Recent Revisions to This Document

About This Guide

Introduction to Payments
- Payment Services
- Financial Institutions and Payment Networks
  - Merchant Financial Institutions (Acquirers)
  - Issuing (Customer) Financial Institutions
  - Payment Networks
  - Payment Processors
- Card Types
  - Co-Badged Cards
  - Co-Branded Cards
  - Credit Cards
  - Debit Cards
  - Prepaid Cards
  - Private Label Cards
  - Quasi-Cash
- Transaction Types
  - Card-Not-Present Transactions
  - Card-Present Transactions
  - Authorizations with Card Verification Numbers
    - CVN Locations and Terminology
    - International Transactions
      - Dynamic Currency Conversion
      - Merchant Remittance Funding
  - Token Management Service
- Payment Processing
  - Authorizations
    - Online Authorizations
    - Offline Authorizations
    - Incremental Authorizations
      - Example
    - Payment Network Token Authorizations
    - Authorization Workflow
  - Sales
    - Dual Message Processing
      - Partial Authorizations
    - Single Message Processing
  - Authorization Reversals
  - Credits
    - Credit Workflow
  - Capture or Credit Voids
  - Split Shipments
  - Capture
    - Capture Workflow

Basic Processing
- Basic Authorizations
  - Required Fields for Processing Basic Authorizations Using the REST API
    - Country-Specific Required Fields for Processing Basic Authorizations Using the REST API
  - Declined Authorizations
  - REST Interactive Example: Processing an Authorization
  - REST Example: Processing a Basic Authorization
- Authorization with Line Itemization
  - Required Fields
    - Country Specific Required Fields
  - REST Example: Processing a Basic Authorization with Line Items
- Incremental Authorization
  - Required Fields for Processing Incremental Authorizations Using the REST API
    - Country Specific Required Fields for Processing Basic Authorizations Using REST APIs
  - Optional Fields for Processing Incremental Authorizations Using the REST API
  - REST Example: Processing an Incremental Authorization
- Processing an Authorization with a Card Verification Number
  - Required Fields for Processing Basic Authorizations with a Card Verification Number Using the REST API
  - Optional Fields for an Authorization with a Card Verification Number Using the REST API
  - REST Example: Processing an Authorization with a CVN
- Zero Amount Authorizations
  - Required Fields for Processing Zero Amount Authorizations Using the REST API
    - Country-Specific Required Fields for Processing Basic Zero Amount Authorizations Using the REST API
  - REST Example: Processing a Zero Amount Authorization
- Authorization with Strong Customer Authentication Exemption
  - Required Fields for an Authorization with an SCA Exemption Using the REST API
  - REST Example: Authorization with an SCA Exemption for Low-Value Transactions
- Authorization Reversals
  - Required Fields for Processing Authorization Reversals Using the REST API
  - REST Example: Processing an Authorization Reversal
- Captures
  - Required Fields for Capturing a Payment Using the REST API
  - REST Interactive Example: Capturing a Payment
  - REST Example: Capturing an Authorization
- Multiple Captures
  - Required Fields for Multiple Captures Using the REST API
  - REST Example: Processing Multiple Partial Captures
- Credits
  - Required Fields for Processing a Credit Using REST API
  - REST Interactive Example: Processing a Credit
  - REST Example: Processing a Credit
- Refunds
  - Required Fields for Processing Refunds Using the REST API
  - REST Interactive Example: Processing a Refund
  - REST Example: Processing a Refund
- Sales
  - Required Fields for Processing a Sale Using the REST API
  - REST Example: Requesting a Sale
- Voids
  - Required Fields for Processing Voids Using the REST API
  - REST Example: Processing a Void

Split Shipments
- Authorizing a Sale for a Product not yet Available
- Processing Two Authorizations and a Capture for Multiple Products
- Processing an Authorization and Two Captures for Multiple Products

Payer Authentication Processing
- American Express SafeKey
  - Required Fields for an Authorization with American Express SafeKey
  - Optional Field for an Authorization with American Express SafeKey
  - REST Example: Authorization with American Express SafeKey
- JCB J/Secure
  - Required Fields for an Authorization using JCB J/Secure Authentication
  - REST Example: Authorization with JCB J/Secure
- Mastercard Identity Check
  - Required Fields for an Authorization with Mastercard Identity Check
  - REST Example: Authorizing Mastercard Identity Check
- Visa Secure
  - Required Fields for an Authorization with Visa Secure
  - REST Example: Authorization with Visa Secure

