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
  - Co-Badged Cards
  - Co-Branded Cards
  - Credit Cards
  - Debit Cards
  - Prepaid Cards
  - Private Label Cards
- Transaction Types
  - Card-Not-Present Transactions
  - Authorizations with Card Verification Numbers
    - CVN Locations and Terminology
  - International Transactions
    - Compliance
    - Merchant Remittance Funding
  - Token Management Service
- Payment Services
  - Authorizations
    - Micropayment Authorizations
    - Online Authorizations
    - Offline Authorizations
    - Incremental Authorizations
      - Scenario for the Incremental Authorization Service
    - Pre-Authorizations
    - Payment Network Token Authorizations
    - Authorization Workflow
  - Sales
    - Dual-Message Processing
      - Partial Authorizations
    - Single-Message Processing
  - Authorization Reversals
  - Automatic Partial Authorization Reversals
  - Captures
    - Capture Workflow
  - Credits
    - Credit Workflow
  - Voids
- Payment Features
  - Debit and Prepaid Card Payments
  - Payer Authentication
  - Relaxed Requirements for Address Data and Expiration Date in Payment Transactions
  - Introduction to Credentialed Transactions
  - Visa Bill Payments
- 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
  - Simple Order Example: Processing a Basic Authorization
- Authorizations with Line Items
  - Optional Line Item Fields
  - Required Fields for Processing an Authorization with Line Items
  - Simple Order 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
  - Simple Order API Example: Authorizations with Payment Network Tokens
- Authorizations with a Card Verification Number
  - Required Fields for Processing an Authorization with a Card Verification Number
  - Optional Fields for Processing an Authorization with a Card Verification Number
  - Simple Order Example: Processing an Authorization with a Card Verification Number
- Authorizations with Strong Customer Authentication Exemption
  - Required Fields for Processing an Authorization with an SCA Exemption
  - Simple Order Example: Processing an Authorization with an SCA Exemption for Low Value Transactions
- Zero Amount Authorizations
  - Required Fields for Processing a Zero Amount Authorization
  - Simple Order Example: Processing a Zero Amount Authorization
- Pre-Authorizations
  - Required Fields for a Pre-Authorization
  - Simple Order Example: Processing a Pre-Authorization
- Final Authorization Indicator
  - Requirements for Final Authorizations
  - Pre-Authorizations
  - Unmarked Authorizations
    - Requirements for Unmarked Authorizations
  - Undefined Authorizations
    - Requirements for Undefined Authorizations
  - Required Fields for Final Authorizations
  - Simple Order Example: Final Authorizations
- Authorization Reversal
  - Required Fields for Processing an Authorization Reversal
  - Simple Order Example: Processing an Authorization Reversal
- Time-Out Authorization Reversals
  - Required Fields for Processing a Time-Out Authorization Reversal
  - Simple Order Example: Processing a Merchant-Initiated Authorization Reversal
- Sales
  - Required Fields for Processing a Sale
  - Simple Order 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
  - Simple Order API Example: Authorizations with Payment Network Tokens
- Captures
  - Required Fields for Capturing an Authorization
  - Simple Order Example: Capturing an Authorization
- Multiple Partial Captures
  - Required Fields for Processing Multiple Partial Captures
  - Simple Order Example: Processing Multiple Partial Captures
- Forced Captures
  - Required Fields for Forced Captures
  - Simple Order Example: Forced Captures
- Follow-On Credits
  - Required Fields for Processing a Follow-On Credit
  - Simple Order Example: Processing a Follow-On Credit
- Stand-Alone Credits
  - Required Fields for Processing a Stand-Alone Credit
  - Simple Order Example: Processing a Stand-Alone Credit
- Voids for a Capture or Credit
  - Required Fields for Voiding a Capture or Credit
  - Simple Order API Example: Voiding a Capture or Credit
- Time-Out Voids for a Capture, Sale, Follow-On Credit, or Stand-Alone Credit
  - Required Fields for a Time-Out Void for a Capture, Sale, Follow-On Credit, or Stand-Alone Credit
  - Simple Order Example: Time-Out Void 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
  - Required Fields for Processing Debit and Prepaid Authorizations
  - Optional Field for Processing Debit and Prepaid Authorizations
  - Simple Order 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
  - Simple Order 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
  - Simple Order Example: Disabling Debit and Prepaid Partial Authorizations

