Credit Card Services Simple Order API Visa Platform Connect
Credit Card ServicesSimple Order APIVisa Platform ConnectDeveloper Guide
2021. Cybersource Corporation. All rights reserved.Cybersource Corporation (Cybersource) furnishes this document and the software described in this document underthe applicable agreement between the reader of this document (You) and Cybersource (Agreement). You may use thisdocument and/or software only in accordance with the terms of the Agreement. Except as expressly set forth in theAgreement, the information contained in this document is subject to change without notice and therefore should not beinterpreted in any way as a guarantee or warranty by Cybersource. Cybersource assumes no responsibility or liabilityfor any errors that may appear in this document. The copyrighted software that accompanies this document is licensedto You for use only in strict accordance with the Agreement. You should read the Agreement carefully before using thesoftware. Except as permitted by the Agreement, You may not reproduce any part of this document, store this documentin a retrieval system, or transmit this document, in any form or by any means, electronic, mechanical, recording, orotherwise, without the prior written consent of Cybersource.Restricted Rights LegendsFor Government or defense agencies: Use, duplication, or disclosure by the Government or defense agencies is subject torestrictions as set forth the Rights in Technical Data and Computer Software clause at DFARS 252.227-7013 and in similarclauses in the FAR and NASA FAR Supplement.For civilian agencies: Use, reproduction, or disclosure is subject to restrictions set forth in subparagraphs (a) through (d)of the Commercial Computer Software Restricted Rights clause at 52.227-19 and the limitations set forth in CybersourceCorporation's standard commercial agreement for this software. Unpublished rights reserved under the copyright laws ofthe United States.TrademarksAuthorize.Net, eCheck.Net, and The Power of Payment are registered trademarks of Cybersource Corporation.Cybersource, Cybersource Payment Manager, Cybersource Risk Manager, Cybersource Decision Manager, andCybersource Connect are trademarks and/or service marks of Cybersource Corporation. Visa, Visa International,Cybersource, the Visa logo, and the Cybersource logo are the registered trademarks of Visa International in the UnitedStates and other countries. All other trademarks, service marks, registered marks, or registered service marks are theproperty of their respective owners.Version: 21.08Credit Card Services 2
ContentsRecent Revisions to This Document. 8About This Guide.10Introduction to the Credit Card Services.11Requirements for Processing Payments.11Cards and Payment Methods.11Debit Cards.11Discover Acquisitions and Alliances.12mada Debit Cards.12Types of Transactions.13Card-Present Transactions.14Card-Not-Present Transactions.14International Transactions.14Banks and Associations.15Acquiring (Merchant) Banks.15Issuing (Consumer) Banks.16Payment Card Companies. 16Supported Card Types. 17Order Tracking.18Request IDs.18Reconciliation IDs. 18Payment Card Processing.20Authorizations. 20Processor-Specific Information.20Workflow for an Online Authorization.20Offline Authorizations. 22Required Fields for an Authorization. 22Authorizing a Payment. 25Example: Authorization (NVP).25Example: Authorization (XML). 26Incremental Authorizations. 28Supported Card Types. 28Overview. 28Credit Card Services - Contents 3
Contents 4Scenario. 28Supported Features. 29Limitations.30Required Fields for an Incremental Authorization. 30Optional Fields for an Incremental Authorization. 31Performing an Incremental Authorization. 31Example: Incremental Authorization (NVP). 31Example: Incremental Authorization (XML).32Authorization Reversals.33Processor-Specific Information.33Overview. 33Required Fields for an Authorization Reversal. 34Reversing an Authorization.35Example: Authorization Reversal (NVP).35Example: Authorization Reversal (XML). 36Captures.37Processor-Specific Information.37Overview. 37Workflow.37Required Fields for a Capture. 38Capturing an Authorization.39Example: Capture (NVP). 40Example: Capture (XML).40Sales.41Processor-Specific Information.41Overview. 42Dual-Message Processing. 42Single-Message Processing.42Required Fields for a Sale. 44Performing a Sale.47Example: Sale (NVP).48Example: Sale (XML).49Follow-on Credits.50Processor-Specific Information.50Credit Card Services - Contents 4
Contents 5Overview. 51Workflow.51Required Fields for a Follow-on Credit.52Crediting a Payment with a Follow-on Credit. 53Example: Follow-on Credit (NVP).53Example: Follow-on Credit (XML). 54Stand-Alone Credits. 55Processor-Specific Information.55Overview. 55Workflow.56Required Fields for a Stand-alone Credit. 56Crediting a Payment with a Stand-Alone Credit. 58Example: Stand-alone Credit (NVP).59Example: Stand-alone Credit (XML). 60Voids.61Overview. 61Required Fields for a Void. 61Voiding a Capture or Credit.62Example: Void (NVP). 62Example: Void (XML).63Testing the Credit Card Services.65Requirements for Testing Credit Card Services. 65Testing the Credit Card Services.65Using Amounts to Simulate Errors. 67Testing American Express Card Verification. 67Required Features for Credit Card Processing. 68Authorization Reversal after Void (ARAV). 69Required Fields for an Authorization Reversal. 69Required Fields for a Void. 69Reversing an Authorization After a Void.70Example: Void (NVP). 71Example: Void (XML).71Example: Authorization Reversal (NVP).72Example: Authorization Reversal (XML). 73Automatic ARAV. 74Credit Card Services - Contents 5
