Mass Transit Payment Services Using TMS Tokens

You can request these payment services for mass transit using TMS tokens:
  • Authorization for account verification and debt recovery
  • Sale for aggregated fares and debt recovery
  • Stand-alone credit
In the card-present EMV contactless request, include the transient token ID in the
tokenInformation.jti
 field in place of track 2 data.
During the tap token creation request, you can include EMV tag-length-value (TLV) tags in the
paymentInformation.fluidData.value
 field or as part of the payment transaction request within the
pointOfSaleInformation.emv.tags
 field.
If you send EMV tags in the tap token create request, you should not send EMV tags in the payment transaction request.
If EMV TLV tags are present in both the payment transaction and the token vault,
Cybersource
 reads the value provided in the payment transaction in preference to the values stored in the vault.
Mastercard EMV transactions include three field values that can be handled automatically:
  • paymentInformation.card.initiationChannel
  • pointOfSaleInformation.emv.cardSequenceNumber
  • pointOfSaleInformation.serviceCode
Your account can be configured to read these values automatically from the EMV TLV tags and track 2 equivalent. When that option is enabled, do not include those three fields in EMV payment requests.
If any of these values are present in both the separate fields and the EMV TLV and track 2 equivalent,
Cybersource
 reads the value provided in the separate fields rather than the values present in the EMV TLV and track 2 equivalent.
Merchant initiated card-not-present payment requests use the
paymentInformation.instrumentIdentifier.id
 field instead of the card number.

Figure:

Payment Processing with a Token
Diagram that show the flow of payments with tokens.

Mass Transit Mastercard Authorization with a Token

This section describes how to process an authorization with a token.

Endpoint

Test:
POST
https://apitest.cybersource.com
/pts/v2/payments
Production:
POST
https://api.cybersource.com
/pts/v2/payments
Mass Transit Payment Services Using TMS Tokens

Mass Transit Visa Account Verification Request (AVR) with a Token

This section describes how to process a zero amount authorization for a mass transit Visa account verification request (AVR).

Endpoint

Test:
POST
https://apitest.cybersource.com
/pts/v2/payments
Production:
POST
https://api.cybersource.com
/pts/v2/payments
Mass Transit Payment Services Using TMS Tokens

Mass Transit Visa Deferred Sale with a Token

This section describes how to process a Visa deferred sale.
A sale transaction is a bundled authorization and capture. At the end of the travel period, request a Visa deferred sale with a token for an aggregated payment.

Endpoint

Test:
POST
https://apitest.cybersource.com
/pts/v2/payments
Production:
POST
https://api.cybersource.com
/pts/v2/payments
Mass Transit Payment Services Using TMS Tokens

Mass Transit Authorizations for a Tap-Initiated Debt Recovery with a Token

This section describes how to process a tap-initiated authorization for debt recovery with a token.
When a cardholder attempts to use a blocked card at the transit reader, create a fresh debt recovery authorization request using the chip data from the new tap, along with the fare amount of the previous declined authorization.

Endpoint

Test:
POST
https://apitest.cybersource.com
/pts/v2/payments
Production:
POST
https://api.cybersource.com
/pts/v2/payments
Mass Transit Payment Services Using TMS Tokens

Mass Transit Merchant-Initiated Authorizations for Debt Recovery with a Token

This section describes how to process an authorization for a merchant-initiated debt recovery with a token.

Endpoint

Test:
POST
https://apitest.cybersource.com
/pts/v2/payments
Production:
POST
https://api.cybersource.com
/pts/v2/payments
Mass Transit Payment Services Using TMS Tokens

Mass Transit Tap-Initiated Sale for Debt Recovery with a Token

This section describes how to process a tap-initiated sale for debt recovery with a token.
A sale transaction is a bundled authorization and capture. When a cardholder attempts to use a blocked card at the transit reader, create a fresh debt recovery sale request using the chip data from the new tap, along with the fare amount of the previous declined authorization.

Endpoint

Test:
POST
https://apitest.cybersource.com
/pts/v2/payments
Production:
POST
https://api.cybersource.com
/pts/v2/payments
Mass Transit Payment Services Using TMS Tokens

Mass Transit Merchant-Initiated Sale for Debt Recovery with a Token

This section describes how to process a merchant-initiated sale for debt recovery with a token.

Endpoint

Test:
POST
https://apitest.cybersource.com
/pts/v2/payments
Production:
POST
https://api.cybersource.com
/pts/v2/payments
Mass Transit Payment Services Using TMS Tokens

Mass Transit Stand-Alone Credit with a Token

This section describes how to process a stand-alone credit with a token.
A stand-alone credit is a credit that is not linked to a capture. There is no time limit for requesting a stand-alone credit.
When a request for a credit is successful, the issuing bank for the payment card takes money out of your merchant bank account and returns it to the customer. It usually takes two to four days for your acquiring bank to transfer funds from your merchant bank account.
Carefully control access to the credit service. Do not request this service directly from your customer interface. Instead, incorporate this service as part of your customer service process.
WARNING
Follow the preceding guidelines to prevent unauthorized credits.

Endpoint

Test:
POST
https://apitest.cybersource.com
/pts/v2/credits
Production:
POST
https://api.cybersource.com
/pts/v2/credits
Mass Transit Payment Services Using TMS Tokens