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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.
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

Country-Specific Required Fields for Processing an Authorization with Contact EMV or Contactless PIN

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

Request
{
  "clientReferenceInformation": {
    "code": "test123",
    "transactionId": "uniqueValue1",
    "partner": {
      "thirdPartyCertificationNumber": "testTPCN"
    }
  },
  "processingInformation": {
    "commerceIndicator": "retail",
    }
  },
  "paymentInformation": {
     "card": {
                "type": "001"
       }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "9900.00",
      "currency": "USD"
    }
  },
  "pointOfSaleInformation": {
    "entryMode": "contact",
    "terminalCapability": 4,
     "terminalPinCapability": 6,
    "emv": {
      "tags": "5F3401019F3303E0F8C8950580800480009F370465B81A3A9F100706011203A0A0009F2608E9D097D1901E8AB99F36020002820218009C01009F1A0208409A032307259F02060000000007005F2A0208409F0306000000000000DF78083831393931303236DF791B322D30323436362D312D31432D5246492D303331332D342E332E62",
      "cardSequenceNumber": "01"
    },
    "trackData": ";4761xxxxxxxxxxxx=251220111478549?",
    "pinBlockEncodingFormat":0,
    "encryptedPin": "F509429A3C3FD201",
    "encryptedKeySerialNumber": "FFFF1B1D140000200001"
  },
  	"merchantInformation": {
		"transactionLocalDateTime": "20230724085022"
	}
}
Response to a Successful Request
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6938891699856080004953/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6938891699856080004953"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6938891699856080004953/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "test123",
    "transactionId": "uniqueValue1"
  },
  "id": "6938891699856080004953",
  "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": "188535",
    "approvalCode": "831000",
    "networkTransactionId": "016153570198200",
    "retrievalReferenceNumber": "324704188535",
    "transactionId": "016153570198200",
    "responseCode": "00",
    "avs": {
      "code": "2"
    }
  },
  "reconciliationId": "6938891699856080004953",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-09-05T04:46:10Z"
}