Card Present Connect | Retail Processing

This section shows you how to process card-present transactions that use:
  • Authorizations with contact or contactless EMV and an online PIN or an offline PIN
  • Authorizations with magnetic stripe swipe
  • Authorizations with hand-keyed data
  • Authorizations for a cash advance
  • Capture with a contact EMV

Additional Resources for Card Present Connect | Retail

For more information on Card Present Connect | Retail, see these guides:
Card Present Connect | Retail Processing

Authorization with Contact EMV and Online PIN

For an EMV chip contact authorization, the customer inserts the card directly into a point-of-sale (POS) terminal. For an online PIN authorization, the customer enters 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
Card Present Connect | Retail Processing

Authorization with Contact EMV and Offline PIN

During a contact EMV authorization, the customer inserts the card into the terminal, which causes the EMV chip to be in contact with the terminal. When processing an offline PIN transaction, the EMV chip verifies the customer PIN.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments
Card Present Connect | Retail Processing

Authorization with Contactless EMV and 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.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments
Card Present Connect | Retail Processing

Authorizations with Magnetic Stripe Swipes

Although EMV chips have become common, sometimes the EMV chip cannot be used to validate the customer. In these instances, you can choose to validate the customer by using the magnetic stripe on the payment card.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments
Card Present Connect | Retail Processing

Authorizations with Hand-Keyed Data

Under certain circumstances, you might choose to manually enter (hand key) a customer's data to obtain an authorization.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments
Card Present Connect | Retail Processing

Authorization for a Cash Advance with a Credit Card

With a cash advance, a cardholder can withdraw cash against their credit card account limit at an ATM or at their bank. At the ATM, the cardholder is required to enter a PIN, which they may be allowed to request online. At the bank, the cardholder hands their credit card and identification to the bank clerk, or uses the bank card terminal.
This feature is supported for Discover, Mastercard, and Visa credit cards in the U.S.

Field Specific to This Use Case

This API field is specific to this use case:
processingInformation.authorizationOptions.cashAdvanceIndicator
Set the value to
true
.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments
Card Present Connect | Retail Processing