This feature enables a customer in a card-present situation to add a cash-back amount to the total transaction amount when using a debit card. The customer receives that amount in cash along with the purchase. For example, a customer purchasing products totaling 18.99 might ask for 20.00 cash back. They would pay a total of 38.99 (18.99 + 20.00) with their debit card and receive 20.00 in cash along with their products.

To use this feature, include the

orderInformation.amountDetails.cashbackAmount

field in a PIN debit purchase request.

When the cash-back amount is 0.00, do not include the

orderInformation.amountDetails.cashbackAmount

field.

This feature enables you to submit merchant descriptor values that are displayed on a cardholder's statement.

Cybersource

always provides merchant descriptor information to the acquirer for all of your PIN debit purchase and PIN debit credit transactions. When you do not include a particular merchant descriptor in your PIN debit purchase or PIN debit credit request,

Cybersource

uses the corresponding value from your merchant account.

When you do not receive a response message after sending a PIN debit purchase or credit request, your request might have timed out. This feature enables you to reverse a timed-out transaction within 2 hours of the original request.

When using the merchant-initiated reversals feature, include the

clientReferenceInformation.transactionId

field in your original request for a PIN debit purchase. The value of the transaction ID must be unique for 60 days. It links your reversal request to your original request.

For PIN debit cards, the issuing bank can approve a partial amount if the balance on the card is less than the requested authorization amount.

Support for your processor and card type does not guarantee a partial authorization. The issuing bank decides whether or not to approve a partial amount. When the balance on a debit card or prepaid card is less than the requested authorization amount, the issuing bank can approve a partial amount. When this happens, you can accept multiple forms of payment for the order starting with some or all of the approved amount, followed by one or more different payment methods.

You must opt in to be able to receive and capture partial authorizations. Choose one of these options:

When your account is enabled for partial authorizations, you can disable partial authorization for a specific transaction by setting the

processingInformation.authorizationOptions.partialAuthIndicator

field to

false

in the PIN debit purchase request.

Payment network tokens are supported as card-present contactless transactions.

This feature enables you to charge the customer a surcharge fee for a PIN debit purchase or credit transaction.

Include the surcharge amount in the total transaction amount, and set the

orderInformation.amountDetails.surcharge.amount

field to the surcharge amount. This information is passed to the issuer and acquirer for tracking. The issuer can provide information about the surcharge amount to the customer.

When there is no surcharge fee, do not include the

orderInformation.amountDetails.surcharge.amount

field in the request.