Contents 6Automatic Partial Authorization Reversals. 74Card Types that Support Automatic Partial Authorization Reversals.74Automatic Partial Authorization Reversals Overview. 75Card Verification Numbers. 76Card Types that Support Card Verification Numbers. 76CVN Locations and Terminology.76CVN Results.77Required Field for an Authorization with a Card Verification Number.78Required Fields for an Authorization. 78Optional Fields for an Authorization with a Card Verification Number.81Authorizing a Payment with CVN. 81Example: Authorization with CVN (NVP).82Example: Authorization with CVN (XML). 83Standard AVS.85Processing AVS Codes. 85Controlling AVS Results.85Card Types that Support Standard AVS. 85No Required Fields for Standard AVS. 86Required Fields for an Authorization. 86Optional Fields for Standard AVS. 89Example: Authorization with AVS (NVP).89Example: Authorization with AVS (XML). 90Debit and Prepaid Card Features. 92Partial Authorizations.92Supported Card Types. 93Unsupported Card Types.93How a Partial Authorization Works.94Required Field for Opting In (Enabling) Partial Authorizations. 95Required Field for Opting Out (Disabling) Partial Authorizations.95Required Fields for an Authorization. 95Required Fields for a Capture. 98Optional Field for Enabling and Disabling Partial Authorizations. 99Opting Out: Disabling Partial Authorizations. 100Opting In: Enabling Partial Authorizations.101Capturing a Partial Authorization.101Credit Card Services - Contents 6
Contents 7Example: Partially Approved Authorization (NVP).103Example: Partially Approved Authorization (XML).105Real-Time Reversals.107Balance Responses.108Supported Card Types for Balance Responses.108Optional Features. 110Credit Card Services - Contents 7
Recent Revisions to This Document21.08This revision contains only editorial changes and no technical updates.21.07Visa Platform Connect21.06Added the card cvNumber request field to Authorizing a Payment (on page 25).For details about this field, see the API Field Reference for the Simple Order API.API FieldsMoved the API field descriptions to the new API Field Reference Guide. See the API FieldReference for the Simple Order API.Visa CheckoutChanged to Visa Checkout to Visa Click to Pay.Visa Platform ConnectAdded a requirement for the billTo merchantTaxID field for authorizations withMastercard in Argentina, Chile, and Paraguay. See Authorizing a Payment (on page25) and the API Field Reference for the Simple Order API.Added support for the China UnionPay card type for full authorization reversals. SeeAuthorization Reversals (on page 33).Added details about the American Express card type to the table of supportedprocessors, card types, and scenarios in merchant-initiated transactions andcredentials-on-file transactions, which are described in Credit Card Services OptionalFeatures (Simple Order API).Added the new ccAuthService authenticationOutageExemptionIndicator field tosupport a new authentication outage exemption for strong customer authentication,which is described in Credit Card Services Optional Features (Simple Order API). Fordetails about this field, see the API Field Reference for the Simple Order API.Added a requirement for the subsequentAuthTransactionID field in stand-alonecredit requests when credit authorizations are enabled for your account. See StandAlone Credits (on page 55) and the API Field Reference for the Simple Order API.Visa Secure Remote CommerceCredit Card Services - Recent Revisions to This Document 8
21.05Removed this section.API FieldsUpdated the descriptions for the ccAuthReply merchantAdviceCode andccAuthReply merchantAdviceCodeRaw fields. For details about these fields, see theAPI Field Reference for the Simple Order API.MasterpassRemoved support for Masterpass.Strong Customer AuthenticationUpdated the information about strong customer authentication, which is describedinCredit Card Services Optional Features (Simple Order API).Visa Platform ConnectAdded support for installment payments in Argentina. See the information aboutinstallment payment on Visa Platform Connect in Argentina in Credit Card ServicesOptional Features (Simple Order API).Added support for installment payments in Chile. See the information aboutinstallment payment on Visa Platform Connect in Chile in Credit Card Services OptionalFeatures (Simple Order API).21.04Payment Network TokensAdded the tokenSource networkTokenOption request field.Added payment network token values to the paymentSolution field. This field is nowa request field and response field.21.03For details about these fields, see the API Field Reference for the Simple Order API.Merchant-Initiated Transactions (MITs)Updated the following information about merchant-initiated transactions, which aredescribed in Credit Card Services Optional Features (Simple Order API): Kinds of tokens that can be used for MITs. Usage for the subsequentAuthStoredCredential field for the MIT scenarios.Credit Card Services - Recent Revisions to This Document 9
