Recent Revisions to This Document

About This Guide

VISA Platform Connect: Specifications and Conditions for Resellers/Partners

Introduction to Payments
- 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 Services
  - Authorizations
    - payments-intro-processing-auth-micropayment
    - Online Authorizations
    - Offline Authorizations
    - Incremental Authorizations
      - Example: Incremental Authorization
    - Payment Network Token Authorizations
    - Authorization Workflow
  - Authorization Reversals
  - Captures
    - Capture Workflow
  - Credits
    - Credit Workflow
  - Voids
  - Sales
    - Dual Message Processing
      - Partial Authorizations
    - Single Message Processing
- Payment Features
  - Card-Present Authorizations
  - Debit and Prepaid Card Payments
  - Airline Data
    - Cybersource Airline Data Processing
    - Airline Travel Legs
    - Airline Data Reference Information
      - Airline Document Type Codes
      - Ancillary Service Category Codes
  - Interchange Optimization
  - Japanese Payment Options
  - Level II and Level III Data
  - Mastercard Bill Payments
  - Mastercard Expert Monitoring Solutions
  - Payer Authentication
  - Split Shipments
  - Stored Credentials
  - Token Management Service

Standard Payments Processing
- Additional Documentation
- Basic Authorizations
  - Declined Authorizations
  - Required Fields for Processing a Basic Authorization
    - Country-Specific Required Fields for Processing a Basic Authorization
  - REST Interactive Example: Processing a Basic Authorization
  - REST Example: Processing a Basic Authorization
- Authorizations with Line Items
  - Required Fields for Processing an Authorization with Line Items
    - Country-Specific Required Fields for Processing an Authorization with Line Items
  - REST Example: Processing an Authorization with Line Items
- Authorizations with Payment Network Tokens
  - Required Fields for Authorizations with Payment Network Tokens
  - Optional Fields for Authorizations with Payment Network Tokens
  - REST Example: Authorizations with Payment Network Tokens
- Authorizations with a Card Verification Number
  - Required Fields for Processing an Authorization with a Card Verification Number
  - Optional Fields for Processing an Authorization with a Card Verification Number
  - REST Example: Processing an Authorization with a Card Verification Number
- Authorizations with the DCC Gateway Service
  - Required Fields for Processing DCC Authorizations
    - Country-Specific Required Fields for Processing a DCC Authorization
  - REST Example: Processing a DCC Authorization
- Authorizations with Strong Customer Authentication Exemption
  - Required Fields for Processing an Authorization with an SCA Exemption
  - REST Example: Processing an Authorization with an SCA Exemption for Low-Value Transactions
- Zero Amount Authorizations
  - Required Fields for Processing a Zero Amount Authorization
    - Country-Specific Required Fields for Processing a Zero Amount Authorization
  - REST Example: Processing a Zero Amount Authorization
- Incremental Authorizations
  - Required Fields for Processing an Incremental Authorization
    - Country-Specific Required Fields for Processing an Incremental Authorization
  - Optional Field for Processing an Incremental Authorization
  - REST Example: Processing an Incremental Authorization
- Final Authorization Indicator
  - Requirements for Final Authorizations
  - Pre-authorizations
  - Unmarked Authorizations
    - Requirements for Unmarked Authorizations
  - Undefined Authorizations
    - Requirements for Undefined Authorizations
  - Required Fields for Final Authorizations
  - REST Example: Final Authorizations
- Authorization Reversal
  - Required Fields for Processing an Authorization Reversal
  - REST Example: Processing an Authorization Reversal
- Capture
  - Required Fields for Capturing an Authorization
  - REST Example: Capturing an Authorization
- Multiple Partial Captures
  - Required Fields for Processing Multiple Partial Captures
  - REST Example: Processing Multiple Partial Captures
- Forced Captures
  - Required Fields for Forced Captures
  - REST Example: Forced Captures
- Refunds
  - Required Fields for Processing a Refund
  - REST Interactive Example: Processing a Refund
  - REST Example: Processing a Refund
- Credit
  - Required Fields for Processing a Credit
  - REST Interactive Example: Processing a Credit
  - REST Example: Processing a Credit
- Sales
  - Required Fields for Processing a Sale
  - REST Example: Processing a Sale
- Voids
  - Required Fields for Processing a Void
  - REST Example: Processing a Void

