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
- Zero Amount Authorizations
- Pre-Authorizations
- Final Authorization Indicator
- Least-Cost Routing Processing
- Authorization Reversals
- Sales
- Captures
- Multiple Partial Captures
- Follow-On Credits
- Stand-Alone 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
- American Express SafeKey
- 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
- Installment Payments
- Recurring Payments
- Mastercard Standing Order Payments
- Mastercard Subscription Payments
- Unscheduled COF Payments

Visa Consumer Bill Payment Processing
- Required Fields for Processing a Visa Consumer Bill Payment Service Authorization
- Simple Order Example: Processing a Visa Consumer Bill Payment Service Authorization

Micropayment Authorizations

Micropayments are payments for less than one unit in the transaction’s currency.

For Worldpay VAP, Cybersource supports micropayment authorizations for these payment cards:

American Express

Diners Club (in the US only)

Discover (in the US only)

JCB (in the US only)

Mastercard

Visa