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

Required Fields for Processing an Authorization for a Cash Advance

Use these required fields for processing an authorization for a cash advance.
IMPORTANT
When relaxed requirements for address data and the expiration date are being used, not all fields in this list are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. For details about relaxed requirements, see Relaxed Requirements for Address Data and Expiration Date in Payment Transactions.

Optional Fields for Processing an Authorization for a Cash Advance

REST Example: Processing an Authorization for a Cash Advance

Request 
        
{
    "clientReferenceInformation": {
        "code": "TC50171rbi_2"
    },
    "processorInformation": {
        "authorizationOptions": {
            "panReturnIndicator": "1-E"
        }
    },
    "orderInformation": {
        "billTo": {
            "country": "US",
            "lastName": "VDP",
            "address2": "test",
            "address1": "201 S. Division St.",
            "postalCode": "48104-2201",
            "locality": "Ann Arbor",
            "administrativeArea": "MI",
            "firstName": "RTS",
            "phoneNumber": "999999999",
            "district": "MI",
            "buildingNumber": "123",
            "company": "Visa",
            "email": "
          "
        },
        "amountDetails": {
            "totalAmount": "6854.31",
            "currency": "USD"
        }
    },
    "paymentInformation": {
        "card": {
            "expirationYear": "2031",
            "number": "555555555555xxxx",
            "securityCode": "123",
            "expirationMonth": "12",
            "type": "002",
            "useAs": "DB"
        }
    },
    "buyerInformation": {
        "personalIdentification": [
            {
                "type": "TAX_ID",
                "issuedBy": "issuer",
                "verificationResults": "5"
            }
        ]
    },
    "processingInformation": {
        "authorizationOptions": {
            "cashAdvanceIndicator": "true"
        }
    }
}
Response to a Successful Request 
        
{
    "_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/6557018740636000603187/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/6557018740636000603187"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/6557018740636000603187/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "TC50171rbi_2"
    },
    "id": "6557018740636000603187",
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "6854.31",
            "currency": "USD"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "002"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "002"
        },
        "card": {
            "hashedNumber": "555555L3JbvR9AWh7QM2q6+F3f62kCqZhKdv2HfDtcw7UIWoI=",
            "type": "002"
        }
    },
    "processorInformation": {
        "systemTraceAuditNumber": "814983",
        "electronicVerificationResults": {
            "codeRaw": "01"
        },
        "approvalCode": "831000",
        "cardVerification": {
            "resultCodeRaw": "M",
            "resultCode": "M"
        },
        "merchantAdvice": {
            "code": "01",
            "codeRaw": "M001",
            "nameMatch": "00"
        },
        "networkTransactionId": "MCC6635490620",
        "retrievalReferenceNumber": "217105814983",
        "consumerAuthenticationResponse": {
            "code": "2",
            "codeRaw": "2"
        },
        "transactionId": "MCC6635490620",
        "responseCode": "00",
        "avs": {
            "code": "Y",
            "codeRaw": "Y"
        }
    },
    "reconciliationId": "6557018740636000603187",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2022-06-20T05:11:14Z"
}

Response Codes from an Authorization for a Cash Advance

201
Successful response.
400
Invalid request.
502
Unexpected system error or system timeout.