Card Present Connect | Retail Processing
- Additional Documentation
- Authorization with Contactless EMV and Online PIN
  - Required Fields for Processing an Authorization with Contactless EMV and Online PIN
  - REST Example: Processing an Authorization with Contactless EMV and Online PIN
- Authorization with Contactless EMV and Offline PIN
  - Required Fields for Processing an Authorization with Contactless EMV and Offline PIN
  - REST Example: Processing an Authorization with Contactless EMV and Offline PIN
- Authorization with Contactless EMV and Online PIN
  - Required Fields for Processing an Authorization with Contactless EMV and Online PIN
  - REST Example: Processing an Authorization with Contactless EMV and Online PIN
- Authorizations with Magnetic Stripe Swipes
  - Required Fields for Processing an Authorization with Swiped Track Data
  - REST Example: Processing an Authorization with Swiped Track Data
- Authorizations with Hand-Keyed Data
  - Required Fields for Processing an Authorization with Hand Keyed Data
  - REST Example: Processing an Authorization with Hand Keyed Data
- Authorization for a Cash Advance with a Credit Card
  - Required Fields for Processing an Authorization for a Cash Advance
  - Optional Fields for Processing an Authorization for a Cash Advance
  - REST Example: Processing an Authorization for a Cash Advance
  - Response Codes from an Authorization for a Cash Advance
- Capture
  - Required Fields for Capturing an Authorization
  - Capturing an Authorization Using REST APIs
  - REST Example: Capturing an Authorization

Card Present Connect | Mass Transit Processing
- Additional Documentation
- Mastercard Authorization with EMV Data
  - Example: Mastercard Authorization with EMV Data
- Visa Account Verification Request (AVR) with EMV Data
  - Example: Visa AVR Authorization with EMV Data
- Visa Deferred Sale with EMV Data
  - Example: Visa Deferred Sale with EMV Data
- Tap-Initiated Authorization for Debt Recovery with EMV Data
  - Example: Tap-Initiated Authorization for Debt Recovery with EMV Data
- Merchant-Initiated Authorizations for Debt Recovery with Stored Card Data
  - Example: Merchant-Initiated Authorization for Debt Recovery with Stored Card Data
- Tap-Initiated Sales for Debt Recovery with EMV Data
  - Example: Tap-Initiated Sale for Debt Recovery with EMV Data Using the REST API
- Merchant-Initiated Sales for Debt Recovery with Stored Card Data
  - Example: Merchant-Initiated Sale for Debt Recovery with Stored Card Data
- Stand-Alone Credits with Card Data
  - Example: Stand-Alone Credit with Card Data
- Capture an Authorization
  - Example: Capture a Authorization
- Authorization Reversals
  - Example: Reversing a Mass Transit Authorization
- Timeout Reversal
  - Example: Timeout Reversal
- Timeout Void
  - Example: Timeout Void

Debit and Prepaid Card Processing
- Additional Documentation
- Processing Debit and Prepaid Authorizations
  - Required Fields for Processing Debit and Prepaid Authorizations
    - Country Specific Required Fields to Process Debit and Prepaid Authorizations
  - Optional Field for Processing Debit and Prepaid Authorizations
  - REST Example: Processing Debit and Prepaid Authorizations
- Enabling Debit and Prepaid Partial Authorizations
  - Required Fields for Enabling Debit and Prepaid Partial Authorizations
  - Optional Field for Enabling Debit and Prepaid Partial Authorizations
  - REST Example: Enabling Debit and Prepaid Partial Authorizations
- Disabling Debit and Prepaid Partial Authorizations
  - Required Field for Disabling Debit and Prepaid Partial Authorizations
  - Optional Field for Disabling Debit and Prepaid Partial Authorizations
  - REST Example: Disabling Debit and Prepaid Partial Authorizations

Airline Data Processing
- Additional Documentation
- Visa Platform Connect Airline Authorizations
  - Required Fields for Authorizing an Airline Payment
  - REST Example: Authorizing an Airline Payment
- Visa Platform Connect Airline Captures for Ticket Purchases
  - Required Fields for Capturing an Airline Payment
    - Card-Specific Field to Capture an Airline Payment
  - Optional Fields for Capturing an Airline Payment
  - REST Example: Capturing an Airline Payment
- Visa Platform Connect Airline Captures for Ancillary Purchases
  - Required Fields for Capturing an Authorization for Ancillary Purchases
  - Ancillary Fields for Capturing an Authorization for an Ancillary Purchase
  - REST Example: Capturing an Authorization for an Ancillary Purchase
- Visa Platform Connect Airline Refunds
  - Required Fields for Processing an Airline Refund
  - Optional Fields for Processing an Airline Refund
  - REST Example: Processing an Airline Refund
- Visa Platform Connect Airline Credits
  - Required Fields for Processing an Airline Credit
  - Optional Fields for Processing an Airline Credit
  - REST Example: Processing an Airline Credit

