API Overview

Payments Developer Guide
- Recent Revisions to This Document

Introduction to Payments
- Financial Institutions and Payment Networks
- Card Types
- Transaction Types
- Payment Services
- Payment Features

Standard Payment Processing
- Additional Resources for Processing Payments
- Basic Authorizations
- Authorizations with Line Items
- Authorizations with Payment Network Tokens
- Authorizations with a Card Verification Number
- Authorizations with Strong Customer Authentication Exemption
- Zero Amount Authorizations
- Pre-Authorizations
- Final Authorization Indicator
- Authorization Reversals
- Sales
- Captures
- Multiple Partial Captures
- Refunds
- Credits
- Voids

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

Payer Authentication Processing
- Additional Resources for Payer Authentication
- Providing Payer Authentication Information for Authorization
- Discover/Diners ProtectBuy
- Mastercard Identity Check
- Visa Secure

Relaxed Requirements for Address Data and Expiration Date in Payment Transactions
- Requirements
- Services
- Relaxed Fields

Processing Payments Using Credentials
- Additional Resources for Credentialed Transactions
- Customer-Initiated Transactions with Credentials on File
- Delayed Transaction
- Incremental Transaction
- No-Show Transactions
- Reauthorization Transaction
- Resubmission Transaction
- Installment Payments
- Recurring Payments
- Mastercard Standing Order Payments
- Mastercard Subscription Payments
- Unscheduled COF Payments

Token Management Service Processing
- Additional Resources for TMS
- Authorizing a Payment with a Customer Token
- Authorizing a Payment with a Non-Default Shipping Address
- Authorizing a Payment with a Non-Default Payment Instrument
- Authorizing a Payment with a Payment Instrument
- Authorize a Payment with an Instrument Identifier
- Authorize a Payment While Ignoring Network Token
- Authorizing a Payment with a Legacy Token
- Making a Credit with a Customer Token
- Making a Credit with a Non-Default Payment Instrument
- Making a Credit with a Payment Instrument
- Making a Credit with an Instrument Identifier
- Making a Credit with a Legacy Token

Visa Bill Payments Processing
- Visa Bill Payments Authorizations
- Visa Bill Payments Captures

Debit and Prepaid Card Payments

Debit cards are linked to a cardholder's checking account. A merchant who accepts the debit card can deduct funds directly from the linked cardholder's account.

You can process debit cards using these services:

Credit card services

PIN debit services

Partial authorizations, which are a special feature available for debit cards

Balance inquiries, which are a special feature available for debit cards

Related Information

See Standard Payment Processing for information that shows you how to use credit card services.

See Debit and Prepaid Card Processing for information that shows you how to process authorizations that use a debit or prepaid card.