PIN Debit Processing

This section describes how to use this guide and where to find further information.

Audience and Purpose: This guide is written for application developers who want to use the Cybersource API to integrate PIN debit processing into their order management system.
Conventions: The following special statement is used in this document:
IMPORTANT

An Important
statement contains information essential to successfully completing a task or learning a concept.
Related Documentation: Visit the Cybersource documentation hub to find additional technical documentation.
Customer Support: For support information about any service, visit the Support Center:

http://support.visaacceptance.com

Recent Revisions to This Document

24.02

This revision contains only editorial changes and no technical updates.

24.01

: Added PIN Debit Purchase with Contact EMV.; Added balance inquiry use cases in these sections:
PIN Debit Balance Inquiry with Contactless EMV
PIN Debit Balance Inquiry with Swiped Track Data
PIN Debit EBT Purchase with SNAP Account Swiped Track Data and Balance Inquiry; Added the
paymentInformation.card.sourceAccountType
and
paymentInformation.card.useAs
fields to all PIN Debit use cases. See PIN Debit Services.

23.01

The guide has undergone a major reorganization and the addition of all new processing use cases.

PIN Debit Processing

VISA Platform Connect: Specifications and Conditions for Resellers/Partners

The following are specifications and conditions that apply to a Reseller/Partner enabling its merchants through

Cybersource for Visa Platform Connect (“VPC”) processing

. Failure to meet any of the specifications and conditions below is subject to the liability provisions and indemnification obligations under Reseller/Partner’s contract with Visa/Cybersource.

Before boarding merchants for payment processing on a VPC acquirer’s connection, Reseller/Partner and the VPC acquirer must have a contract or other legal agreement that permits Reseller/Partner to enable its merchants to process payments with the acquirer through the dedicated VPC connection and/or traditional connection with such VPC acquirer.

Reseller/Partner is responsible for boarding and enabling its merchants in accordance with the terms of the contract or other legal agreement with the relevant VPC acquirer.

Reseller/Partner acknowledges and agrees that all considerations and fees associated with chargebacks, interchange downgrades, settlement issues, funding delays, and other processing related activities are strictly between Reseller and the relevant VPC acquirer.

Reseller/Partner acknowledges and agrees that the relevant VPC acquirer is responsible for payment processing issues, including but not limited to, transaction declines by network/issuer, decline rates, and interchange qualification, as may be agreed to or outlined in the contract or other legal agreement between Reseller/Partner and such VPC acquirer.

DISCLAIMER: NEITHER VISA NOR CYBERSOURCE WILL BE RESPONSIBLE OR LIABLE FOR ANY ERRORS OR OMISSIONS BY THE VISA PLATFORM CONNECT ACQUIRER IN PROCESSING TRANSACTIONS. NEITHER VISA NOR CYBERSOURCE WILL BE RESPONSIBLE OR LIABLE FOR RESELLER/PARTNER BOARDING MERCHANTS OR ENABLING MERCHANT PROCESSING IN VIOLATION OF THE TERMS AND CONDITIONS IMPOSED BY THE RELEVANT VISA PLATFORM CONNECT ACQUIRER.

PIN Debit Processing