Stand-Alone Credit with a Token {#um-processing-credit-intro}
=============================================================

Use this information to process a stand-alone credit with a token.  
A *stand-alone credit* is a credit that is not linked to a previous transaction. When you process a stand-alone credit, there is no set limit on the amount because there is no reference to the original transaction amount. There is no time limit for requesting a stand-alone credit.
IMPORTANT Restrict access to the stand-alone credit service and do not make it available directly on your customer-facing interface. Instead, include the feature in your internal customer-service process to prevent misuse and make sure all requests are reviewed.  
When a stand-alone credit request is successful, the issuing bank for the payment card takes money out of the merchant bank account and returns it to the customer. It typically takes two to four days for the acquiring bank to transfer funds from the merchant bank account.

Endpoint {#um-processing-credit-intro_d7e169}
---------------------------------------------

**Production:** `POST ``https://api.cybersource.com``/pts/v2/credits/`{#um-processing-credit-intro_d7e178}  
**Test:** `POST ``https://apitest.cybersource.com``/pts/v2/credits/`{#um-processing-credit-intro_d7e188}

Required Fields for a Stand-Alone Credit with a Token {#um-processing-credit-tkn-reqd-fields}
=============================================================================================

[clientReferenceInformation.partner.thirdPartyCertificationNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-partner-third-party-certnum.md "")
:

[clientReferenceInformation.transactionId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-transaction-id.md "")
:

[orderInformation.amountDetails.currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-currency.md "")
:

[orderInformation.amountDetails.totalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-total-amount.md "")
:

[paymentInformation.card.expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-mo.md "")
:

[paymentInformation.card.expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-year.md "")
:

[paymentInformation.card.type](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-type-a.md "")
:

[paymentInformation.instrumentIdentifier.id](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-instrument-identifier-id.md "")
:

REST Example: Stand-Alone Credit with a Token {#um-processing-credit-tkn-vpc-ex-rest}
=====================================================================================

Request

```
{
    "clientReferenceInformation": {
        "transactionId": "43987654321",
        "partner": {
            "thirdPartyCertificationNumber": "123456789012"
        }
    },
    "paymentInformation": {
        "card": {
            "expirationMonth": "03",
            "expirationYear": "2031",
            "type": "001"
        },
        "instrumentIdentifier": {
            "id": "DCED1B858116F177E053AF598E0AA10A"
        }
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount"
: "200.00",
            "currency": "THB"
        }
    }
}
```

Response to a Successful Request

```
{
    "_links": {
        "void": {
            "method": "POST",
            "href": "/pts/v2/credits/6502828338426145304001/voids"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/credits/6502828338426145304001"
        }
    },
    "clientReferenceInformation": {
        "code": "12345678",
        "transactionId": "43987654321"
    },
    "creditAmountDetails": {
        "currency": "THB",
        "creditAmount": "200.00"
    },
    "id": "6502828338426145304001",
    "orderInformation": {
        "amountDetails": {
            "currency": "THB"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "001"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "001"
        },
        "instrumentIdentifier": {
            "id": "DCED1B858116F177E053AF598E0AA10A",
            "state": "ACTIVE"
        },
        "card": {
            "type": "001"
        }
    },
    "reconciliationId": "6502828338426145304001",
    "status": "PENDING",
    "submitTimeUtc": "2022-04-18T11:53:54Z"
}
```