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Authorization Service

You can authorize a payment for Samsung Pay using two different types of decryption methods:
Cybersource
 or Merchant. Each decryption method requires a different set of required API fields. In addition, depending on which card type is used, different fields are required for requesting the authorization service.
Processor-Specific Information About Authorizations and Captures
Payment Processor
Authorization and Capture Information
Visa Platform Connect
Visa Platform Connect
 limits authorization and capture amounts to 999999999999 (twelve 9s).

Required Fields for Authorizing a Payment Using American Express and the
Cybersource
 Decryption Method

The following fields are required when submitting an authorization request using the
Cybersource
 decryption method:
  • ccAuthService_commerceIndicator
    -set this field to
    aesk
    .
  • encryptedPayment_data
    • Set the field to the value that was returned from Samsung Pay in the
      3ds.data
       block as follows:
      • Retrieve the payment data from Samsung Pay in JSON Web Encryption (JWE) format.
      • Encode it in Base64.
      • Add the value to the
        encryptedPayment_data
         field.
  • encryptedPayment_descriptor
    -set this field to
    RklEPUNPTU1PTi5TQU1TVU5HLklOQVBQLlBBWU1FTlQ=
    .
  • paymentNetworkToken_transactionType
    -set this field to
    1
    .
  • paymentSolution
    -set this field to
    008
    .

Authorizing a Payment

  1. Request the service. Set the
    ccAuthService_run
     field to
    true
    , and send the request to one of these endpoints:
  2. Include the required fields in the request.
  3. Include optional fields in the request as needed.
  4. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

Example:
Cybersource
 Decryption with American Express Using the Simple Order API

Authorization Request 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>James</firstName>
        <lastName>Smith</lastName>
        <street1>1295 Charleston Road</street1>
        <city>Test City</city>
        <state>CA</state>
        <postalCode>99999</postalCode>
        <country>US</country>
        <email>demo@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <ccAuthService run="true">
        <commerceIndicator>aesk</commerceIndicator>
    </ccAuthService>
    <encryptedPayment>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <descriptor>RklEPUNPTU1PTi5TQU1TVU5HLklOQVBQLlBBWU1FTlQ=</descriptor>
    </encryptedPayment>
    <paymentSolution>008</paymentSolution>
    <paymentNetworkToken>
        <transactionType>1</transactionType>
    </paymentNetworkToken>
</requestMessage>
Authorization Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>V</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
    <c:token>
        <c:prefix>593056</c:prefix>
        <c:suffix>0842</c:suffix>
        <c:expirationMonth>08</c:expirationMonth>
        <c:expirationYear>2021</c:expirationYear>
    </c:token>
</c:replyMessage>

Required Fields for Authorizing a Payment Using American Express and the Merchant Decryption Method

The following fields are required when submitting an authorization request using the Merchant decryption method:
  • ccAuthService_cavv
    -set this field to the 3-D Secure cryptogram of the payment network token.
    Include the whole 20-byte cryptogram in the cavv field. For a 40-byte cryptogram, split the cryptogram into two 20-byte binary values (block A and block B). Set the cavv field to the block A value and set the xid field to the block B value.
  • card_accountNumber
    -set this field to the payment network token value.
  • card_expirationMonth
    -set this field to the payment network token expiration month value.
  • card_expirationYear
    -set this field to the payment network token expiration year value.
  • ccAuthService_commerceIndicator
    -set this field to
    aesk
    .
  • ccAuthService_networkTokenCryptogram
    -set this field to the network token cryptogram.
  • paymentNetworkToken_transactionType
    -set this field to
    1
    .
  • paymentSolution
    -set this field to
    008
    .

Example: Merchant Decryption with American Express Using the Simple Order API

Authorization Request 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>James</firstName>
        <lastName>Smith</lastName>
        <street1>1295 Charleston Road</street1>
        <city>Test City</city>
        <state>CA</state>
        <postalCode>99999</postalCode>
        <country>US</country>
        <email>demo@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>xxxx8224631xxxx</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
    </card>
    <ccAuthService run="true">
        <cavv>ABCDEFabcdefABCDEFabcdef0987654321234567</cavv>
        <commerceIndicator>aesk</commerceIndicator>
        <xid>1234567890987654321ABCDEFabcdefABCDEF123</xid>
    </ccAuthService>
    <paymentNetworkToken>
        <transactionType>1</transactionType>
    </paymentNetworkToken>
    <paymentSolution>008</paymentSolution>
</requestMessage>
Authorization Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>V</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Authorizing a Payment with JCB Using
Cybersource
 Decryption Method

