For an EMV contactless payment, the customer taps the card on the terminal. The terminal and chip use near-field communication (NFC) to communicate with each other. For an online PIN transaction, the customer uses a PIN to verify their identity and the issuer verifies the PIN.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments

Required Fields for Processing an Authorization with Contactless EMV and Online PIN

clientReferenceInformation.code
clientReferenceInformation.partner.thirdPartyCertificationNumber
Cybersource
 provides the value for this field.
clientReferenceInformation.transactionId
merchantInformation.transactionLocalDateTime
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
paymentInformation.card.type
pointOfSaleInformation.emv.cardSequenceNumber
pointOfSaleInformation.emv.tags
pointOfSaleInformation.encryptedKeySerialNumber
pointOfSaleInformation.encryptedPin
pointOfSaleInformation.entryMode
Set this field to
contactless
 for an EMV payment.
pointOfSaleInformation.pinBlockEncodingFormat
pointOfSaleInformation.terminalCapability
Set this field to
5
.
pointOfSaleInformation.terminalPinCapability
pointOfSaleInformation.trackData
processingInformation.commerceIndicator
Set this field to
retail
.

REST Example: Processing an Authorization with Contactless EMV and Online PIN

Endpoint:
  • Production:
    POST
    https://api.cybersource.com
    /pts/v2/payments
  • Test:
    POST
    https://apitest.cybersource.com
    /pts/v2/payments
Request
{
  "clientReferenceInformation": {
    "code": "test123",
    "transactionId": "uniqueValue3",
    "partner": {
      "thirdPartyCertificationNumber": "testTPCN"
    }
  },
  "processingInformation": {
    "commerceIndicator": "retail",
    "authorizationOptions": {
      "partialAuthIndicator": "true"
    }
  },
  "paymentInformation": {
     "card": {
        "type": "001"
       }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "9900.00",
      "currency": "USD"
    }
  },
  "pointOfSaleInformation": {
    "entryMode": "contactless",
    "terminalCapability": 4,
     "terminalPinCapability": 6,
    "emv": {
      "tags": "5F3401019F3303E0F8C8950580800480009F370465B81A3A9F100706011203A0A0009F2608E9D097D1901E8AB99F36020002820218009C01009F1A0208409A032307259F02060000000007005F2A0208409F0306000000000000DF78083831393931303236DF791B322D30323436362D312D31432D5246492D303331332D342E332E62",
      "cardSequenceNumber": "01"
    },
    "trackData": ";4761739001010143=251220111478549?",
    "pinBlockEncodingFormat":0,
    "encryptedPin": "F509429A3C3FD201",
    "encryptedKeySerialNumber": "FFFF1B1D140000200001"
  },
  	"merchantInformation": {
		"transactionLocalDateTime": "20230724085022"
	}
}
Response to a Successful Request
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6938904668436727104951/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6938904668436727104951"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6938904668436727104951/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "test123",
    "transactionId": "uniqueValue3"
  },
  "id": "6938904668436727104951",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "9900.00",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "accountFeatures": {
      "category": "A",
      "group": "0"
    },
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "emv": {
      "tags": "9F36020015910AB58D60185BEF0247303072179F180430303031860E04DA9F580903B1BAEDFD1438BA48"
    }
  },
  "processorInformation": {
    "systemTraceAuditNumber": "188851",
    "approvalCode": "831000",
    "networkTransactionId": "016153570198200",
    "retrievalReferenceNumber": "324705188851",
    "transactionId": "016153570198200",
    "responseCode": "00",
    "avs": {
      "code": "2"
    }
  },
  "reconciliationId": "6938904668436727104951",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-09-05T05:07:47Z"
}