Japanese Payment Options Processing
- Authorize a Single Payment with Japanese Payment Options
  - Required Fields for Authorizing a Single Payment Using the JPO Method
  - REST Example: Authorizing a JPO Single Payment
- Authorize a Bonus Payment with Japanese Payment Options
  - Required Fields for Authorizing a JPO Bonus Payment
  - REST Example: Authorizing a JPO Bonus Payment
- Authorize an Installment Payment with Japanese Payment Options
  - Required Fields for Authorizing a JPO Installment Payment
  - REST Example: Authorizing a JPO Installment Payment
- Authorize a Revolving Payment with Japanese Payment Options
  - Required Fields for Authorizing a Revolving Payment Using the JPO Method
  - REST Example: Authorizing a JPO Revolving Payment
- Authorize a Combination Payment with Japanese Payment Options
  - Required Fields for Authorizing a Combination Payment Using the JPO Method
  - REST Example: Authorizing a JPO Combination Payment

Level II Processing
- Additional Documentation
- Captures with Level II Data
  - Required Fields for Capturing a Payment with Level II Data
  - Optional Fields for Capturing a Payment with Level II Data
  - REST Example: Capturing a Payment with Level II Data
- Credits with Level II Data
  - Required Fields for Processing a Credit with Level II Data
  - Optional Fields for Processing a Credit with Level II Data
  - REST Example: Processing a Credit with Level II Data
- Sales with Level II Data
  - Required Fields for Processing a Sale with Level II Data
  - Optional Fields for Processing a Sale with Level II Data
  - REST Example: Processing a Sale with Level II Data

Level III Processing
- Additional Documentation
- Captures with Level III Data
  - Required Fields for Capturing a Payment with Level III Data
  - Optional Fields for Capturing a Payment with Level III Data
  - REST Example: Capturing a Payment with Level III Data
- Credits with Level III Data
  - Required Fields for Processing a Credit with Level III Data
  - Optional Fields for Processing a Credit with Level III Data
  - REST Example: Processing a Credit with Level III Data
- Sales with Level III Data
  - Required Fields for Processing a Sale with Level III Data
  - Optional Fields for Processing a Sale with Level III Data
  - REST Example: Processing a Sale with Level III Data

Mastercard Processing
- Mastercard Bill Payment Processing
  - Required Fields for Authorizing a Mastercard Bill Payment
  - REST Example: Authorizing a Mastercard Bill Payment
- Mastercard Expert Monitoring Solutions Processing
  - Required Fields for Processing an Authorization with Mastercard Expert Monitoring Solutions
  - Response Field for Authorizations with Mastercard Expert Monitoring Solutions
  - REST Example: Obtaining the Mastercard Fraud Score for an Authorization

Payer Authentication Processing
- Additional Documentation
- Providing Payer Authentication Information for Authorization
- American Express SafeKey
  - Required Fields for Processing an Authorization Using American Express SafeKey
  - Optional Field for Processing an Authorization Using American Express SafeKey
  - REST Example: Processing an Authorization Using American Express SafeKey
- JCB J/Secure
  - Required Fields for Processing an Authorization Using JCB J/Secure Authentication
  - REST Example: Processing an Authorization Using JCB J/Secure Authentication
- Mastercard Identity Check
  - Required Fields for Processing an Authorization Using Mastercard Identity Check
  - REST Example: Processing an Authorization Using Mastercard Identity Check
- Visa Secure
  - Required Fields for Processing an Authorization Using Visa Secure
  - REST Example: Processing an Authorization Using Visa Secure

Split Shipments Processing
- 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

