On This Page

Validating and Authorizing a Transaction

The Validation service can be combined with the Authorization service so that when a customer's authentication is validated, the transaction is automatically submitted for authorization.

Fields Specific to a Visa Secure Transaction

These API fields are required specifically for this use case.

processingInformation.commerceIndicator
: Set this field to
vbv
for a successful authentication (EMV 3-D Secure value of
05
),
vbv_attempted
if authentication was attempted but did not succeed (EMV 3-D Secure value of
06
), or
vbv_failure
if authentication failed (EMV 3-D Secure value of
07
).
consumerAuthenticationInformation.cavv: This field is required when payer authentication is successful.

Card-Specific Requirements

Some payment cards require information to be collected during a transaction.

consumerAuthenticationInformation. defaultCard
consumerAuthenticationInformation.mcc
consumerAuthenticationInformation. productCode: This field is required for American Express SafeKey (US) when the product code is
AIR
for an airline purchase.
: merchantInformation. merchantDescriptor.name; This field is required for Visa Secure travel.
orderInformation.shipTo.address1: This field is required only for American Express SafeKey (US).
orderInformation.shipTo.address2: This field is required only for American Express SafeKey (US).

Country-Specific Requirements

These fields are required for transactions in specific countries.

consumerAuthenticationInformation. merchantScore: This field is required for transactions processed in France.
orderinformation.billTo.locality: This field is required for transactions in the US and Canada.
orderInformation.billTo.postalCode: This field is required when the
orderInformation.billTo.country
field value is
US
or
CA
.
orderInformation.billTo.administrativeArea: This field is required for transactions in the US and Canada.

Endpoint

Production:

POST https://nabgateway-api.nab.com.au/pts/v2/payments

Test:

POST https://nabgateway-api-test.nab.com.au/pts/v2/payments

Required Fields for Processing an Authorization Using Visa Secure

clientReferenceInformation.code
consumerAuthenticationInformation.cavv: This field is required when payer authentication is successful. Otherwise, this field is optional.
consumerAuthenticationInformation.xid
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.administrativeArea
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.postalCode
paymentInformation.card.expirationMonth
paymentInformation.card.expirationYear
paymentInformation.card.number
paymentInformation.card.type
processingInformation.commerceIndicator: Set this field to one of these values:
vbv
: Successful authentication (EMV 3-D Secure value of
05
).
vbv_attempted
: Authentication was attempted (EMV 3-D Securevalue of
06
).
vbv_failure
: or
internet
: Authentication failed or was not attempted (EMV 3-D Secure value of
07
).

REST Example: Validating and Authorizing a Transaction

Request

{
    "clientReferenceInformation": {
        "code": "test"
    },
    "processingInformation": {
        "capture": "true",
        "authorizationOptions": {
            "ignoreAvsResult": "true"
        },
        "actionList": [
            "VALIDATE_CONSUMER_AUTHENTICATION"
        ]
    },
    "paymentInformation": {
        "card": {
            "expirationYear": "2031",
            "number": "4XXXXXXXXXXX25X3",
            "securityCode": "123",
            "expirationMonth": "12",
            "type": "001"
        }
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "100.00",
            "currency": "GBP"
        },
        "billTo": {
            "firstName": "John",
            "lastName": "Smith",
            "address1": "201 S. Division St._1",
            "address2": "Suite 500",
            "locality": "Foster City",
            "administrativeArea": "CA",
            "postalCode": "94404",
            "country": "US",
            "email": "[email protected]",
            "phoneNumber": "6504327113"
        }
    },
    "consumerAuthenticationInformation": {
        "authenticationTransactionId": "2b4eAa4K3H778X34Ciy0"
    }
}

Response to a Successful Request

{
    "_links": {
        "void": {
            "method": "POST",
            "href": "/pts/v2/payments/7478305945626990404807/voids"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/7478305945626990404807"
        }
    },
    "clientReferenceInformation": {
        "code": "test"
    },
    "consumerAuthenticationInformation": {
        "indicator": "vbv",
        "eciRaw": "05",
        "authenticationResult": "0",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "authenticationStatusMsg": "Success",
        "eci": "05",
        "token": "Axj//wSTlWZX08jkcOTHAAIU3YMmzhgzcN2ie/LXsgSgKe/LXsgS50OnEFBWGTSTL0Yua1eAwHScqzK+nkcjhyY4wDi0",
        "cavv": "AAIBBYNoEwAAACcKhAJkdQAAAAA=",
        "paresStatus": "Y",
        "xid": "AAIBBYNoEwAAACcKhAJkdQAAAAA=",
        "directoryServerTransactionId": "fa628ed8-ad77-4723-b28f-91952eaca8fe",
        "threeDSServerTransactionId": "71399671-8456-4c97-b056-e127622a5e26",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "5f9fb589-08cc-4952-866d-30939868f411"
    },
    "id": "7478305945626990404807",
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "100.00",
            "authorizedAmount": "100.00",
            "currency": "GBP"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "brandName": "VISA",
            "type": "001"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "001"
        },
        "card": {
            "bin": "400000",
            "type": "VISA"
        }
    },
    "pointOfSaleInformation": {
        "terminalId": "12345678"
    },
    "processorInformation": {
        "paymentAccountReferenceNumber": "V0010013018036776997406844475",
        "merchantNumber": "12345678",
        "approvalCode": "100",
        "cardVerification": {
            "resultCodeRaw": "3",
            "resultCode": "2"
        },
        "merchantAdvice": {
            "code": "00",
            "codeRaw": "0"
        },
        "networkTransactionId": "123456789012345",
        "transactionId": "123456789012345",
        "responseCode": "0",
        "avs": {
            "code": "U",
            "codeRaw": "00"
        }
    },
    "reconciliationId": "7026803874",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2025-05-21T12:29:54Z"
}