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Authorization with Contactless EMV and Online PIN

This section provides the information you need in order to process an authorization with contactless EMV and an online PIN.
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.
Online PIN transactions are supported by these card types:
  • Visa
  • Mastercard
  • American Express
  • Discover

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
merchantDefinedInformation.key
merchantDefinedInformation.value
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
paymentInformation.card.expirationMonth
paymentInformation.card.expirationYear
paymentInformation.card.number
paymentInformation.card.type
pointOfSaleInformation.cardPresent
Set to
true
.
pointOfSaleInformation.emv.cardSequenceNumber
pointOfSaleInformation.emv.cardholderVerificationMethodUsed
pointOfSaleInformation.emv.tags
pointOfSaleInformation.entryMode
Set to
contactless
.
pointOfSaleInformation.pin.blockEncodingFormat
pointOfSaleInformation.pin.encryptedPin
pointOfSaleInformation.pin.keySerialNumber
pointOfSaleInformation.pinEntryCapability
pointOfSaleInformation.terminalCapability
pointOfSaleInformation.trackData
pointOfSaleInformation.transactionDateTime
processingInformation.authorizationOptions.partialAuthIndicator
processingInformation.capture
Set to
false
.
processingInformation.commerceIndicator
senderInformation.referenceNumber

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

orderInformation.billTo.address1
orderInformation.billTo.administrativeArea
orderInformation.billTo.buildingNumber
orderInformation.billTo.country
orderInformation.billTo.district
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.phoneNumber
orderInformation.billTo.postalCode

Example: Processing an Authorization with Contactless EMV and Online PIN

Request
  {
    "clientReferenceInformation": {
      "code": "test123"
    },
    "processingInformation": {
      "capture": false,
      "commerceIndicator": "retail",
      "authorizationOptions": {
        "partialAuthIndicator": true
      }
    },
    "paymentInformation": {
      "card": {
        "number": "4111111111111111",
        "expirationMonth": "12",
        "expirationYear": "2026",
        "type": "001"
      }
    },
    "orderInformation": {
      "amountDetails": {
        "totalAmount": "9900.00",
        "currency": "BRL"
      },
      "billTo": {
        "firstName": "Júlia",
        "lastName": "Fernández",
        "address1": "R. Augusta Æ",
        "address2": "ßloco 01",
        "locality": "Sáo Paulo",
        "administrativeArea": "SP",
        "postalCode": "01310-000",
        "country": "BR",
        "email": "[email protected]",
        "phoneNumber": "999-999-9999",
        "buildingNumber": "1024 Metrño4",
        "district": "Bela Vista Æ"
      }
    },
    "pointOfSaleInformation": {
      "terminalId": "12345678",
      "terminalCapability": "5",
      "entryMode": "contactless",
      "cardPresent": true,
      "pinEntryCapability": "0",
      "trackData": "%B4111111111111111^JONES/JONES ^3112101976110000868000000?;4111111111111111=31121019761186800000?",
      "emv": {
        "tags":
  "9F1E0830303131323233339F02060000000009009C01009A030608025F2A0209789F1A0204849F260856BF299472BDB0C782025C009F360245679F370412135414950540800080009F102006011A03900000112233445566778899AABBCCDD03900000112
  23344556677889F5301039F41030122339F03060001020304058407A00000000410109F2701809F34035E03009F090243219F3501059F3303E0B8C89110001122334455667788010203040506079F5B1000112233445566778801020304050607",
        "cardSequenceNumber": "01"
      },
      "pin": {
        "keySerialNumber": "FFFF1B1D140000200001",
        "blockEncodingFormat": "0",
        "encryptedPin": "F509429A3C3FD201"
      },
      "transactionDateTime": "20230724085022"
    },
    "merchantDefinedInformation": [
      {
        "key": "merchant_transaction_identifier",
        "value": "uniqueValue1010"
      },
      {
        "key": "third_party_certification_number",
        "value": "testTPCN"
      }
    ],
    "senderInformation": {
      "referenceNumber": "ms_user"
    }
  }
Response to a Successful Request
{
  "_links" : {
    "authReversal" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/7627850219976435403093/reversals"
    },
    "self" : {
      "method" : "GET",
      "href" : "/pts/v2/payments/7627850219976435403093"
    },
    "capture" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/7627850219976435403093/captures"
    }
  },
  "clientReferenceInformation" : {
    "code" : "test123"
  },
  "id" : "7627850219976435403093",
  "orderInformation" : {
    "amountDetails" : {
      "authorizedAmount" : "9900.00",
      "currency" : "BRL"
    }
  },
  "paymentAccountInformation" : {
    "card" : {
      "type" : "001"
    }
  },
  "paymentInformation" : {
    "tokenizedCard" : {
      "type" : "001"
    },
    "card" : {
      "type" : "001"
    }
  },
  "processorInformation" : {
    "approvalCode" : "010012",
    "networkTransactionId" : "999010012",
    "transactionId" : "72b2900a9f316142b627a21031b48b0c259f08ffba0004172a04450c5d212345",
    "responseCode" : "00003",
    "avs" : {
      "code" : "2"
    },
  "pointOfSaleInformation": { 
    "emv": {
    "tags": "910AAB002233445577883030
   }
  },
  "reconciliationId" : "7627850219976435403093",
  "status" : "AUTHORIZED",
  "submitTimeUtc" : "2025-11-10T14:30:22Z"
}
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