Payer Authentication Processing
- Additional Resources for Payer Authentication
- Providing Payer Authentication Information for Authorization
- American Express SafeKey
  - Required Fields for Processing an Authorization Using American Express SafeKey
  - Optional Field for Processing an Authorization Using American Express SafeKey
  - Simple Order Example: Processing an Authorization Using American Express SafeKey
- Discover/Diners ProtectBuy
  - Required Fields for Processing an Authorization Using Discover ProtectBuy Authentication
  - Simple Order Example: Processing an Authorization Using Discover ProtectBuy Authentication
- Mastercard Identity Check
  - Required Fields for Processing an Authorization Using Mastercard Identity Check
  - Simple Order Example: Processing an Authorization Using Mastercard Identity Check
- Visa Secure
  - Required Fields for Processing an Authorization Using Visa Secure
  - Simple Order Example: Validating and Authorizing an Authorization

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
  - Storing Customer Credentials with a CIT and PAN
    - Required Fields for Storing Customer Credentials During a CIT
    - Simple Order Example: Storing Customer Credentials During a CIT
  - 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
    - Simple Order Example: Retrieving Customer Credentials During a CIT
- Reauthorization Transaction
  - Merchant-Initiated Reauthorization Transactions with PAN
    - Required Fields for Processing Merchant-Initiated Reauthorized Transactions
      - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
    - Simple Order Example: Processing a Merchant-Initiated Reauthorized Transaction
- Installment Payments
  - Customer-Initiated Installment Payments with PAN
    - Required Fields for Initial Customer-Initiated Installment Payments with a PAN
    - Simple Order Example: Authorizing Initial Customer-Initiated Installment Payments with a PAN
  - Merchant-Initiated Installment Payments with PAN
    - Required Fields for Authorizing Merchant-Initiated Subsequent Installment Payments
      - Card-Specific Required Field for Retrieving Customer Credentials During a CIT
    - Simple Order Example: Authorizing Merchant-Initiated Subsequent Installment Payments
- Recurring Payments
  - Customer-Initiated Recurring Payment with PAN
    - Required Fields for Authorizing a Customer-Initiated Recurring Payment with PAN
    - Simple Order Example: Authorizing a Customer-Initiated Recurring Payment with a PAN
  - Merchant-Initiated Recurring Payments with PAN
    - Required Fields for Authorizing a Merchant-Initiated Recurring Payment
      - Card-Specific Required Fields for Authorizing Subsequent Recurring Payments
    - Simple Order Example: Authorizing a Merchant-Initiated Recurring Payment
- Mastercard Standing Order Payments
  - Mastercard Initial CIT Standing Order Payment
    - Required Fields for Authorizing Initial CIT Standing Order Payments
    - Simple Order Example: Authorizing Initial CIT Standing Order Payments
- Mastercard Subscription Payments
  - Mastercard CIT Initial Subscription Payment
    - Required Fields for Authorizing CIT Initial Subscription Payments
    - Simple Order Example: Authorizing Initial CIT Subscription Payments
- Unscheduled COF Payments
  - Customer-Initiated Unscheduled COF Payment with PAN
    - Required Fields for a Customer-Initiated Unscheduled COF Payment with PAN
    - Simple Order Example: Customer-Initiated Unscheduled COF Payment with PAN
  - Merchant-Initiated Unscheduled COF Payments with PAN
    - Required Fields for Authorizing Subsequent MIT Unscheduled COF Payments
    - Optional Field for Authorizing Subsequent MIT Unscheduled COF Transactions
    - Simple Order Example: Authorizing Subsequent MIT Unscheduled COF Payments

Visa Bill Payments Processing
- Visa Bill Payments Authorizations
  - Required Fields for Processing a Visa Bill Payment Authorization
  - Simple Order Example: Processing a Visa Bill Payment Authorization
- Visa Bill Payments Captures
  - Required Fields for Capturing a Visa Bill Payment
  - Simple Order Example: Capturing a Visa Bill Payment

Dual-Message Processing

Dual-message processing is a two-step process. The authorization is processed first. If the authorization is successful, the capture is processed immediately afterward. The response includes the authorization and the capture information. If the authorization is declined, the capture is not processed, and the response message includes only the authorization information.

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