API Overview

PIN Debit Processing
- Recent Revisions to This Document
- VISA Platform Connect: Specifications and Conditions for Resellers/Partners

Introduction to PIN Debit Processing
- PIN Debit Integration
- PIN Debit Transactions
- PIN Debit Network Routing
- PIN Debit Processing Versus Credit Card Processing
- PIN Debit Reconciliation
- Track Data
- Terminal IDs
- Electronic Benefit Transfer
- Optional Features
  - Cash Back
  - Merchant Descriptors
  - Merchant-Inititated Reversals
  - Partial Authorizations
  - Payment Network Tokens
  - Surcharge Fees

PIN Debit Services
- PIN Debit Purchase with Contactless EMV
  - Required Fields for a PIN Debit Purchase with Contactless EMV
  - REST Example: PIN Debit Purchase with Contactless EMV
- PIN Debit Purchase with Contact EMV
  - Required Fields for a PIN Debit Purchase with Contact EMV
  - REST Example: PIN Debit Purchase with Contact EMV
- PIN Debit Purchase with Contactless EMV and Cash Back
  - Required Fields for a PIN Debit Purchase with Contactless EMV and Cash Back
  - REST Example: PIN Debit Purchase with Contactless EMV and Cash Back
- PIN Debit Purchase with Swiped Track Data and Merchant Descriptors
  - Required Fields for a PIN Debit Purchase with Swiped Track Data and Merchant Descriptors
  - REST Example: PIN Debit Purchase with Swiped Track Data and Merchant Descriptors
- PIN Debit Partial Authorization with Swiped Track Data
  - Required Fields for a Swiped PIN Debit Partial Authorization
  - REST Example: PIN Debit Partial Authorization with Swiped Track Data
- PIN Debit Purchase with Contactless EMV and a Surcharge Fee
  - Required Fields for a PIN Debit Purchase with Contactless EMV and a Surcharge Fee
  - REST Example: PIN Debit Purchase with Contactless EMV and a Surcharge Fee
- PIN Debit Balance Inquiry with Contactless EMV
  - Required Fields for a PIN Debit Balance Inquiry with Contactless EMV
  - REST Example: PIN Debit Balance Inquiry with Contactless EMV
- PIN Debit Balance Inquiry with Swiped Track Data
  - Required Fields for a PIN Debit Balance Inquiry with Swiped Track Data
  - REST Example: PIN Debit Balance Inquiry with Swiped Track Data
- PIN Debit Credit with Swiped Track Data
  - Required Fields for a PIN Debit Credit with Swiped Track Data
  - REST Example: PIN Debit Credit with Swiped Track Data
- PIN Debit Credit with Contactless EMV
  - Required Fields for a PIN Debit Credit with Contactless EMV
  - REST Example: PIN Debit Credit with Contactless EMV
- Reverse a PIN Debit Purchase or Credit
  - Required Fields to Reverse a PIN Debit Purchase or Credit
  - REST Example: Reverse a PIN Debit Purchase or Credit
- PIN Debit EBT Purchase with a SNAP Voucher
  - Required Fields for a PIN Debit EBT Purchase with a SNAP Voucher
  - REST Example: PIN Debit EBT Purchase with a SNAP Voucher
- PIN Debit EBT Purchase with SNAP Account Swiped Track Data
  - Required Fields for a PIN Debit EBT Purchase with SNAP Account Swiped Track Data
  - REST Example: PIN Debit EBT Purchase with SNAP Account Swiped Track Data
- PIN Debit EBT Purchase with SNAP Account Swiped Track Data and Balance Inquiry
  - Required Fields for a PIN Debit EBT Purchase with SNAP Account Swiped Track Data and Balance Inquiry
  - REST Example: PIN Debit EBT Purchase with SNAP Account Swiped Track Data and Balance Inquiry
- PIN Debit EBT Purchase with a Cash Benefits Account Swiped Track Data and Cash Back
  - Required Fields for a PIN Debit EBT Purchase with a Cash Benefits Account Swiped Track Data and Cash Back
  - REST Example: PIN Debit EBT Purchase with a Cash Benefits Account Swiped Track Data and Cash Back
- Credit a PIN Debit EBT Purchase with SNAP Account
  - Required Fields to Credit a PIN Debit EBT Purchase with SNAP Account
  - REST Example: Credit a PIN Debit EBT Purchase with SNAP Account
- Reverse a PIN Debit EBT Purchase
  - Required Fields to Reverse a PIN Debit EBT Purchase
  - REST Example: Reverse a PIN Debit EBT Purchase

PIN Debit Network Routing

Listing your preferred network routing codes in your Business Center merchant account is an optional setting. To ensure that transactions are routed to networks in your priority order, Cybersource recommends including the

processingInformation.networkRoutingOrder

field in PIN debit requests. Set this field to the priority order of the routing networks for the transaction. When you include this field it overrides your merchant account setting. When you do not include this field in your request, Cybersource uses the list of network codes in your merchant account.

For Electronic Benefit Transfer (EBT) transactions, set the

processingInformation.networkRoutingOrder

field to

K

. If you do not include this field in EBT requests, your merchant account must be configured with

K

in the first priority order for network routing.

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