Required Fields for Authorizing a Payment Using JCB and the
Cybersource
 Decryption Method

The following fields are required when submitting an authorization request using the
Cybersource
 decryption method:
  • encryptedPayment_data
    -set this field to the Base64-encoded value obtained from the
    paymentData
     property of the
    PKPaymentToken
     object.
  • encryptedPayment_descriptor
    -set this field to
    RklEPUNPTU1PTi5TQU1TVU5HLklOQVBQLlBBWU1FTlQ=
    .
  • paymentSolution
    -set this field to
    008
    .

Authorizing a Payment

  1. Request the service. Set the
    ccAuthService_run
     field to
    true
    , and send the request to one of these endpoints:
  2. Include the required fields in the request.
  3. Include optional fields in the request as needed.
  4. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

Example:
Cybersource
 Decryption with JCB Using the Simple Order API

Authorization Request 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <encryptedPayment>
        <descriptor>RklEPUNPTU1PTi5TQU1TVU5HLklOQVBQLlBBWU1FTlQ=</descriptor>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <encoding>Base64</encoding>
    </encryptedPayment>
    <card>
        <cardType>007</cardType>
    </card>
    <ccAuthService run="true"/>
        <paymentSolution>008</paymentSolution>
</requestMessage>
Authorization Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:token>
        <c:expirationMonth>07</c:expirationMonth>
        <c:expirationYear>2025</c:expirationYear>
        <c:prefix>239845</c:prefix>
        <c:suffix>2947</c:suffix>
    </c:token>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Required Fields for Authorizing a Payment Using Mastercard and the
Cybersource
 Decryption Method

The following fields are required when submitting an authorization request using the
Cybersource
 decryption method:
  • ccAuthService_commerceIndicator
    -set this field to
    spa
    .
  • encryptedPayment_data
    • Set the field to the value that was returned from Samsung Pay in the
      3ds.data
       block as follows:
      • Retrieve the payment data from Samsung Pay in JSON Web Encryption (JWE) format.
      • Encode it in Base64.
      • Add the value to the
        encryptedPayment_data
         field.
  • encryptedPayment_descriptor
    -set this field to
    RklEPUNPTU1PTi5TQU1TVU5HLklOQVBQLlBBWU1FTlQ=
    .
  • paymentNetworkToken_transactionType
    -set this field to
    1
    .
  • paymentSolution
    -set this field to
    008
    .

Example:
Cybersource
 Decryption with Mastercard Using the Simple Order API

Authorization Request 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>James</firstName>
        <lastName>Smith</lastName>
        <street1>1295 Charleston Road</street1>
        <city>Test City</city>
        <state>CA</state>
        <postalCode>99999</postalCode>
        <country>US</country>
        <email>demo@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <ccAuthService run="true">
        <commerceIndicator>spa</commerceIndicator>
    </ccAuthService>
    <encryptedPayment>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <descriptor>RklEPUNPTU1PTi5TQU1TVU5HLklOQVBQLlBBWU1FTlQ=</descriptor>
    </encryptedPayment>
    <paymentSolution>008</paymentSolution>
    <paymentNetworkToken>
        <transactionType>1</transactionType>
    </paymentNetworkToken>
</requestMessage>
Authorization Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
    <c:token>
        <c:prefix>128945</c:prefix>
        <c:suffix>2398</c:suffix>
        <c:expirationMonth>08</c:expirationMonth>
        <c:expirationYear>2021</c:expirationYear>
    </c:token>
</c:replyMessage>

Required Fields for Authorizing a Payment Using Visa and the
Cybersource
 Decryption Method

The following fields are required when submitting an authorization request using the
Cybersource
 decryption method:
  • ccAuthService_commerceIndicator
    -set this field to
    internet
    .
  • encryptedPayment_data
    • Set the field to the value that was returned from Samsung Pay in the
      3ds.data
       block as follows:
      • Retrieve the payment data from Samsung Pay in JSON Web Encryption (JWE) format.
      • Encode it in Base64.
      • Add the value to the
        encryptedPayment_data
         field.
  • encryptedPayment_descriptor
    -set this field to
    RklEPUNPTU1PTi5TQU1TVU5HLklOQVBQLlBBWU1FTlQ=
    .
  • paymentNetworkToken_transactionType
    -set this field to
    1
    .
  • paymentSolution
    -set this field to
    008
    .