About This GuideThis section provides you with information about the Simple Order API credit card services for VisaPlatform Connect.Audience and PurposeThis guide is written for application developers who want to use the Simple Order API to integratepayment card processing into an order management system.Implementing the credit card services requires software development skills. You must write codethat uses the API request and response fields to integrate the credit card services into your existingorder management system.ConventionsThe following special statements are used in this document:Important: An Important statement contains information essential to successfullycompleting a task or learning a concept.Warning: A Warning contains information or instructions, which, if not heeded, can result ina security risk, irreversible loss of data, or significant cost in time or revenue or both.Related DocumentationRefer to the Support Center for complete technical pport/technical-documentation.htmlCustomer SupportFor support information about any service, visit the Support Center:http://www.cybersource.com/supportCredit Card Services - About This Guide 10
Introduction to the Credit Card ServicesIn this document, the word processor can refer to processors, acquirers, or acquiring processorsdepending on your location.Requirements for Processing PaymentsPayment processors connect with acquiring banks. Before you can accept payments, you mustregister with a payment processor. Your acquiring bank might require you to use a paymentprocessor with which the bank has a business relationship.Your processor provides you with unique identification numbers for your account. You must providethese identification numbers to customer support.Cards and Payment MethodsThe credit card services can be used to process the following types of cards and payment methods: Credit cards—payments made with numerous types of credit cards can be accepted, includingVisa , Mastercard , American Express , Discove
See the API Field Reference for the Simple Order API. Visa Checkout Changed to Visa Checkout to Visa Click to Pay. Visa Platform Connect Added a requirement for the billTo_merchantTaxID field for authorizations with Mastercard in Argentina, Chile, and Paraguay. See Authorizing a Payment (on page 25) and the API Field Reference for the Simple .
required to have the Credit Card Credit permission to access the Apply Credit Card Credit. The patient transactions that appear in the Credit Card Credit page are limited to charges with a credit card payment. This can be any credit card payment type, not just Auto CC. To apply a credit card credit: 1.
113.credit 114.credit 115.credit 116.credit 117.credit 118.credit 119.credit 12.credit 120.credit 121.credit 122.credit 123.credit 124.credit 125.credit 1277.credit
an Insured Person Credit Card means a payment medium that takes the form of a credit card, credit plate, charge plate, courtesy card or other identification card or device issued to you. You may use the credit card to purchase, hire, rent or lease property or services. Credit Card does not include a debit card.
the Credit Card and/or Credit Facility and/or PIN details and/or Credit Card Account. 7.2 In the event of your Credit Card being stolen, lost or retained by the ATM and where your Credit Card details or your PIN have been compromised, you must notify WesBank Credit Card immediately by calling 0800 110 132 / 087 575 9429.
Titanium Credit Card / ICICI Bank HPCL Coral Credit Card 199 Nil 199 Nil 50,000* ICICI Bank Platinum Chip Credit Card Nil Nil Nil Nil Nil Manchester United Signature Credit Card by ICICI Bank 2,499 Nil 2,499 100 2,50,000* Manchester United Platinum Credit Card by ICICI Bank 499 Nil 499 100 1,25,000* ICICI Bank Unifare Credit Card
Cards on KSU 64 If card is a Loop card 64 If card is a T1 card 64 If card is a PRI card 65 If card is an ETSI PRI card 66 If card is a DID card 66 If card is an E&M card 66 If card is a BRI-U2, BRI-U4 or BRI-ST card 66 If
for APGFCU Credit and Share Secured Credit Cards Issued After June 15, 2017 In this Agreement the words "you" and "your" mean each and all of those who apply for the card or use the card. "Card" means the VISA Credit Card and any duplicates and renewals we issue. "Account" means your VISA Credit Card Line of Credit account .
Ensure a superior credit card customer journey with Acqueon USE CASE CREDIT CARD . 1 A consumer's end-to-end credit journey in a digital, mobile-first world is predictable, but not simple! Cards . only to wind up with an unhelpful customer service agent. Synchronization - It's a common challenge. A bank wants to sell a credit card to an .