Stored Credential Processing
- Customer-Initiated Transactions with Credentials on File
  - Storing Customer Credentials with a Customer-Initiated Transaction
    - Required Fields
    - REST Example: Storing Customer Credentials During a Customer-Initiated Transaction
  - Using Stored Customer Credentials During a Customer-Initiated Transaction
    - Required Fields
    - Card-Specific Required Fields
    - REST Example: Retrieving Customer Credentials During a Customer-Initiated Transaction
- Merchant-Initiated Transactions
  - Industry Practice Transactions
    - Merchant-Initiated Delayed Transaction
      - Required Fields
      - Card-Specific Required Fields
      - REST Example: Merchant-Initiated Delayed Authorization Transaction
    - Merchant-Initiated Incremental Transaction
      - Required Fields
      - Card-Specific Required Fields
      - REST Example: Merchant-Initiated Incremental Transaction
    - Merchant-Initiated Reauthorization Transactions
      - Required Fields
      - Card-Specific Required Fields
      - REST Example: Merchant-Initiated Reauthorization Transactions
    - Merchant-Initiated Resubmission Transaction
      - Required Fields
      - Card-Specific Required Fields
      - REST Example: Merchant-Initiated Resubmitted Authorization Transactions
    - Merchant-Initiated No-Show Transactions
      - Required Fields
      - Card-Specific Required Fields
      - REST Example: Merchant-Initiated No-Show Transaction
  - Standing Instruction Transactions
    - Installment Payments
      - Initial CIT Installment Payment
        Required Fields for Authorizing Initial Installment Payments Using REST APIs
        Card-Specific Required Fields
        REST Example: Initial Customer-Initiated Transaction Installment Payment
      - Subsequent MIT Installment Payments
        Required Fields for Authorizing Subsequent Installment Payments Using REST APIs
        Card-Specific Required Fields
        REST Example: Subsequent Installment Payment Authorization
    - Recurring Payments
    - Recurring Billing for Recurring Payments
    - Initial CIT Recurring Payment with a PAN
      - Required Fields for Authorizing Initial Recurring Payments Using REST APIs
      - REST Example: Initial CIT Recurring Payment
    - Mastercard Standing Order Payments
      - Mastercard Initial CIT Standing Order Payment
        Required Fields for Authorizing Standing Order Payments Using REST APIs
        REST Example: Initial CIT Standing Order Payments
    - Mastercard Subscription Payments
      - Mastercard Initial CIT Subscription Payment
        Required Fields for Authorizing Subscription Payments Using REST APIs
        REST Example: Initial CIT Subscription Payments
    - Unscheduled COF Payments
      - Initial CIT Unscheduled COF Payment
        Required Fields for Authorizing Initial Unscheduled COF Payments Using REST APIs
        REST Example: Initial CIT Unscheduled COF Payment

Processing Token Management Service Payments
- Authorize a Payment with a Customer Token
  - Required Fields for Authorizing a Payment with a Customer Token Using the REST API
  - REST Example: Authorizing a Payment with a Customer Token
  - REST Example: Authorizing a Payment Using a Customer Token Linked to a Network Token
- Authorize a Payment with a Non-Default Shipping Address
  - Required Fields for Authorizing a Payment with a Non-Default Shipping Address Using the REST API
  - REST Example: Authorizing a Payment with a Non-Default Shipping Address
- Authorize a Payment with Non-Default Payment Instrument
  - Required Fields for Authorizing a Payment with Non-Default Payment Instrument Using the REST API
  - Optional Fields for Authorizing a Payment with Non-Default Payment Instrument Using the REST API
  - REST Example: Authorizing a Payment with Non-Default Payment Instrument
- Authorize a Payment with a Payment Instrument
  - Required Fields for Authorizing a Payment with a Payment Instrument Using the REST API
  - Optional Fields for Authorizing a Payment with a Payment Instrument Using the REST API
  - REST Example: Authorizing a Payment with a Payment Instrument
- Authorize a Payment with an Instrument Identifier
  - Required Fields for Authorizing a Payment with an Instrument Identifier Using the REST API
  - REST Example: Authorizing a Payment with an Instrument Identifier
  - REST Interactive Example: Authorizing a Payment with an Instrument Identifier
- Authorize a Payment with Legacy Token
  - Required Fields for Authorizing a Payment with Legacy Token Using the REST API
  - REST Example: Authorizing a Payment with Legacy Token
  - REST Interactive Example: Authorizing a Payment with a Legacy Token
- Make a Credit with a Customer Token
  - Required Fields for Making a Credit with a Customer Token Using the REST API
  - REST Example: Making a Credit with a Customer Token
- Make a Credit with Non-Default Payment Instrument
  - Required Fields for Making a Credit with Non-Default Payment Instrument Using the REST API
  - Optional Fields for Making a Credit with Non-Default Payment Instrument Using the REST API
  - REST Example: Making a Credit with Non-Default Payment Instrument
- Make a Credit with a Payment Instrument
  - Required Fields for Making a Credit with a Payment Instrument Using the REST API
  - REST Example: Making a Credit with a Payment Instrument
- Make a Credit with an Instrument Identifier
  - Required Fields for Making a Credit with an Instrument Identifier Using the REST API
  - REST Example: Making a Credit with an Instrument Identifier
  - REST Interactive Example: Making a Credit with an Instrument Identifier
- Make a Credit with Legacy Token
  - Required Fields for Making a Credit with Legacy Token Using the REST API
  - REST Example: Making a Credit with Legacy Token

Debit and Prepaid Card Processing
- Processing Debit and Prepaid Authorizations
  - Required Fields for Debit and Prepaid Authorizations Using REST APIs
    - Country Specific Required Fields for Processing Basic Authorizations Using REST APIs
  - Optional Field for Debit and Prepaid Authorizations Using REST APIs
  - REST Example: Debit and Prepaid Authorizations
- Enabling Debit and Prepaid Partial Authorizations
  - Required Field for Enabling Debit and Prepaid Partial Authorizations Using REST APIs
  - Optional Field for Enabling Debit and Prepaid Partial Authorizations Using REST APIs
  - Enabling Partial Authorizations
  - Example: Enabling Debit and Prepaid Partial Authorizations Using the REST API
- Disabling Debit and Prepaid Partial Authorizations
  - Required Field for Disabling Debit and Prepaid Partial Authorizations Using REST APIs
  - Optional Field for Disabling Debit and Prepaid Partial Authorizations Using REST APIs
  - Disabling Partial Authorizations
  - Example: Disabling Debit and Prepaid Partial Authorizations Using the REST API

On This Page

Introduction to Payments

This introduction provides the basic information that you will need to successfully process payment transactions. It also provides an overview of the payments industry and provides workflows for each process.