Example:
Cybersource
 Decryption with Visa Using the Simple Order API

Authorization Request 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>James</firstName>
        <lastName>Smith</lastName>
        <street1>1295 Charleston Road</street1>
        <city>Test City</city>
        <state>CA</state>
        <postalCode>99999</postalCode>
        <country>US</country>
        <email>demo@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <ccAuthService run="true">
        <commerceIndicator>internet</commerceIndicator>
    </ccAuthService>
    <encryptedPayment>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <descriptor>RklEPUNPTU1PTi5TQU1TVU5HLklOQVBQLlBBWU1FTlQ=</descriptor>
    </encryptedPayment>
    <paymentSolution>008</paymentSolution>
    <paymentNetworkToken>
        <transactionType>1</transactionType>
    </paymentNetworkToken>
</requestMessage>
Authorization Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
    <c:token>
        <c:prefix>294672</c:prefix>
        <c:suffix>4397</c:suffix>
        <c:expirationMonth>08</c:expirationMonth>
        <c:expirationYear>2021</c:expirationYear>
    </c:token>
</c:replyMessage>

Authorizing a Payment with JCB Using Merchant Decryption Method

Required Fields for Authorizing a Payment Using JCB and the Merchant Decryption Method

The following fields are required when submitting an authorization request using the Merchant decryption method:
  • ccAuthService_cavv
    -set this field to the 3-D Secure cryptogram of the payment network token.
  • card_accountNumber
    -set this field to the payment network token value.
  • card_expirationMonth
    -set this field to the payment network token expiration month value.
  • card_expirationYear
    -set this field to the payment network token expiration year value.
  • ccAuthService_eciRaw
    -set this field to the ECI value contained in the Samsung Pay reply message.
  • ccAuthService_networkTokenCryptogram
    -set this field to the network token cryptogram.
  • paymentNetworkToken_transactionType
    -set this field to
    1
    .
  • paymentSolution
    -set this field to
    008
    .

Example: Merchant Decryption with JCB Using the Simple Order API

Authorization Request 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>Jane</firstName>
        <lastName>Smith</lastName>
        <street1>123 Main Street</street1>
        <city>Small Town</city>
        <state>CA</state>
        <postalCode>98765</postalCode>
        <country>US</country>
        <email>jsmith@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>xxxx11111111xxxx</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
        <cvNumber>123</cvNumber>
        <cardType>007</cardType>
    </card>
    <ccAuthService run="true">
        <cavv>ABCDEFabcdefABCDEFabcdef0987654321234567</cavv>
        <eciRaw>5</eciRaw>
    </ccAuthService>
    <paymentNetworkToken>
        <transactionType>1</transactionType>
    </paymentNetworkToken>
    <paymentSolution>008</paymentSolution>
</requestMessage>
Authorization Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>
NVP Request 
merchantID=demomerchant
merchantReferenceCode=demorefnum
billTo_firstName=Jane
billTo_lastName=Smith
billTo_street1=123 Main Street
billTo_city=Small Town
billTo_state=CA
billTo_postalCode=98765
billTo_country=US
billTo_email=jsmith@example.com
purchaseTotals_currency=USD
purchastTotals_grandTotalAmount=5.00
card_accountNumber=xxxx00202036xxxx
card_expirationYear=2020
card_cvnNumber=123
cardType=007
ccAuthService_cavv=ABCDEFabcdefABCDEFabcdef0987654321234567
ccAuthService_eciRaw=5

paymentNetworkToken_requestorID=987654321plokijuhygtfrdeswa 

paymentNetworkToken_transactionType=1
paymentSolution=008
NVP Response 
merchantReferenceCode=demorefnum
requestID=4465840340765000001541
decision=accept
reasonCode=100
requestToken=Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u
purchaseTotals_currency=USD
ccAuthReply_reasonCode=100
ccAuthReply_amount=5.00
ccAuthReply_authorizationCode=888888
ccAuthReply_avsCode=X
ccAuthReply_avsCodeRaw=I1
ccAuthReply_authorizedDateTime=2015-11-03T20:53:54Z
ccAuthReply_processorResponse=100
ccAuthReply_reconciliationID=11267051CGJSMQDC

