For an EMV chip-based authorization, the customer inserts the card into a POS terminal, which causes the chip to be in direct physical contact with the terminal. For an online PIN transaction, the customer uses a PIN to verify their identity and the issuer verifies the PIN.

Endpoint

POST
https://api.cybersource.com
/pts/v2/payments

Fallback

EMV fallback is an option that allows you to use an alternative authorization method if the EMV authorization experiences a technical failure. To enable EMV fallback:
  • Specify that EMV Fallback is allowed.
    pointOfSaleInformation.emv.fallback=true
  • Specify the condition that triggers EMV Fallback
    for American Express or Mastercard transactions
    .
    pointOfSaleInformation.emv.fallbackCondition=<condition>
  • Provide the service code from the track data for American Express or Mastercard transactions.
    pointOfSaleInformation.serviceCode=<service_code>

Required Fields for a Contact EMV Authorization with Online PIN Using the
REST
 API

orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
pointOfSaleInformation.cardPresent
Set this field to
true
.
pointOfSaleInformation.encryptedPin
pointOfSaleInformation.entryMode
Set this field to
contact
 for an EMV payment.
pointOfSaleInformation.tags
pointOfSaleInformation.trackData
processingInformation.commerceIndicator
Set this field to
retail
.

REST Example: EMV Chip and Online PIN Authorization

Request
Endpoint:
POST
https://api.cybersource.com
/pts/v2/payments
{
    "processingInformation": {
        "commerceIndicator": "retail"
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "99.98",
            "currency": "usd"
        }
    },
    "pointOfSaleInformation": {
        "cardPresent": "true",
        "entryMode": "contact",
        "terminalCapability": "4",
        "encryptedPin": "1234567812345678",
        "tags": "9F3303204000950500000000009F3704518823719F100706011103A000009F26081E1756ED0E2134E29F36020015820200009C01009F1A0208409A030006219F02060000000020005F2A0208409F0306000000000000"
        "trackData": "%B4111111111111111^LEE/TANYA^25121200123456789025**XXX******?;4111111111111111=25121200XXXX00000000?*"
    }
}
Response
{
    "_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/6559185445566394203955/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/6559185445566394203955"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/6559185445566394203955/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "1655918544653"
    },
    "id": "6559185445566394203955",
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "99.98",
            "currency": "usd"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "001"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "001"
        },
        "card": {
            "type": "001"
        }
    },
    "pointOfSaleInformation": {
        "terminalId": "111111"
    },
    "processorInformation": {
        "approvalCode": "888888",
        "networkTransactionId": "123456789619999",
        "transactionId": "123456789619999",
        "responseCode": "100",
        "avs": {
            "code": "1"
        }
    },
    "reconciliationId": "68164611U43Z1LRC",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2022-06-22T17:22:24Z"
}