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Visa Consumer Bill Payment Processing

This section shows you how to process a Visa Consumer Bill Payment.

Fields Specific to this Use Case

Include
this field
 in a standard authorization when you request a Visa CBPS authorization:
invoiceHeader_businessApplicationID
Set the value to
CB
.

Endpoint

Set the
ccAuthService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.

Requirements

As a Visa CBPS provider you must comply with all Visa rules. For the Visa CBPS rules, see Rule ID# 0030635 of the Visa Rules "Acquirer Responsibilities Related to Consumer Bill Payment Service Providers" at visa-rules-public.pdf.
Before you process Visa CBPS payments, you must:
  • Contact your acquirer to register your account for the Visa Consumer Bill Pay Service.
  • Contact
    Cybersource
     customer support to have your account configured for this feature.

Related Information

Required Fields for Processing a Visa Consumer Bill Payment Service Authorization

When relaxed requirements for address data and the expiration date are being used, not all fields in this list are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. For details about relaxed requirements, see Relaxed Requirements for Address Data and Expiration Date in Payment Transactions.
billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
card_expirationMonth
card_expirationYear
ccAuthService_run
Set the value to
true
.
invoiceHeader_businessApplicationID
Set the value to
CB
.
merchantID
merchantReferenceCode
purchaseTotals_grandTotalAmount

Simple Order Example: Processing a Visa Consumer Bill Payment Service Authorization

Request 
billTo_city=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
merchant_id=npr_paymentech
merchant_referenceCode=MRC987654321
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=100
invoiceHeader_businessApplicationID=CB
Response to a Successful Request
requestID=6629977932421985593067
decision=ACCEPT
reasonCode=100
merchantReferenceCode=MRC987654321
purchaseTotals_currency=USD
ccAuthService_reconciliationID=57953165A7YFPS77
ccAuthReply_amount=100.00
ccAuthReply_avsCode=5
ccAuthReply_authorizationCode=570110
ccAuthReply_processorResponse=1
ccAuthReply_authorizedDateTime=2022-09-12T154953Z
ccAuthReply_paymentNetworkTransactionID=123456789619999
Response to a Declined Request
requestID=6629977932421985593067
merchantReferenceCode=MRC987654321
decision=REJECT
ccAuthReply_avsCode=Y
ccAuthReply_avsCodeRaw=Y
ccAuthReply_paymentNetworkTransactionID=111222
ccAuthReply_transactionID=111222

ccAuthReply_paymentInsightsInformation_responseInsightsCategory=ISSUER_CANNOT_APPROVE_WITH_THESE_DETAILS
ccAuthReply_paymentInsightsInformation_responseInsightsCategoryCode=03

ccAuthReply_processorResponse=183  
ccAuthReply_reasonCode=233