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
- Testing the Payment Services

Standard Payment Processing
- 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 Reversal
- Time-Out Authorization Reversals
- Sales
- Sales with Payment Network Tokens
- Captures
- Multiple Partial Captures
- Follow-On Credits
- Stand-Alone Credits
- Voids for a Capture or Credit
- Time-Out Voids 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
- 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
- JCB J/Secure
- 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
- No-Show Transactions
- Reauthorization Transaction
- Resubmission Transaction
- Recurring Payments
- Mastercard Standing Order Payments
- Mastercard Subscription Payments
- Unscheduled COF Payments

Simple Order Example: Processing an Authorization Using JCB J/Secure Authentication

Request

1234567891011121314151617
billTo=Sao Paulo
billTo_country=BR
billTo_email=null@cybersource.com
billTo_firstname=Julia
billTo_lastname=Fernandez
billTo_postalCode=01310-000
billTo_state=SP
billTo_street1=R. Augusta
card_accountNumber=41111111XXXXXXXX
card_expirationMonth=12
card_expirationYear=2026
ccAuthService_run=true
ccAuthService_cavv=ABCDEFabcdefABCDEFabcdef0987654321234567
ccAuthService_commerceIndicator=js
ccAuthService_xid=MID23
merchant_referenceCode=Merchant_REF
purchaseTotals_currency==100

Response to a Successful Request

123456789101112
merchantReferenceCode=Merchant_REF=6461515866500167772420
decision=ACCEPT
reasonCode=100
purchaseTotals_currency=mxn
ccAuthReply_cardCategory=F
ccAuthService_reconciliationID=ZUDCXJO8KZRFXQJJ
ccAuthReply_reasonCode=100
ccAuthReply_amount=100.00
ccAuthReply_avsCode=5
ccAuthReply_authorizationCode=570110
ccAuthReply_processorResponse=1
ccAuthReply_authorizedDateTime=2022-03-01T161947Z=111222