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

Test Card Numbers

Use these payment card numbers to test the authorization, capture, and credit services. Remove the spaces from the test card numbers when sending them to the test system. Do not use real payment card numbers. To test card types that are not included in the list, use an account number that is in the card’s BIN range. For best results, try each test with a different service request and with different test payment card numbers.

The test card numbers that are provided are formatted with Xs for zeroes in the card number. When testing with the card numbers, replace each X with a 0 (zero).

American Express—3782 8224 631X XX5

Discover—6X11 1111 1111 1117

JCB—3566 1111 1111 1113

Maestro (International)

5X33 9619 89X9 17

5868 2416 0825 5333 38

Maestro (UK Domestic)—the issue number is not required for Maestro (UK Domestic) transactions.

6759 4111 XXXX XXX8

6759 56XX 45XX 5727 054

5641 8211 1116 6669

Mastercard

2222 42XX XXXX 1113

2222 63XX XXXX 1125

5555 5555 5555 4444

UATP—1354 1234 5678 911

Visa—4111 1111 1111 1111

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