Stand-Alone Credit {#payments-processing-basic-credit-intro}
============================================================

This section shows you how to process a stand-alone credit, which is not linked to a capture or sale. There is no time limit for requesting a stand-alone credit.
When your account is enabled for credit authorizations, also known as purchase return authorizations, `Cybersource` authenticates the card and customer during a follow-on refund or stand-alone credit request. Every credit request is automatically authorized.  
Credit authorizations are handled the same for these card types:

* American Express

* Diners

* Discover

* JCB

* Mastercard

* Visa  
  Credit authorization results are returned in these response fields:

* ccCreditReply_authorizationCode

* ccCreditReply_paymentNetworkTransactionID

* ccCreditReply_processorResponse
  {#payments-processing-basic-credit-intro_d24e49}  
  When you request a void for a refund or credit before settlement, the refund or credit is voided. If your account is enabled for credit authorizations, the credit authorization is also reversed.

Endpoint {#payments-processing-basic-credit-intro_d7e112}
---------------------------------------------------------

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

Required Fields for Processing a Stand-Alone Credit {#payments-processing-basic-credit-required-fields}
=======================================================================================================

> 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 a Payment](/docs/cybs/en-us/payments/developer/ctv/so/payments/payments-relax-reqs.md "").

billTo_city
:

billTo_country
:

billTo_email
:

billTo_firstName
:

billTo_lastName
:

billTo_postalCode
:

billTo_state
:

billTo_street1
:

card_accountNumber
:

card_expirationMonth
:

card_expirationYear
:

ccCreditService
:
Set the value to `true`. For example `ccCreditService run="true"`.

merchantID
:

merchantReferenceCode
:
Set to merchantReferenceCode value used in corresponding capture request.

purchaseTotals_currency
:

purchaseTotals_grandTotalAmount
:

Simple Order Example: Processing a Stand-Alone Credit {#payments-processing-basic-credit-ex-so}
===============================================================================================

Request

```keyword
<requestMessage>
    <billTo>
        <firstName>John</firstName>
        <lastName>Doe</lastName>
        <street1>1295 Charleston Road</street1>
        <city>Mountain View</city>
        <state>CA</state>
        <postalCode>94043</postalCode>
        <country>US</country>
        <email>test@cybs.com</email>
    </billTo>
    <card>
        <accountNumber>CARD_NUMBER</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2026</expirationYear>
    </card>
    <merchantID>lrsebctest</merchantID>
    <merchantReferenceCode>Postman-1666381004</merchantReferenceCode>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>1.01</grandTotalAmount>
    </purchaseTotals>
    <ccCreditService run="true"/>
</requestMessage>
```

Response to a Successful Request

```
<c:replyMessge>
    <c:merchantReferenceCode>Postman-1666374834</c:merchantReferenceCode>
    <c:requestID>6663748348516429203007</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>1.01</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2022-10-21T17:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>66737280B9CGUCCP</c:reconciliationID>
        <c:paymentNetworkTransactionID>123456789619999</c:paymentNetworkTransactionID>
    </c:ccAuthReply>
    <c:card>
        <c:cardType>001</c:cardType>
    </c:card>
</c:replyMessge>
```