API Overview

Payments Developer Guide
- Recent Revisions to This Document

Introduction to Payments
- Financial Institutions and Payment Networks
- Card Types
- Transaction Types
- Payment Services
  - Authorization
    - Micropayment Authorization
    - Online Authorization
    - Offline Authorization
    - Pre-Authorization
    - Payment Network Token Authorization
    - Authorization Workflow
  - Sale
    - Dual-Message Processing
      - Partial Authorizations
    - Single-Message Processing
  - Authorization Reversal
  - Automatic Partial Authorization Reversal
  - Capture
    - Capture Workflow
  - Credit
    - Credit Workflow
  - Void
- Payment Features
  - Debit and Prepaid Card Payments
  - Airline Data
    - Cybersource Airline Data Processing
    - Airline Data Reference Information
      - Airline Document Type Codes
      - Ancillary Service Category Codes
  - Payer Authentication
  - Relaxed Requirements for Address Data and Expiration Date in Payment Transactions
  - Introduction to Credentialed Transactions
  - Visa Bill Payments
  - Visa Consumer Bill Payments
- Testing the Payment Services
  - Requirements for Testing
  - Test Card Numbers
  - Using Amounts to Simulate Errors
  - Test American Express Card Verification

Debit and Prepaid Card Processing
- Additional Resources for Debit and Prepaid Payments
- Processing Debit and Prepaid Authorizations
- Enabling Debit and Prepaid Partial Authorizations
- Disabling Debit and Prepaid Partial Authorizations

Airline Data Processing
- Airline Travel Legs
- Authorize a Payment
- Capture a Ticket Payment
- Capture an Ancillary Purchase
- Issue a Follow-On Credit

Payer Authentication Processing
- Additional Resources for Payer Authentication
- Providing Payer Authentication Information for Authorization
- American Express SafeKey
- Mastercard Identity Check
- Visa Secure

Relaxed Requirements for Address Data and Expiration Date in Payment Transactions

Processing Payments Using Credentials
- Additional Resources for Credentialed Transactions
- Customer-Initiated Transactions with Credentials on File
  - Storing Customer Credentials with a CIT and PAN
  - Using Stored Customer Credentials During a CIT
- Reauthorization Transaction
  - Merchant-Initiated Reauthorization Transactions with PAN
- Installment Payments
  - Customer-Initiated Installment Payments with PAN
  - Merchant-Initiated Installment Payments with PAN
- Recurring Payments
  - Customer-Initiated Recurring Payment with PAN
  - Merchant-Initiated Recurring Payments with PAN
- Mastercard Standing Order Payments
  - Mastercard Initial CIT Standing Order Payment
- Mastercard Subscription Payments
  - Mastercard CIT Initial Subscription Payment
- Unscheduled COF Payments
  - Customer-Initiated Unscheduled COF Payment with PAN
  - Merchant-Initiated Unscheduled COF Payment with PAN

Visa Bill Payments Processing
- Visa Bill Payments Authorizations
- Visa Bill Payments Captures

Visa Consumer Bill Payment Processing

On This Page

Debit and Prepaid Card Payments

Debit cards are linked to a cardholder's checking account. The funds are taken out of the customer's bank account, and the transaction is included on the customer's bank account statement. The customer does not receive a credit card bill as with a regular credit card.

You can process debit cards using these services:

Credit card services

PIN debit services

Partial authorizations, which are a special feature available for debit cards

Balance inquiries, which are a special feature available for debit cards

Related Information

See Standard Payment Processing for information that shows you how to use credit card services.

See Debit and Prepaid Card Processing for information that shows you how to process authorizations that use a debit or prepaid card.

PIN Debit Processing
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