Required Fields for Authorizing a Payment Using Mastercard and the Merchant Decryption Method

The following fields are required when submitting an authorization request using the Merchant decryption method:
  • card_accountNumber
    -set this field to the payment network token value.
  • card_expirationMonth
    -set this field to the payment network token expiration month value.
  • card_expirationYear
    -set this field to the payment network token expiration year value.
  • ccAuthService_commerceIndicator
    - set this field to
    spa
    .
  • ccAuthService_networkTokenCryptogram
    -set this field to the network token cryptogram.
  • paymentNetworkToken_transactionType
    -set this field to
    1
    .
  • paymentSolution
    -set this field to
    008
    .
  • ucaf_authenticationData
    –set this field to the 3-D Secure cryptogram of the payment network token.
  • ucaf_collectionIndicator
    -set this field to
    2
    .

Example: Merchant Decryption with Mastercard Using the Simple Order API

Authorization Request 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>James</firstName>
        <lastName>Smith</lastName>
        <street1>1295 Charleston Road</street1>
        <city>Test City</city>
        <state>CA</state>
        <postalCode>99999</postalCode>
        <country>US</country>
        <email>demo@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>xxxx55555555xxxx</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
    </card>
    <ucaf>
        <authenticationData>ABCDEFabcdefABCDscdef0987654321234567</authenticationData>
        <collectionIndicator>2</collectionIndicator>
    </ucaf>
    <ccAuthService run="true">
        <commerceIndicator>spa</commerceIndicator>
    </ccAuthService>
    <paymentNetworkToken>
        <transactionType>1</transactionType>
    </paymentNetworkToken>
    <paymentSolution>008</paymentSolution>
</requestMessage>
Authorization Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Authorizing a Payment with Visa Using Merchant Decryption Method

Required Fields for Authorizing a Payment Using Visa and the Merchant Decryption Method

The following fields are required when submitting an authorization request using the Merchant decryption method:
  • ccAuthService_cavv
    -set this field to the 3-D Secure cryptogram of the payment network token.
  • card_accountNumber
    -set this field to the payment network token value.
  • card_expirationMonth
    -set this field to the payment network token expiration month value.
  • card_expirationYear
    -set this field to the payment network token expiration year value.
  • ccAuthService_eciRaw
    -for JCB transactions, set this field to the ECI value contained in the Samsung Pay reply message.
  • ccAuthService_commerceIndicator
    -set this field to
    internet
    .
  • ccAuthService_networkTokenCryptogram
    -set this field to the network token cryptogram.
  • paymentNetworkToken_transactionType
    -set this field to
    1
    .
  • paymentSolution
    -set this field to
    008
    .

Example: Merchant Decryption with Visa Using the Simple Order API

Authorization Request 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>James</firstName>
        <lastName>Smith</lastName>
        <street1>1295 Charleston Road</street1>
        <city>Test City</city>
        <state>CA</state>
        <postalCode>99999</postalCode>
        <country>US</country>
        <email>demo@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <card>
        <accountNumber>xxxx10000000xxxx</accountNumber>
        <expirationMonth>12</expirationMonth>
        <expirationYear>2020</expirationYear>
    </card>
    <ccAuthService run="true">
        <cavv>ABCDEFabcdefABCDEFabcdef0987654321234567</cavv>
        <commerceIndicator>internet</commerceIndicator>
    </ccAuthService>
    <paymentNetworkToken>
        <transactionType>1</transactionType>
    </paymentNetworkToken>
    <paymentSolution>008</paymentSolution>
</requestMessage>
Authorization Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
</c:replyMessage>

Authorization Reversal Service

The authorization reversal service is a follow-on service that uses the request ID returned from the previous authorization. An authorization reversal releases the hold that the authorization placed on the customer’s credit card funds. Use this service to reverse an unnecessary or undesired authorization.
Processor-Specific Information About Authorization Reversals
Payment Processor
Authorization Reversal Information
Visa Platform Connect
Card types supported for full authorization reversals: American Express, China UnionPay, Diners Club, Discover, JCB, mada, Mastercard, Visa.

