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Merchant-Initiated Unscheduled COF Payments with
TMS

After the customer-initiated unscheduled COF payment, you can send merchant-initiated unscheduled COF payments using one or more
TMS
 token types:
Customer
Customer tokens store one or more customer payment instrument tokens and shipping address tokens.
Including a customer token eliminates the need to include billing information, card information, and the previous transaction's ID.
"paymentInformation": {
  "customer": {
    "id": "07C9CA98022DA498E063A2598D0AA400"
  }
}
Payment Instrument
Payment instrument tokens store an instrument identifier token, card information, and billing information. Payment instruments are not linked to a customer token.
Including a payment instrument eliminates the need to include billing information, card information, and the previous transaction's ID. 
"paymentInformation": {
  "paymentInstrument": {
    "id": "07CA24EF20F9E2C9E063A2598D0A8565"
  }
}
Instrument Identifier
Instrument identifier tokens store only a PAN. Including an instrument identifier eliminates the need to include a PAN and the previous transaction's ID.
"paymentInformation": {
  "instrumentIdentifier": {
    "id": "7010000000016241111"
  }
}

Prerequisites

The first transaction in an unscheduled COF payment is a customer-initiated transaction (CIT). Before you can perform a subsequent merchant-initiated transaction (MIT), you must store the customer's credentials for later use. Before you can store the user's credentials, you must get the customer's consent to store their private information. This process is also known as establishing a relationship with the customer.

Supported Card Types

These are the supported card types for processing credentialed transactions:
  • American Express
  • Mastercard
  • Visa

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 MIT Unscheduled COF Payments with
TMS

Include these Required Fields

orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
paymentInformation.[tokentype].id
Where
[tokentype]
 is the
TMS
 token type you are using:
  • customer
  • instrumentIdentifier
  • paymentInstrument
processingInformation. authorizationOptions. initiator. merchantInitiatedTransaction.reason
Set to
10
.
Required only for
American Express,
Discover, and Mastercard.
processingInformation.commerceIndicator
Set to
internet
.

Instrument Identifier Required Fields

If you are using the
paymentInformation.instrumentIdentifier.id
 token, include these required fields in addition to the required fields listed above.
orderInformation.billTo.address1
orderInformation.billTo.administrativeArea
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.phoneNumber
orderInformation.billTo.postalCode
paymentInformation.card.expirationMonth
paymentInformation.card.expirationYear

Card-Specific Field

The listed card type requires an additional field.
Discover
processingInformation.authorizationOptions.initiator. merchantInitiatedTransaction.originalAuthorizedAmount
Provide the original transaction amount.

Country-Specific Fields

Include these country-specific required fields for a successful merchant-initiated authorization.
India
These fields are required only with Diners Club in India or with an India-issued card, and you are processing payments through
VDC National Australia Bank Ltd
.
installmentInformation.amount
installmentInformation.frequency
installmentInformation.identifier
installmentInformation.paymentType
installmentInformation.sequence
installmentInformation.validationIndicator
Saudi Arabia
These fields are required only if your business is located in Saudi Arabia and you are processing payments through
VDC National Australia Bank Ltd
.
authorizationOptions.initiator.merchantInitiatedTransaction.agreementId
recurringPaymentInformation.amountType

Example: MIT Unscheduled COF Payment with TMS Instrument Identifier

Request
{
  "processingInformation": {
    "commerceIndicator": "internet"
  },
  "paymentInformation": {
    "card": {
      "expirationMonth": "12",
      "expirationYear": "2031"
    },
    "instrumentIdentifier": {
      "id": "7010000000016241111"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "102.21",
      "currency": "USD"
    },
    "billTo": {
      "firstName": "John",
      "lastName": "Doe",
      "address1": "1 Market St",
      "locality": "san francisco",
      "administrativeArea": "CA",
      "postalCode": "94105",
      "country": "US",
      "email": "",
      "phoneNumber": "4158880000"
    }
  }
}
Response to a Successful Request
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6976892714556134003954/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6976892714556134003954"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6976892714556134003954/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "1697689271513"
  },
  "id": "6976892714556134003954",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "102.21",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "instrumentIdentifier": {
      "id": "7010000000016241111",
      "state": "ACTIVE"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "111111"
  },
  "processingInformation": {
    "paymentSolution": "015"
  },
  "processorInformation": {
    "paymentAccountReferenceNumber": "V0010013022298169667504231315",
    "approvalCode": "888888",
    "networkTransactionId": "123456789619999",
    "transactionId": "123456789619999",
    "responseCode": "100",
    "avs": {
      "code": "X",
      "codeRaw": "I1"
    }
  },
  "reconciliationId": "62699554NNMR6X7R",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-10-19T04:21:11Z"
}

Example: MIT Unscheduled COF Payment with TMS Payment Instrument

Request
{
  "processingInformation": {
    "commerceIndicator": "internet"
  },
  "paymentInformation": {
    "paymentInstrument": {
      "id": "080AE120369A7947E063A2598D0A718F"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "102.21",
      "currency": "USD"
    }
  }
}
Response to a Successful Request
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6976891300676431103955/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6976891300676431103955"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6976891300676431103955/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "1697689130124"
  },
  "id": "6976891300676431103955",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "102.21",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "instrumentIdentifier": {
      "id": "7010000000016241111",
      "state": "ACTIVE"
    },
    "paymentInstrument": {
      "id": "080AE120369A7947E063A2598D0A718F"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "111111"
  },
  "processingInformation": {
    "paymentSolution": "015"
  },
  "processorInformation": {
    "paymentAccountReferenceNumber": "V0010013022298169667504231315",
    "approvalCode": "888888",
    "networkTransactionId": "123456789619999",
    "transactionId": "123456789619999",
    "responseCode": "100",
    "avs": {
      "code": "X",
      "codeRaw": "I1"
    }
  },
  "reconciliationId": "62699372XNMR85HS",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-10-19T04:18:50Z"
}

Example: MIT Unscheduled COF Payment with TMS Customer

Request
{
  "processingInformation": {
    "commerceIndicator": "internet"
  },
  "paymentInformation": {
    "customer": {
      "id": "080AC9AB60C92AA2E063A2598D0A0C74"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "102.21",
      "currency": "USD"
    }
  }
}
Response to a Successful Request
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6976889582016147703955/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6976889582016147703955"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6976889582016147703955/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "1697688958296"
  },
  "id": "6976889582016147703955",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "102.21",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "instrumentIdentifier": {
      "id": "7010000000016241111",
      "state": "ACTIVE"
    },
    "paymentInstrument": {
      "id": "080AE6DB37B09557E063A2598D0AA4C9"
    },
    "card": {
      "type": "001"
    },
    "customer": {
      "id": "080AC9AB60C92AA2E063A2598D0A0C74"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "111111"
  },
  "processingInformation": {
    "paymentSolution": "015"
  },
  "processorInformation": {
    "paymentAccountReferenceNumber": "V0010013022298169667504231315",
    "approvalCode": "888888",
    "networkTransactionId": "123456789619999",
    "transactionId": "123456789619999",
    "responseCode": "100",
    "avs": {
      "code": "X",
      "codeRaw": "I1"
    }
  },
  "reconciliationId": "62699842BNN13VA0",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-10-19T04:15:58Z"
}