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 Reversal
- Sales
- Sales with Payment Network Tokens
- Captures
- Multiple Partial Captures
- Follow-On Credits
- Stand-Alone Credits
- Voids for a Capture or 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
- 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

Simple Order Example: Requesting an Authorization with Least-Cost Routing

Request

12345678910111213141516
billTo=Ann Arbor
billTo_country=US
billTo_email=null@cybersource.com
billTo_firstname=John
billTo_lastname=Smith
billTo_postalCode=48104-2201
billTo_state=MI
billTo_street1=201 S. Division St.
card_accountNumber=41111111XXXXXXXX
card_expirationMonth=12
card_expirationYear=2023
ccAuthService_run=true
ccAuthService_leastCostRouting=true
merchant_id=npr_paymentech
merchant_referenceCode=TC42703-1
purchaseTotals_currency==100

Response to a Successful Request

123456789101112
additional=e1cdcafc-cdbb-4ef7-8788-a1234e844805
requestID=6629977932421985593067
decision=ACCEPT
reasonCode=100
merchantReferenceCode=TC42703-1
purchaseTotals_currency=usd
ccAuthService_reconciliationID=57953165A7YFPS77
ccAuthReply_amount=100.00
ccAuthReply_avsCode=5
ccAuthReply_authorizationCode=570110
ccAuthReply_processorResponse=1
ccAuthReply_authorizedDateTime=2022-09-12T154953Z=123456789619999