NVP Example: Basic Credit Card Authorization Reversal Using the Simple Order API

Authorization Reversal Request
ccAuthReversalService_authRequestID=6152173358406291304007
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=99.49
ccAuthReversalService_run=true
merchantID=retail_910
merchantReferenceCode=MS299131501003
paymentSolution=008
Authorization Reversal Response
merchantReferenceCode=MS299131501003
requestID=1019827520348290570293
purchaseTotals_currency=USD
ccAuthReversalReply_amount=99.49
ccAuthReversalReply_authorizationCode=1

Required Fields for Reversing an Authorization

The following fields are required when creating an authorization reversal request:
ccAuthReversalService_authRequestID
Set to the request ID that was included in the authorization reply message.
ccAuthReversalService_run
Set to
true
.
merchantID
merchantReferenceCode
paymentSolution
Set to
008
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Reversing an Authorization

  1. Request the service. Set the
    ccAuthReversalService_run
     field to
    true
    , and send the request to one of these endpoints:
    • https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
    • https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
  2. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

XML Example: Basic Credit Card Authorization Reversal Using the Simple Order API

Authorization Reversal Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>retail_910</merchantID>
    <merchantReferenceCode>MS299131501003</merchantReferenceCode>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>99.49</grandTotalAmount>
    </purchaseTotals>
    <ccAuthReversalService run="true">
        <authRequestID>6152173358406291304007</authRequestID>
    </ccAuthReversalService>
    <paymentSolution>008</paymentSolution>
</requestMessage>
Authorization Reversal Response
<c:replyMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <c:merchantReferenceCode>MS299131501003</c:merchantReferenceCode>
    <c:requestID>1019827520348290570293</c:requestID>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReversalReply>
        <c:amount>99.49</c:amount>
        <c:authorizationCode>1</c:authorizationCode>
    </c:ccAuthReversalReply>
</c:replyMessage>

Capture Service

The capture service is a follow-on service that uses the request ID returned from the previous authorization. The request ID links the capture to the authorization. This service transfers funds from the customer’s account to your bank and usually takes two to four days to complete.
Processor-Specific Information About Authorizations and Captures
Payment Processor
Authorization and Capture Information
Visa Platform Connect
Visa Platform Connect
 limits authorization and capture amounts to 999999999999 (twelve 9s).

NVP Example: Basic Credit Card Capture Using the Simple Order API

Capture Request
ccCaptureService_authRequestID=0305782650000167905080
merchantID=Napa Valley Vacations
merchantRefrenceCode=482046C3A7E94F5BD1FE3C66C
ccCaptureService_run=true
item_0_unitPrice=amount:49.95
purchaseTotals_currency=USD
paymentSolution=008
Capture Response
requestID=1019827520348290570293
merchantReferenceCode=482046C3A7E94F5BD1FE3C66C
decision=ACCEPT
reasonCode=100
purchaseTotals_currency=USD
ccCaptureReply_amount=49.95
ccCaptureReply_reasonCode=100
ccCaptureReply_reconciliationID=02850840187309570

Required Fields for Capturing a Payment

The following fields are required when creating a capture request:
ccCaptureService_authRequestID
Set to the request ID that was included in the authorization reply message. Optional when
ccAuthService
 and
ccCaptureService
 are in the same request.
ccCaptureService_run
Set to
true
.
merchantID
merchantReferenceCode
paymentSolution
Set to
008
.
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Either
purchaseTotals_grandTotalAmount
 or
item_#_unitPrice
 must be included in the request.

Capturing a Payment

  1. Request the service. Set the
    ics_applications
     field to
    ics_bill
    , and send the request to one of these endpoints:
    • https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
    • https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
  2. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

XML Example: Basic Credit Card Capture Using the Simple Order API

Capture Request
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.37">
    <merchantID>Napa Valley Vacations</merchantID>
    <merchantReferenceCode>482046C3A7E94F5BD1FE3C66C</merchantReferenceCode>
    <item id="0">
        <unitPrice>49.95</unitPrice>
        <quantity>1</quantity>
    </item>
    <purchaseTotals>
        <currency>USD</currency>
    </purchaseTotals>
    <ccCaptureService run="true">
        <authRequestID>0305782650000167905080</authRequestID>
    </ccCaptureService>
    <paymentSolution>008</paymentSolution>
</requestMessage>
Capture Response
<c:replyMessage xmlns:c="urn:schemas-cybersource-com:transaction-data-1.37">
    <c:merchantReferenceCode>482046C3A7E94F5BD1FE3C66C</c:merchantReferenceCode>
    <c:requestID>1019827520348290570293</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccCaptureReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>49.95</c:amount>
        <c:reconciliationID>1094820975023470</c:reconciliationID>
    </c:ccCaptureReply>
</c:replyMessage>

Sale Service

A sale is a bundled authorization and capture. Request the authorization and capture services at the same time.
Cybersource
 processes the capture immediately.

