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

REST Example: PIN Debit Balance Inquiry with Swiped Track Data

Request

{
  "clientReferenceInformation": {
    "code": "ABC123",
    "partner": {
      "thirdPartyCertificationNumber": "PTP1234"
    }
  },
  "processingInformation": {
    "commerceIndicator": "retail",
    "authorizationOptions": {
      "balanceInquiry": "true"
    }
  },
  "merchantInformation": {
    "transactionLocalDateTime": "20200323103021"
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "0.00",
      "currency": "USD"
    }
  },
  "paymentInformation": {
    "paymentType": {
      "name": "CARD",
      "subTypeName": "DEBIT"
    },
    "card": {
      "useAs": "",
      "sourceAccountType": "UA"
    }
  },
  "pointOfSaleInformation": {
    "entryMode": "swiped",
    "terminalCapability": 4,
    "pinBlockEncodingFormat": 1,
    "encryptedPin": "52F20658C04DB351",
    "encryptedKeySerialNumber": "FFFF1B1D140000000005",
    "trackData": "%B4111111111111111^JONES/JONES ^3112101976110000868000000?;4111111111111111=33121019761186800000?"
  }
}

Response to a Successful Request

{
  "_links": {
    "void": {
      "method": "POST",
      "href": "/pts/v2/payments/6879489725216492803092/voids"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6879489725216492803092"
    }
  },
  "clientReferenceInformation": {
    "code": "987654321" 
  },
  "id": "6879489725216492803092",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "0.00",
      "currency": "usd"
    }
  },
  "paymentInformation": {
    "accountFeatures": {
      "balances": [
        {
          "amountType": "02",
          "amount": "+20.00",
          "accountType": "00",
          "currency": "usd"
        }
      ]
    }
  }
},
  "processingInformation": {
    "reconciliationId": "6879489725216492803092"
  },
  "processorInformation": {
    "systemTraceAuditNumber": "837760",
    "routing": {
      "network": "0000"
    },
    "approvalCode": "831000",
    "retrievalReferenceNumber": "123456837760",
    "transactionId": "016153570198200",
    "responseCode": "00"
  },
  "reconciliationId": "6879489725216492803092",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-06-28T10:42:52Z"
}

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