API Overview

Payments Developer Guide
- Recent Revisions to This Document

Introduction to Payments
- Financial Institutions and Payment Networks
  - Merchant Financial Institutions (Acquirers)
  - Customer Financial Institutions (Issuers)
  - Payment Networks
  - Payment Processors
- Card Types
  - Credit Cards
  - Debit Cards
- Transaction Types
  - Card-Not-Present Transactions
  - Authorizations with Card Verification Numbers
    - CVN Locations and Terminology
  - International Transactions
    - Compliance
    - Merchant Remittance Funding
- Payment Services
  - Authorizations
    - Online Authorizations
    - Offline Authorizations
    - Pre-Authorizations
    - Authorization Workflow
  - Sales
    - Dual-Message Processing
      - Partial Authorizations
    - Single-Message Processing
  - Automatic Partial Authorization Reversals
  - Credits
    - Credit Workflow
  - Voids
- Payment Features
  - Debit and Prepaid Card Payments
  - Payer Authentication
  - Token Management Service
- Testing the Payment Services
  - Requirements for Testing
  - Test Card Numbers
  - Using Amounts to Simulate Errors
  - Test American Express Card Verification

Standard Payment Processing
- Basic Authorizations
  - Declined Authorizations
  - Required Fields for Processing a Basic Authorization
  - REST Interactive Example: Processing a Basic Authorization
  - REST Example: Processing a Basic Authorization
- Authorizations with Line Items
  - Required Fields for Processing an Authorization with Line Items
  - REST 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
  - REST Example: Authorizations with Payment Network Tokens
- Authorizations with Strong Customer Authentication Exemption
  - Required Fields for Processing an Authorization with an SCA Exemption
  - REST Example: Processing an Authorization with an SCA Exemption for Low-Value Transactions
- Pre-Authorizations
  - Required Fields for a Pre-Authorization
  - REST Example: Processing a Pre-Authorization
- Sales
  - Required Fields for Processing a Sale
  - REST Example: Processing a Sale
- Sales with Payment Network Tokens
  - Required Fields for Sales with Payment Network Tokens
  - Optional Fields for Sales with Payment Network Tokens
  - REST Example: Sales with Payment Network Tokens
- Captures
  - Required Fields for Capturing an Authorization
  - REST Example: Capturing an Authorization
- Refunds
  - Required Fields for Processing a Refund
  - REST Interactive Example: Processing a Refund
  - REST Example: Processing a Refund
- Voids for a Capture or Credit
  - Required Fields for Voiding a Capture or Credit
  - REST Example: Voiding a Capture or 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
  - Optional Field for Processing Debit and Prepaid Authorizations
  - REST 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
  - REST 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
  - REST Example: Disabling Debit and Prepaid Partial Authorizations

Payer Authentication Processing
- Additional Resources for Payer Authentication
- Providing Payer Authentication Information for Authorization
- Mastercard Identity Check
  - Required Fields for Processing an Authorization Using Mastercard Identity Check
  - REST Example: Processing an Authorization Using Mastercard Identity Check
- Visa Secure
  - Required Fields for Processing an Authorization Using Visa Secure
  - REST Example: Validating and Authorizing a Transaction

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
    - REST Example: Storing Customer Credentials During a CIT
  - Storing Customer Credentials with a CIT and TMS
    - Required Fields for Storing Customer Credentials with a CIT and TMS
    - REST Example: Storing Customer Credentials with a CIT and TMS
  - Retrieving 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
    - REST Example: Retrieving Customer Credentials During a CIT

Token Management Service Processing
- Additional Resources for TMS
- Authorizing a Payment with a Customer Token
  - Required Fields for Authorizing a Payment with a Customer Token
  - REST Example: Authorizing a Payment with a Customer Token
  - REST Example: Authorizing a Payment Using a Customer Token Linked to a Network Token
- Authorizing a Payment with a Non-Default Shipping Address
  - Required Fields for Authorizing a Payment with a Non-Default Shipping Address
  - REST Example: Authorizing a Payment with a Non-Default Shipping Address
- Authorizing a Payment with a Non-Default Payment Instrument
  - Required Fields for Authorizing a Payment with a Non-Default Payment Instrument
  - Optional Fields for Authorizing a Payment with a Non-Default Payment Instrument
  - REST Example: Authorizing a Payment with a Non-Default Payment Instrument
- Authorizing a Payment with a Payment Instrument
  - Required Fields for Authorizing a Payment with a Payment Instrument
  - Optional Fields for Authorizing a Payment with a Payment Instrument
  - REST Example: Authorizing a Payment with a Payment Instrument
- Authorize a Payment with an Instrument Identifier
  - Required Fields for Authorizing a Payment with an Instrument Identifier
  - REST Example: Authorizing a Payment with an Instrument Identifier
  - REST Example: Authorizing a Payment with an Instrument Identifier While Creating TMS Tokens
- Authorize a Payment While Ignoring Network Token
  - Required Fields for Authorizing a Payment While Ignoring Network Token
  - REST Example: Authorizing a Payment While Ignoring Network Token
- Authorizing a Payment with a Legacy Token
  - Required Fields for Authorizing a Payment with a Legacy Token
  - REST Example: Authorizing a Payment with a Legacy Token
- Making a Credit with a Customer Token
  - Required Fields for Making a Credit with a Customer Token
  - REST Example: Making a Credit with a Customer Token
- Making a Credit with a Non-Default Payment Instrument
  - Required Fields for Making a Credit with a Non-Default Payment Instrument
  - Optional Fields for Making a Credit with a Non-Default Payment Instrument
  - REST Example: Making a Credit with a Non-Default Payment Instrument
- Making a Credit with a Payment Instrument
  - Required Fields for Making a Credit with a Payment Instrument
  - REST Example: Making a Credit with a Payment Instrument
- Making a Credit with an Instrument Identifier
  - Required Fields for Making a Credit with an Instrument Identifier
  - REST Example: Making a Credit with an Instrument Identifier
- Making a Credit with a Legacy Token
  - Required Fields for Making a Credit with a Legacy Token
  - REST Example: Making a Credit with a Legacy Token

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.

WARNING

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:

refunds

and stand-alone credits.

Refunds

Refunds, also known as follow-on credits

, 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. To perform multiple refunds, use the same request ID in each request.

Stand-Alone Credits

Stand-alone credits are not tied 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.

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