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VISA Platform Connect: Specifications and Conditions for Resellers/Partners

Introduction to Payments
- 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 Services
  - Authorizations
    - Online Authorizations
    - Offline Authorizations
    - Payment Network Token Authorizations
    - Authorization Workflow
  - Authorization Reversals
  - Automatic Partial Authorization Reversals
  - Credits
    - Credit Workflow
  - Voids
  - Sales
    - Dual-Message Processing
      - Partial Authorizations
    - Single-Message Processing
- 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
  - Stored Credentials

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
- Authorizations with Foreign Merchants
  - Required Fields for Processing a Basic Authorization
  - Simple Order Example: Processing a Authorization with a Foreign Merchant
- 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
- Incremental Authorizations
  - Required Fields for Processing an Incremental Authorization
    - Country-Specific Required Fields for Processing an Incremental Authorization
  - Optional Fields 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 Reversals
  - Required Fields for Processing an Authorization Reversal
  - Simple Order Example: Processing an Authorization Reversal
- Timeout Authorization Reversals
  - Required Fields for Processing a Timeout Authorization Reversal
  - Simple Order Example: Processing a Merchant-Initiated Authorization Reversal
- Captures
  - Required Fields for Capturing an Authorization
  - Simple Order Example: Capturing an Authorization
- Captures with Foreign Merchants
  - Required Fields for Capturing an Authorization
  - Simple Order Example: Capturing an Authorization
- 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 Credit
  - Required Fields for Processing a Stand-Alone Credit
  - Simple Order Example: Processing a Stand-Alone Credit
- Sales
  - Required Fields for Processing a Sale
  - Simple Order Example: Processing a Sale
- Void
  - Required Fields for Processing a Void
  - Simple Order API Example: Processing a Void
- Timeout Voids for a Capture, Sale, Follow-On Credit, or Stand-Alone Credit
  - Required Fields for Processing a Timeout Void for a Capture, Sale, Follow-On Credit, or Stand-Alone Credit
  - Simple Order Example: Processing a Timeout 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
- Authorizations
  - 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
- Stand-Alone Credits
  - 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: Processing an Authorization Using Visa Secure

Relaxed Requirements for Address Data and Expiration Date in Credit Card 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
- Using 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
- 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
- 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
- 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
- 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
- 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
    - 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 Using Simple Order API
    - 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 Initial CIT Standing Order Payment with TMS
    - Required Fields for Authorizing Initial CIT Standing Order Payments with TMS
- 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 Authorizing Initial CIT Unscheduled COF Payments
    - Simple Order Example: Authorizing Initial CIT Unscheduled COF Payments
  - 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

On This Page

Simple Order API | Visa Platform Connect

Simple Order Example: Obtaining the Mastercard Fraud Score for an Authorization

This example shows a successful authorization request for a Mastercard payment card. If Mastercard Expert Monitoring Solutions is enabled, Mastercard can return a fraud score for the transaction.

Endpoint

Set the

ccAuthService_run

field to

true

.

Send the request to

https://ics2ws.ic3.com/commerce/1.x/transactionProcessor

.

Request

This request is for a Mastercard payment card issued in the US.

ccAuthService_run=true
billTo_city=Sao Paulo
billTo_country=BR
billTo_email=john.doe@company.com
billTo_firstname=John
billTo_lastname=Smith
billTo_postalCode=04543907
billTo_state=SP
billTo_street1=Av Pres Juscelino Kubistchek 1909
card_accountNumber=555555555555xxxx
card_expirationMonth=12
card_expirationYear=2031
merchant_id=demo_merchant
merchant_referenceCode=TC42703-1
purchaseTotals_currency=BRL
purchaseTotals_grandTotalAmount=100

Response to a Successful Request

The

ccAuthReply_emsTransactionRiskScore

response field contains the fraud score returned by Mastercard Expert Monitoring Solutions. In this example, the fraud score indicates a high likelihood (field value

843

) of suspicious service station activity (field value

09

).

additional_processor_response=e1cdcafc-cdbb-4ef7-8788-a1234e844805
requestID=6629977932421985593067
decision=ACCEPT
reasonCode=100
merchantReferenceCode=TC42703-1
purchaseTotals_currency=brl
ccAuthService_reconciliationID=57953165A7YFPS77
ccAuthReply_amount=100.00
ccAuthReply_avsCode=5
ccAuthReply_authorizationCode=570110
ccAuthReply_emsTransactionRiskScore=84309
ccAuthReply_processorResponse=1
ccAuthReply_authorizedDateTime=2022-09-12T154953Z
ccAuthReply_paymentNetworkTransactionID=123456789619999
requestToken=Axj/7wSTZ2ltSmjDPebrABEg1buWrNi2awW9mNQpt26aVBa2DsAU0qC1sHZpA6cQIz4ZNuOAZxjceFoE5NnaW1KaMM95usAAgxhp