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Authorization with Contact EMV and Online PIN

For an EMV chip contact authorization, the customer inserts the card directly into a point-of-sale (POS) terminal. For an online PIN authorization, the customer enters a PIN to verify their identity, and the issuer verifies the PIN.
Online PIN transactions are supported by these card types:
  • Visa
  • Mastercard
  • American Express
  • Discover

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 with Contact EMV and Online PIN

clientReferenceInformation.code
clientReferenceInformation.partner. thirdPartyCertificationNumber
National Australia Bank
 provides the value for this field.
clientReferenceInformation.transactionId
merchantInformation.transactionLocalDateTime
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
paymentInformation.card.type
pointOfSaleInformation.emv.cardSequenceNumber
pointOfSaleInformation.emv.tags
pointOfSaleInformation.encryptedKeySerialNumber
pointOfSaleInformation.encryptedPin
pointOfSaleInformation.entryMode
Set the value to
contact
 for an EMV payment.
pointOfSaleInformation.pinBlockEncodingFormat
pointOfSaleInformation.terminalCapability
Set the value to
4
.
pointOfSaleInformation.terminalPinCapability
pointOfSaleInformation.trackData
processingInformation.commerceIndicator
Set the value to
retail
.

REST Example: Processing an Authorization with Contact EMV and Online PIN

Request
{
  "clientReferenceInformation": {
    "code": "test123",
    "transactionId": "uniqueValue1",
    "partner": {
      "thirdPartyCertificationNumber": "testTPCN"
    }
  },
  "processingInformation": {
    "commerceIndicator": "retail",
    }
  },
  "paymentInformation": {
     "card": {
                "type": "001"
       }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "9900.00",
      "currency": "USD"
    }
  },
  "pointOfSaleInformation": {
    "entryMode": "contact",
    "terminalCapability": 4,
     "terminalPinCapability": 6,
    "emv": {
      "tags": "5F3401019F3303E0F8C8950580800480009F370465B81A3A9F100706011203A0A0009F2608E9D097D1901E8AB99F36020002820218009C01009F1A0208409A032307259F02060000000007005F2A0208409F0306000000000000DF78083831393931303236DF791B322D30323436362D312D31432D5246492D303331332D342E332E62",
      "cardSequenceNumber": "01"
    },
    "trackData": ";4761xxxxxxxxxxxx=251220111478549?",
    "pinBlockEncodingFormat":0,
    "encryptedPin": "F509429A3C3FD201",
    "encryptedKeySerialNumber": "FFFF1B1D140000200001"
  },
  	"merchantInformation": {
		"transactionLocalDateTime": "20230724085022"
	}
}
Response to a Successful Request
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6938891699856080004953/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6938891699856080004953"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6938891699856080004953/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "test123",
    "transactionId": "uniqueValue1"
  },
  "id": "6938891699856080004953",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "9900.00",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "accountFeatures": {
      "category": "A",
      "group": "0"
    },
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "emv": {
      "tags": "9F36020015910AB58D60185BEF0247303072179F180430303031860E04DA9F580903B1BAEDFD1438BA48"
    }
  },
  "processorInformation": {
    "systemTraceAuditNumber": "188535",
    "approvalCode": "831000",
    "networkTransactionId": "016153570198200",
    "retrievalReferenceNumber": "324704188535",
    "transactionId": "016153570198200",
    "responseCode": "00",
    "avs": {
      "code": "2"
    }
  },
  "reconciliationId": "6938891699856080004953",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-09-05T04:46:10Z"
}