Mass Transit Payment Services Using TMS Tokens
You can request these payment services for mass transit using TMS tokens:
- Authorization for account verification and debt recovery
- Sale for aggregated fares and debt recovery
- Stand-alone credit
In the card-present EMV contactless request, include the transient token ID in the
tokenInformation.jti
field in place of track 2 data. During the tap token creation request, you can include EMV tag-length-value (TLV) tags in
the
paymentInformation.fluidData.value
field or as part of the
payment transaction request within the
pointOfSaleInformation.emv.tags
field. If you send EMV tags in the tap token create request, you should not send EMV tags
in the payment transaction request.
If EMV TLV tags are present in both the payment transaction and the token vault,
Cybersource
reads the value provided in the payment transaction in
preference to the values stored in the vault.Mastercard EMV transactions include three field values that can be handled automatically:
- paymentInformation.card.initiationChannel
- pointOfSaleInformation.emv.cardSequenceNumber
- pointOfSaleInformation.serviceCode
Your account can be configured to read these values automatically from the EMV TLV
tags and track 2 equivalent. When that option is enabled, do not include those three
fields in EMV payment requests.
If any of these values are present in both the separate fields and the EMV
TLV and track 2 equivalent,
Cybersource
reads the value provided in the
separate fields rather than the values present in the EMV TLV and track 2
equivalent.Merchant initiated card-not-present payment requests use the
paymentInformation.instrumentIdentifier.id
field instead of the
card number.Figure:
Payment Processing with a Token
Mass Transit Mastercard Authorization with a Token
Request an authorization with a token.
Endpoint
Test:
POST
https://apitest.cybersource.com
/pts/v2/paymentsProduction:
POST
https://api.cybersource.com
/pts/v2/paymentsMass Transit Visa Account Verification Request (AVR) with a Token
Request a zero amount authorization to perform a mass transit Visa account verification
request (AVR).
Endpoint
Test:
POST
https://apitest.cybersource.com
/pts/v2/paymentsProduction:
POST
https://api.cybersource.com
/pts/v2/paymentsMass Transit Visa Deferred Sale with a Token
A sale transaction is a bundled authorization and capture. At the end of the travel
period, request a Visa deferred sale with a token for an aggregated payment.
Endpoint
Test:
POST
https://apitest.cybersource.com
/pts/v2/paymentsProduction:
POST
https://api.cybersource.com
/pts/v2/paymentsMass Transit Authorizations for a Tap-Initiated Debt Recovery with a Token
When a cardholder attempts to use a blocked card at the transit reader, create a fresh
debt recovery authorization request using the chip data from the new tap, along with the
fare amount of the previous declined authorization.
Endpoint
Test:
POST
https://apitest.cybersource.com
/pts/v2/paymentsProduction:
POST
https://api.cybersource.com
/pts/v2/paymentsMass Transit Merchant-Initiated Authorizations for Debt Recovery with a Token
You can request the authorization service for a merchant-initiated debt recovery with a
token.
Endpoint
Test:
POST
https://apitest.cybersource.com
/pts/v2/paymentsProduction:
POST
https://api.cybersource.com
/pts/v2/paymentsMass Transit Tap-Initiated Sale for Debt Recovery with a Token
A sale transaction is a bundled authorization and capture. When a cardholder attempts to
use a blocked card at the transit reader, create a fresh debt recovery sale request
using the chip data from the new tap, along with the fare amount of the previous
declined authorization.
Endpoint
Test:
POST
https://apitest.cybersource.com
/pts/v2/paymentsProduction:
POST
https://api.cybersource.com
/pts/v2/paymentsMass Transit Merchant-Initiated Sale for Debt Recovery with a Token
Request a bundled authorization and capture to perform a merchant-initiated sale for debt
recovery.
Endpoint
Test:
POST
https://apitest.cybersource.com
/pts/v2/paymentsProduction:
POST
https://api.cybersource.com
/pts/v2/paymentsMass Transit Stand-Alone Credit with a Token
A stand-alone credit is a credit that is not linked to a capture. There is no time
limit for requesting a stand-alone credit.
When a request for a credit is successful, the issuing bank for the payment card takes money out of your merchant bank account and returns it to the customer. It usually takes two to four days for your acquiring bank to transfer funds from your merchant bank account.
Carefully control access to the credit service. Do not request this service directly from your customer interface. Instead, incorporate this service as part of your customer service process.
WARNING
Follow the preceding guidelines to prevent unauthorized credits.
Endpoint
Test:
POST
https://apitest.cybersource.com
/pts/v2/creditsProduction:
POST
https://api.cybersource.com
/pts/v2/credits