Processing Payments Using Credentials
- Additional Documentation
- Customer-Initiated Transactions with Credentials on File
  - Storing Customer Credentials with a CIT and PAN
    - Required Fields for Storing Customer Credentials During a CIT
    - REST Example: Storing Customer Credentials During a CIT
  - Storing Customer Credentials with a CIT and TMS
    - Required Fields for Storing a Customers Credentials with a CIT and TMS
    - Example: Storing a Customer's Credentials with a CIT and TMS
  - Using Stored Customer Credentials During a CIT
    - Required Fields for Retrieving Customer Credentials During a Customer-Initiated Transaction
      - Card-Specific Required Field for Retrieving Customer Credentials During a CIT
    - REST Example: Retrieving Customer Credentials During a CIT
- MIT Delayed Transaction with PAN
  - Required Fields for Processing a Merchant-Initiated Delayed Transaction
    - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
  - REST Example: Processing a Merchant-Initiated Delayed Authorization Transaction
- MIT Delayed Transaction with TMS
  - Required Fields for MIT Delayed Transaction with TMS
  - Example: MIT Delayed Transaction with TMS Instrument Identifier
  - Example: MIT Delayed Transaction with TMS Payment Instrument
  - Example: MIT Delayed Transaction with TMS Customer token
- MIT Incremental Transaction with PAN
  - Required Fields for Processing Merchant-Initiated Incremental Transactions
    - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
  - REST Example: Processing Merchant-Initiated Incremental Transactions
- MIT Incremental Transaction with TMS
  - Required Fields for MIT Incremental Transaction with TMS
  - Example: MIT Incremental Transaction with a TMS Instrument Identifier
  - Example: MIT Incremental Transaction with a TMS Payment Instrument
  - Example: MIT Incremental Transaction with a TMS Customer token
- MIT No-Show Transactions with PAN
  - Required Fields for Processing Merchant-Initiated No-Show Charges
    - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
  - Optional Field for Processing Merchant-Initiated No-Show Charges
  - REST Example: Processing Merchant-Initiated No-Show Transactions
- MIT No-Show Transaction with TMS
  - Required Fields for MIT No-Show Transaction with TMS
  - Example: MIT No-Show Transaction with a TMS Instrument Identifier
  - Example: MIT No-Show Transaction with a TMS Payment Instrument
  - Example: MIT No-Show Transaction with a TMS Customer
- MIT Reauthorization Transactions with PAN
  - Required Fields for Processing Merchant-Initiated Reauthorized Transactions
    - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
  - REST Example: Processing a Merchant-Initiated Reauthorized Transaction
- MIT Reauthorization Transactions with TMS
  - Required Fields for MIT Reauthorization Transaction with TMS
  - Example: MIT Reauthorization Transaction with a TMS Instrument Identifier
  - Example: MIT Reauthorization Transaction with a TMS Payment Instrument
  - Example: MIT Reauthorization Transaction with a TMS Customer
- MIT Resubmission Transaction with PAN
  - Required Fields for Processing a Merchant-Initiated Resubmitted Transaction
    - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
  - REST Example: Processing a Merchant-Initiated Resubmitted Transaction
- MIT Resubmission Transaction with TMS
  - Required Fields for MIT Resubmission Transaction with TMS
  - Example: MIT Resubmission Transaction with a TMSInstrument Identifier
  - Example: MIT Resubmission Transaction with a TMSPayment Instrument
  - Example: MIT Reauthorization Transaction with a TMS Customer
- Installment Payments
  - CIT Installment Payments with PAN
    - Required Fields for Initial Customer-Initiated Installment Payments with a PAN
    - REST Example: Authorizing Initial Customer-Initiated Installment Payments with a PAN
  - CIT Installment Payment with TMS
    - Required Fields for CIT Installment Payments with TMS
    - REST Example: CIT Installment Payment with TMS
  - MIT Installment Payments with PAN
    - Required Fields for Authorizing Merchant-Initiated Subsequent Installment Payments
    - Card-Specific Required Field for Retrieving Customer Credentials During a CIT
    - India-Specific Required Fields for Installment Payments
    - REST Example: Authorizing Merchant-Initiated Subsequent Installment Payments
  - MIT Installment Payment with TMS
    - Required Fields for MIT Installment Payments with TMS
    - Card-Specific Required Field for Retrieving Customer Credentials During a CIT
    - India-Specific Required Fields for Installment Payments
    - Example: MIT with TMS Instrument Identifier Token
- Recurring Payments
  - CIT Recurring Payment with PAN
    - Required Fields for Authorizing Initial Recurring Payments Using REST API
    - REST Example: Authorizing an Initial CIT Recurring Payment with a PAN
  - CIT Recurring Payment with TMS
    - Required Fields for CIT Recurring Payments with TMS
    - REST Example: CIT Recurring Payment with TMS
  - MIT Recurring Payments with PAN
    - Required Fields for Authorizing Subsequent Recurring Payments
      - Card-Specific Required Fields for Authorizing Subsequent Recurring Payments
      - Country-Specific Required Fields for Authorizing Subsequent Recurring Payments
    - REST Example: Authorizing Subsequent Recurring Payments
  - MIT Recurring Payments with TMS
    - Required Fields for MIT Recurring Payments with TMS
    - Example: MIT Recurring Payment with a TMS Instrument Identifier
    - Example: MIT Recurring Payment with TMS Payment Instrument
    - Example: MIT Recurring Payment with a TMS Customer Token
- Mastercard Standing Order Payments
  - Mastercard Initial CIT Standing Order Payment
    - Required Fields for Authorizing Initial CIT Standing Order Payments
    - REST Example: Authorizing Initial CIT Standing Order Payments
- Mastercard Subscription Payments
  - Mastercard CIT Initial Subscription Payment
    - Required Fields for Authorizing CIT Initial Subscription Payments
    - REST Example: Authorizing Initial CIT Subscription Payments
- Unscheduled COF Payments
  - CIT Unscheduled COF Payment with PAN
    - Required Fields for Authorizing Initial CIT Unscheduled COF Payments
    - REST Example: Authorizing Initial CIT Unscheduled COF Payments
  - CIT Unscheduled COF Payments with TMS
    - Required Fields for CIT Unscheduled COF Payments with TMS
    - REST Example: Initial CIT Unscheduled COF Payment in TMS
  - MIT Unscheduled COF Payments with PAN
    - Required Fields for Authorizing Subsequent MIT Unscheduled COF Payments
      - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
      - Country-Specific Required Fields for Authorizing Subsequent Recurring Payments
    - REST Example: Authorizing Subsequent MIT Unscheduled COF Payments
  - MIT Unscheduled COF Payments with TMS
    - Required Fields for MIT Unscheduled COF Payments with TMS
    - Example: MIT Unscheduled COF Payment with TMS Instrument Identifier
    - Example: MIT Unscheduled COF Payment with TMS Payment Instrument
    - Example: MIT Unscheduled COF Payment with TMS Customer
- Merchant-Initiated Authorization Reversals
  - Required Fields for Processing a Merchant-Initiated Authorization Reversal
  - REST Example: Processing a Merchant-Initiated Authorization Reversal
- Merchant-Initiated Capture Voids
  - Required Fields for Processing a Merchant-Initiated Capture Void
  - REST Example: Processing a Merchant-Initiated Capture Void
- Merchant-Initiated Credit Voids
  - Required Fields for Processing a Merchant-Initiated Credit Void
  - REST Example: Processing a Merchant-Initiated Credit Void

