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About This Guide

Introduction to Payments
- Financial Institutions and Payment Networks
  - Merchant Financial Institutions (Acquirers)
  - Issuing (Customer) Financial Institutions
  - 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
  - Card-Present Transactions
  - Authorizations with Card Verification Numbers
    - CVN Locations and Terminology
  - International Transactions
    - Dynamic Currency Conversion
    - Merchant Remittance Funding
  - Token Management Service
- Payment Services
  - Authorizations
    - Micropayment Authorizations
    - Online Authorizations
    - Offline Authorizations
    - Incremental Authorizations
    - Payment Network Token Authorizations
    - Authorization Workflow
  - Authorization Reversals
  - Captures
    - Capture Workflow
  - Credits
    - Credit Workflow
  - Voids
  - Sales
    - Dual Message Processing
      - Partial Authorizations
    - Single Message Processing
- Payment Features
  - Debit and Prepaid Card Payments
  - Payer Authentication
  - Stored Credentials
  - Visa Bill Payments

Standard Payments Processing
- Basic Authorizations
  - Declined Authorizations
  - Required Fields for Processing a Basic Authorization
- Authorizations with Line Items
  - Required Fields for 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
- 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
- Authorizations with the DCC Gateway Service
- Zero Amount Authorizations
  - Required Fields for Processing a Zero Amount 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
- Capture
  - Required Fields for Capturing an Authorization
- Forced Captures
  - Required Fields for Forced Captures
- payments-processing-basic-refund-intro
  - Required Fields for Processing a
- payments-processing-basic-credit-intro
  - Required Fields for Processing a Credit
- Voids
  - Required Fields for Processing a Void

Debit and Prepaid Card Processing
- Additional Documentation
- Processing Debit and Prepaid Authorizations
  - Required Fields for Processing Debit and Prepaid Authorizations
  - payments-debit-prepaid-auth-optional
- Enabling Debit and Prepaid Partial Authorizations
  - Required Fields for Enabling Debit and Prepaid Partial Authorizations
  - Optional Field for 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

Payer Authentication Processing
- Additional Documentation
- Providing Payer Authentication Information for Authorization
- Mastercard Identity Check
  - Required Fields for Processing an Authorization Using Mastercard Identity Check
- Visa Secure
  - Required Fields for Processing an Authorization Using Visa Secure

Processing Payments Using Credentials
- Additional Documentation
- Customer-Initiated Transactions with Credentials on File
  - Storing Customer Credentials with a CIT and PAN
    - Required Fields for Storing Customer Credentials During a CIT
  - Using 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

Visa Bill Payments Processing
- Visa Bill Payments Authorizations
  - Required Fields for Processing a Visa Bill Payment Authorization
- Visa Bill Payments Captures
  - Required Fields for Capturing a Visa Bill Payment

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Credit Cards

Cardholders use credit cards to borrow money from issuing banks to pay for goods and services offered by merchants that accept credit cards.

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