API Overview

Payments Developer Guide
- Recent Revisions to This Document

Introduction to Payments
- Financial Institutions and Payment Networks
- Card Types
- Transaction Types
- 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
  - Sale
    - Dual-Message Processing
      - Partial Authorizations
    - Single-Message Processing
  - Authorization Reversals
  - Captures
    - Capture Workflow
  - Credits
    - Credit Workflow
  - Voids
- Payment Features
  - Debit and Prepaid Card Payments
  - Least-Cost Routing
  - Payer Authentication
  - Relaxed Requirements for Address Data and Expiration Date in Payment Transactions
  - Introduction to Credentialed Transactions
  - Visa Bill Payments
  - Visa Consumer 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
- 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
- Sale
- 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

Processing Payments Using Credentials
- Additional Resources for Credentialed Transactions
- Customer-Initiated Transactions with Credentials on File
  - Storing Customer Credentials with a CIT and PAN
  - Retrieving Stored Customer Credentials During a CIT
- Installment Payments
  - Customer-Initiated Installment Payments with PAN
  - Merchant-Initiated Installment Payments with PAN
- Recurring Payments
  - Customer-Initiated Recurring Payment with PAN
- Mastercard Standing Order Payments
  - Mastercard Initial CIT Standing Order Payment
- Mastercard Subscription Payments
  - Mastercard CIT Initial Subscription Payment
- Unscheduled COF Payments
  - Customer-Initiated Unscheduled COF Payment with PAN
  - Merchant-Initiated Unscheduled COF Payments with PAN

Visa Consumer Bill Payment Processing

On This Page

Payer Authentication Processing

This section shows you how to process authorizations that use these payer authentication methods:

American Express
: SafeKey

Discover
: ProtectBuy

Mastercard
: Identity Check

Visa
: Visa Secure

Related Information

See the Payer Authentication Developer Guide for details about payer authentication.

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