Token Management Service Processing
- Additional Documentation
- Authorize a Payment with a Customer Token
  - Required Fields for Authorizing a Payment with a Customer Token
  - 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
  - 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
  - Optional Fields for Authorizing a Payment with Non-Default Payment Instrument
  - 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
  - Optional Fields for Authorizing a Payment with a Payment Instrument
  - 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
  - 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
  - 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
  - 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
  - Optional Fields for Making a Credit with Non-Default Payment Instrument
  - 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
  - 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
  - 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
  - REST Example: Making a Credit with Legacy Token

On This Page

Stored Credentials

Credentialed transactions are transactions that involve either storing a customer's payment credentials for future transactions or using a customer's already stored payment credentials. When processing a credentialed transaction, you must indicate the type of credentialed transaction and the reason for the transaction.

There are several types of credentialed transactions:

Customer-Initiated Transactions (CITs)
: Any transaction a customer is actively participating in such as making a card-present payment, completing an online checkout, or by using a stored credential.

Merchant-Initiated Transactions (MITs)
: Any transaction a merchant initiates without the customer's participation such as an industry practice transaction or a standing instruction transaction.

Industry Practice Transactions
: MITs that are performed as subsequent transactions to a CIT because the initial transaction could not be completed in one transaction. Not every industry practice transaction involves a stored credential. If a stored credential is used only for one transaction, that transaction is not considered a credentialed transaction.

Standing Instruction Transactions
: MITs that are performed to follow agreed-upon instructions from the customer for the provision of goods and services.

Related Information

See Processing Payments Using Credentials for information that shows you how to process transactions using credentials.