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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

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Simple Order API | Visa Platform Connect

Relaxed Fields

When relaxed requirements for address data and expiration date are enabled for your Cybersource account, and your service request does not include one or more of the fields in the following list, you increase the risk of declined transactions and fraud depending on your location, your processor, and the cardholder's issuing bank.

It is your responsibility to determine whether a field is required for the transaction you are requesting. For example, an issuing bank can decline an authorization request for a recurring transaction with a Visa Europe card if the expiration date is incorrect, invalid, or missing. If you do not provide the correct expiration date for a recurring transaction the authorization request may be declined.

billTo_city
billTo_country
billTo_email
billTo_firstname
billTo_lastname
billTo_postalCode
billTo_state
billTo_street1
card_expirationMonth: When you include this field in your request, you must also include
card_expirationYear
.; You can submit an expiration date that has expired. This exception does not apply when you combine any of the services listed above with any other service.; This field is required for payment network token transactions and subscription creation requests.
card_expirationYear: When you include this field in your request, you must also include
card_expirationMonth
.; You can submit an expiration date that has expired. This exception does not apply when you combine any of the services listed above with any other service.; This field is required for payment network token transactions and subscription creation requests.