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Merchant-Initiated Sale for Visa Debt Recovery with Stored Card Data

Use this information to process a merchant-initiated sale for debt recovery using stored card data.

Endpoint

Production:

POST https://api.cybersource.com/pts/v2/payments

Test:

POST https://apitest.cybersource.com/pts/v2/payments

Required Fields for a Merchant-Initiated Sale for Visa Debt Recovery with Stored Card Data

clientReferenceInformation.code
clientReferenceInformation.comments: Set this field to
TransitDA Debt recovery MIT sale
.
clientReferenceInformation.partner.solutionId: Cybersource provides the value for this field.
clientReferenceInformation.partner.thirdPartyCertificationNumber: Cybersource provides the value for this field.
clientReferenceInformation.transactionId
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
paymentInformation.card.expirationMonth
paymentInformation.card.expirationYear
paymentInformation.card.number
paymentInformation.card.type
processingInformation.authorizationOptions.debtRecoveryIndicator: Set this field to
true
.
processingInformation.authorizationOptions.ignoreAvsResult: Set this field to
true
.
processingInformation.authorizationOptions.ignoreCvResult: Set this field to
true
.
processingInformation.authorizationOptions.initiator.credentialStoredOnFile: Set this field to
false
.
processingInformation.authorizationOptions.initiator.merchantInitiatedTransaction. previousTransactionId
processingInformation.authorizationOptions.initiator.merchantInitiatedTransaction.reason: Set this field to
1
.
processingInformation.authorizationOptions.initiator.storedCredentialUsed: Set this field to
true
.
processingInformation.authorizationOptions.initiator.type: Set this field to
merchant
.
processingInformation.capture: Set this field to
true
.
processingInformation.commerceIndicator: Set this field to
moto
.
processingInformation.industryDataType: Set this field to
transit
.

REST Example: Merchant-Initiated Sale for Visa Debt Recovery with Stored Card Data

Request

{
  "clientReferenceInformation": {
    "comments": "TransitDA Debt recovery MIT sale",
    "code": "11111111",
    "transactionId": "11111113",
    "partner": {
      "thirdPartyCertificationNumber": "ABC1234",
      "solutionId": "ABC1234"
    }
  },
  "merchantInformation": {
    "transactionLocalDateTime": "20260529101200"
  },
  "processingInformation": {
    "capture": "true",
    "commerceIndicator": "moto",
    "industryDataType": "transit",
    "authorizationOptions": {
      "debtRecoveryIndicator": "true",
      "ignoreAvsResult": "true",
      "ignoreCvResult": "true",
      "initiator": {
        "type": "merchant",
        "credentialStoredOnFile": "false",
        "storedCredentialUsed": "true",
        "merchantInitiatedTransaction": {
          "reason": "1",
          "previousTransactionId": "016153570198200"
        }
      }
    }
  },
  "paymentInformation": {
    "card": {
      "number": "4111111111111111",
      "expirationMonth": "12",
      "expirationYear": "2049",
      "type": "001"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "3.00",
      "currency": "USD"
    }
  }
}

Response to a Successful Request

{
  "_links": {
    "void": {
      "method": "POST",
      "href": "/pts/v2/payments/7800495209556343503814/voids"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7800495209556343503814"
    }
  },
  "clientReferenceInformation": {
    "code": "11111111",
    "comments": "TransitDA Debt recovery MIT sale",
    "partner": {
      "solutionId": "ABC1234"
    },
    "transactionId": "6194022212"
  },
  "id": "7800495209556343503814",
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "3.00",
      "authorizedAmount": "3.00",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "processorInformation": {
    "systemTraceAuditNumber": "148603",
    "merchantNumber": "123456789012345",
    "approvalCode": "291735",
    "merchantAdvice": {
      "code": "01",
      "codeRaw": "M001"
    },
    "responseDetails": "ABC",
    "networkTransactionId": "016153570198200",
    "retrievalReferenceNumber": "614910148603",
    "transactionId": "016153570198200",
    "responseCode": "00",
    "avs": {
      "code": "1"
    }
  },
  "reconciliationId": "7800495209556343503814",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2026-05-29T10:12:01Z"
}