REST API | Visa Platform Connect

REST Example: Obtaining the Mastercard Fraud Score for an Authorization

Endpoint:
  • Production:
    POST
    https://api.cybersource.com
    /pts/v2/payments
  • Test:
    POST
    https://apitest.cybersource.com
    /pts/v2/payments
This example shows a successful authorization request for a Mastercard payment card issued in the US. If Mastercard Expert Monitoring Solutions is enabled, Mastercard can return a fraud score for the transaction.
Request
{ "orderInformation": { "billTo": { "country": "US", "lastName": "Kim", "address1": "201 S. Division St.", "postalCode": "48104-2201", "locality": "Ann Arbor", "administrativeArea": "MI", "firstName": "Kyong-Jin", "email": "[email protected]"/>" }, "amountDetails": { "totalAmount": "100.00", "currency": "usd" } }, "paymentInformation": { "card": { "number": "555555555555xxxx", "expirationYear": "2031", "expirationMonth": "12", "type": "002" } } }
Response to a Successful Request
The
processorInformation.emsTransactionRiskScore
response field contains the fraud score returned by Mastercard Expert Monitoring Solutions. In this example, the fraud score indicates a high likelihood (field value
843
) of suspicious service station activity (field value
09
).
{ "_links" : { "authReversal" : { "method" : "POST", "href" : "/pts/v2/payments/6461731521426399003473/reversals" }, "self" : { "method" : "GET", "href" : "/pts/v2/payments/6461731521426399003473" }, "capture" : { "method" : "POST", "href" : "/pts/v2/payments/6461731521426399003473/captures" } }, "clientReferenceInformation" : { "code" : "1646173152047" }, "id" : "6461731521426399003473", "orderInformation" : { "amountDetails" : { "authorizedAmount" : "100.00", "currency" : "usd" } }, "paymentAccountInformation" : { "card" : { "type" : "002" } }, "paymentInformation" : { "tokenizedCard" : { "type" : "002" }, "card" : { "type" : "002" } }, "paymentInsightsInformation" : { "responseInsights" : { "categoryCode" : "01" } }, "processorInformation" : { "emsTransactionRiskScore": "84309", "systemTraceAuditNumber" : "862481", "approvalCode" : "831000", "merchantAdvice" : { "code" : "01", "codeRaw" : "M001" }, "responseDetails" : "ABC", "networkTransactionId" : "016153570198200", "consumerAuthenticationResponse" : { "code" : "2", "codeRaw" : "2" }, "transactionId" : "016153570198200", "responseCode" : "00", "avs" : { "code" : "Y", "codeRaw" : "Y" } }, "reconciliationId" : "6461731521426399003473", "status" : "AUTHORIZED", "submitTimeUtc" : "2023-06-09T22:19:12Z" }