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
  - Authorizations
    - Online Authorizations
    - Offline Authorizations
    - Pre-Authorizations
    - Payment Network Token Authorizations
    - Authorization Workflow
  - Sale
    - 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 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

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
- Airline Travel Legs
- Authorize an Airline Ticket Payment
- Captures for Ticket Purchases
- Captures for Ancillary Purchases
- Follow-On Credits
- Issue a Stand-Alone 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

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
  - Retrieving Stored Customer Credentials During a CIT
- Delayed Transaction
  - Merchant-Initiated Delayed Transaction with PAN
- Incremental Transaction
  - Merchant-Initiated Incremental Transaction with PAN
- No-Show Transactions
  - Merchant-Initiated No-Show Transactions with PAN
- Reauthorization Transaction
  - Merchant-Initiated Reauthorization Transactions with PAN
- Resubmission Transaction
  - Merchant-Initiated Resubmission Transaction with PAN
- Installment Payments
  - Customer-Initiated Installment Payments with PAN
  - Merchant-Initiated Installment Payments with PAN
- Recurring Payments
  - Customer-Initiated Recurring Payment with PAN
- Mastercard Standing Order Payments
  - Mastercard Initial CIT Standing Order Payment
- Mastercard Subscription Payments
  - Mastercard CIT Initial Subscription Payment
- Unscheduled COF Payments
  - Customer-Initiated Unscheduled COF Payment with PAN
  - Merchant-Initiated Unscheduled COF Payments with PAN

On This Page

Credits

Credits are payment refunds from a merchant to the cardholder after a cardholder pays for a product or service and that payment is captured by the merchant. When a credit request is successful, the issuer transfers funds from the merchant bank (acquirer) account to the customer's account. It typically takes 2 to 4 days for the acquirer to transfer funds from your merchant account.

You should carefully control access to the credit service. Do not request this service directly from your customer interface. Instead, incorporate this service as part of your customer service process. This process reduces the potential for fraudulent transactions.

There are two basic types of credits:

follow-on credits

and stand-alone credits.

Follow-On Credits

Follow-on credits, also known as refunds

, use the capture request ID to link the refund to a specific transaction.

This request ID is returned during the capture request (also known as a settlement
) and is used in all subsequent refunds associated with the original capture.

The request ID links the transaction to the customer’s billing and account information, so you are not required to include those fields in the credit request.

However, when you combine a request for a refund with a request for another service, such as the tax calculation service, you must provide the customer’s billing and account information.

Unless otherwise specified, refunds must be requested within 180 days of a settlement. You can request multiple refunds against a single capture or sale transaction as long as the total amount does not exceed the original purchase amount. To perform multiple refunds, use the same request ID in each request.

Stand-Alone Credits

Stand-alone credits are not connected to an original transaction. Stand-alone credits do not have a time restriction, and they can be used to issue refunds more than 180 days after a transaction settlement.

Back to top