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EMV Chip (Contactless) and Offline PIN
    For an EMV contactless payment, the customer taps the card on the terminal. The terminal and chip use NFC (near-field communication) to communicate with each other. For an offline PIN transaction, the customer uses a PIN to verify their identity and the chip verifies the PIN.
Endpoint
            POST 
https://api.cybersource.com
/pts/v2/payments