NVP Example: Basic Credit Card Sale Using the Simple Order API

Authorization and Capture (Sale) Request 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>James</firstName>
        <lastName>Smith</lastName>
        <street1>1295 Charleston Road</street1>
        <city>Test City</city>
        <state>CA</state>
        <postalCode>99999</postalCode>
        <country>US</country>
        <email>demo@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <ccCaptureService run="true">
        <commerceIndicator>aesk</commerceIndicator>
    </ccCaptureService>
    <encryptedPayment>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <descriptor>RklEPUNPTU1PTi5TQU1TVU5HLklOQVBQLlBBWU1FTlQ=</descriptor>
    </encryptedPayment>
    <paymentSolution>008</paymentSolution>
    <paymentNetworkToken>
        <transactionType>1</transactionType>
    </paymentNetworkToken>
</requestMessage>
Authorization and Capture (Sale) Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>V</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
    <c:ccCaptureReply>
        <c:reconciliationID>02850840187309570</c:reconciliationID>
        <c:amount>100.00</c:amount>
    </c:ccCaptureReply>
    <c:token>
        <c:prefix>593056</c:prefix>
        <c:suffix>0842</c:suffix>
        <c:expirationMonth>08</c:expirationMonth>
        <c:expirationYear>2021</c:expirationYear>
    </c:token>
</c:replyMessage>

Required Fields for Performing a Sale

The following fields are required when submitting a sale request:
ccCaptureService_run
Set this field to
true
.
Fields required for requesting the authorization service
Use the same values that are set for requesting the Authorization Service.

Authorizing and Capturing a Payment

You can authorize and capture a payment at the same time, which is known as performing a sale.
  1. Request the service. Set the
    ics_applications
     field to
    ics_auth,ics_bill
    , and send the request to one of these internet endpoints:
    • https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
    • https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
  2. Check the response message to make sure that the request was successful. A value of
    ACCEPT
     for the
    decision
     field indicates success. For information about reason codes, see Reason Codes for the Simple Order API.

XML Example: Basic Credit Card Sale Using the Simple Order API

Authorization and Capture (Sale) Request 
<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121">
    <merchantID>demomerchant</merchantID>
    <merchantReferenceCode>demorefnum</merchantReferenceCode>
    <billTo>
        <firstName>James</firstName>
        <lastName>Smith</lastName>
        <street1>1295 Charleston Road</street1>
        <city>Test City</city>
        <state>CA</state>
        <postalCode>99999</postalCode>
        <country>US</country>
        <email>demo@example.com</email>
    </billTo>
    <purchaseTotals>
        <currency>USD</currency>
        <grandTotalAmount>5.00</grandTotalAmount>
    </purchaseTotals>
    <ccCaptureService run="true">
        <commerceIndicator>aesk</commerceIndicator>
    </ccCaptureService>
    <encryptedPayment>
        <data>ABCDEFabcdefABCDEFabcdef0987654321234567</data>
        <descriptor>RklEPUNPTU1PTi5TQU1TVU5HLklOQVBQLlBBWU1FTlQ=</descriptor>
    </encryptedPayment>
    <paymentSolution>008</paymentSolution>
    <paymentNetworkToken>
        <transactionType>1</transactionType>
    </paymentNetworkToken>
</requestMessage>
Authorization and Capture (Sale) Response 
<c:replyMessage>
    <c:merchantReferenceCode>demorefnum</c:merchantReferenceCode>
    <c:requestID>4465840340765000001541</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>5.00</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>V</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2015-11-03T20:53:54Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>11267051CGJSMQDC</c:reconciliationID>
    </c:ccAuthReply>
    <c:ccCaptureReply>
        <c:reconciliationID>02850840187309570</c:reconciliationID>
        <c:amount>100.00</c:amount>
    </c:ccCaptureReply>
    <c:token>
        <c:prefix>593056</c:prefix>
        <c:suffix>0842</c:suffix>
        <c:expirationMonth>08</c:expirationMonth>
        <c:expirationYear>2021</c:expirationYear>
    </c:token>
</c:replyMessage>