Mastercard CIT Initial Subscription Payment
    - Required Fields for Authorizing CIT Initial Subscription Payments
    - Simple Order Example: Authorizing Initial CIT Subscription Payments
- Unscheduled COF Payments
  - Customer-Initiated Unscheduled COF Payment with PAN
    - Required Fields for a Customer-Initiated Unscheduled COF Payment with PAN
    - Simple Order Example: Customer-Initiated Unscheduled COF Payment with PAN
  - Merchant-Initiated Unscheduled COF Payments with PAN
    - Required Fields for Authorizing Subsequent MIT Unscheduled COF Payments
      - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
      - Country-Specific Required Fields for Authorizing Subsequent Recurring Payments
    - Simple Order Example: Authorizing Subsequent MIT Unscheduled COF Payments

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Credit Cards

Cardholders use credit cards to borrow money from issuing banks to pay for goods and services offered by merchants that accept credit cards.

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