API Overview

Payments Developer Guide
- Recent Revisions to This Document
- VISA Platform Connect: Specifications and Conditions for Resellers/Partners

Introduction to Payments
- Financial Institutions and Payment Networks
  - Merchant Financial Institutions (Acquirers)
  - Customer Financial Institutions (Issuers)
  - Payment Networks
  - Payment Processors
    - VDC National Australia Bank Ltd Acquirers
- Card Types
  - Co-Branded Cards
  - Credit Cards
  - Debit Cards
  - Prepaid Cards
  - Private Label Cards
  - Quasi-Cash
- Transaction Types
  - Card-Not-Present Transactions
  - Card-Present Transactions
  - Authorizations with Card Verification Numbers
    - CVN Locations and Terminology
  - Token Management Service
- Payment Services
  - Authorizations
    - Online Authorizations
    - Offline Authorizations
    - Pre-Authorizations
    - Payment Network Token Authorizations
    - Authorization Workflow
  - Sales
    - Dual-Message Processing
      - Partial Authorizations
    - Single-Message Processing
  - Authorization Reversals
  - Captures
    - Capture Workflow
  - Credits
    - Credit Workflow
  - Voids
- Payment Features
  - Card-Present Authorizations
  - Debit and Prepaid Card Payments
  - Airline Data
    - National Australia Bank Airline Data Processing
    - Airline Travel Legs
    - Airline Data Reference Information
      - Airline Document Type Codes
      - Ancillary Service Category Codes
  - Interchange Optimization
  - Japanese Payment Options
  - Level II and Level III Data
  - Mastercard Bill Payments
  - Mastercard Expert Monitoring Solutions
  - Payer Authentication
  - Relaxed Requirements for Address Data and Expiration Date in Payment Transactions
  - Introduction to Credentialed Transactions
  - Token Management Service
- Testing the Payment Services
  - Requirements for Testing
  - Test Card Numbers
  - Using Amounts to Simulate Errors
  - Test American Express Card Verification

Standard Payment Processing
- Basic Authorizations
  - Declined Authorizations
  - Required Fields for Processing a Basic Authorization
  - REST Example: Processing a Basic Authorization
- Authorizations with Line Items
  - Required Fields for Processing an Authorization with Line Items
  - REST Example: Processing an Authorization with Line Items
- Authorizations with Payment Network Tokens
  - Required Fields for Authorizations with Payment Network Tokens
  - Optional Fields for Authorizations with Payment Network Tokens
  - REST Example: Authorizations with Payment Network Tokens
- Authorizations with a Card Verification Number
  - Required Fields for Processing an Authorization with a Card Verification Number
  - Optional Fields for Processing an Authorization with a Card Verification Number
  - REST Example: Processing an Authorization with a Card Verification Number
- Marketplace Authorizations with Foreign Retailers
  - Required Fields for Processing a Marketplace Authorization with a Foreign Retailer
  - REST Example: Processing an Marketplace Authorization with a Foreign Retailer
- Authorizations with Strong Customer Authentication Exemption
  - Required Fields for Processing an Authorization with an SCA Exemption
  - REST Example: Processing an Authorization with an SCA Exemption for Low-Value Transactions
- Zero Amount Authorizations
  - Required Fields for Processing a Zero Amount Authorization
    - Country-Specific Required Fields for Processing a Zero Amount Authorization
  - REST Example: Processing a Zero Amount Authorizations
- Pre-Authorizations
  - Required Fields for a Pre-Authorization
    - Country-Specific Required Fields for Processing a Pre-Authorization
  - REST Example: Processing a Pre-Authorization
- Incremental Authorizations
  - Required Fields for Processing an Incremental Authorization
    - Country-Specific Required Fields for Processing an Incremental Authorization
  - Optional Field for Processing an Incremental Authorization
  - REST Example: Processing an Incremental Authorization
- Final Authorization Indicator
  - Requirements for Final Authorizations
  - Pre-Authorizations
  - Unmarked Authorizations
    - Requirements for Unmarked Authorizations
  - Undefined Authorizations
    - Requirements for Undefined Authorizations
  - Required Fields for Final Authorizations
  - REST Example: Final Authorizations
- Authorization Reversal
  - Required Fields for Processing an Authorization Reversal
  - REST Example: Processing an Authorization Reversal
- Timeout Authorization Reversals
  - Required Fields for Processing a Timeout Authorization Reversal
  - REST Example: Processing a Timeout Authorization Reversal
- Sales
  - Required Fields for Processing a Sale
  - REST Example: Processing a Sale
- Sales with Payment Network Tokens
  - Required Fields for Sales with Payment Network Tokens
  - Optional Fields for Sales with Payment Network Tokens
  - REST Example: Sales with Payment Network Tokens
- Captures
  - Required Fields for Capturing an Authorization
  - REST Example: Capturing an Authorization
  - Capturing an Authorization Using REST APIs
- Marketplace Captures with Foreign Retailers
  - Required Fields for Capturing an Authorization with a Foreign Retailer
  - REST Example: Capturing a Marketplace Authorization with a Foreign Retailer
- Multiple Partial Captures
  - Required Fields for Processing Multiple Partial Captures
  - REST Example: Processing Multiple Partial Captures
- Forced Captures
  - Required Fields for Forced Captures
  - REST Example: Forced Captures
- Refunds
  - Required Fields for Processing a Refund
  - REST Example: Processing a Refund
- Credits
  - Required Fields for Processing a Credit
  - REST Example: Processing a Credit
- Voids for Capture or Credit
  - Required Fields for Processing a Void
  - REST Example: Processing a Void
- Timeout Voids for a Capture, Sale, Refund, or Credit
  - Required Fields for Processing a Timeout Void for a Capture, Sale, Refund, or Credit
  - REST Example: Processing a Timeout Void for a Capture, Sale, Refund, or Credit

Card Present Connect | Retail Processing
- Retail EMV and Card Data
- Authorization with Contact EMV and Online PIN
  - Required Fields for Processing an Authorization with Contact EMV and Online PIN
  - REST Example: Processing an Authorization with Contact EMV and Online PIN
- Authorization with Contact EMV and Offline PIN
  - Required Fields for Processing an Authorization with Contact EMV and Offline PIN
  - REST Example: Processing an Authorization with Contact EMV and Offline PIN
- Authorization with Contactless EMV and Online PIN
  - Required Fields for Processing an Authorization with Contactless EMV and Online PIN
  - REST Example: Processing an Authorization with Contactless EMV and Online PIN
- Authorization with Magnetic Stripe Swipe
  - Required Fields for Processing an Authorization with Swiped Track Data
  - REST Example: Processing an Authorization with Swiped Track Data
- Authorizations with Hand-Keyed Data
  - Required Fields for Processing an Authorization with Hand-Keyed Data
  - REST Example: Processing an Authorization with Hand Keyed Data
- Authorization for Cash Advance with Credit Card
  - Required Fields for Authorization for Cash Advance with Credit Card
  - REST Example: Authorization for Cash Advance with Credit Card
- Captures
  - Required Fields for Capturing an Authorization
  - Capturing an Authorization Using REST APIs
  - REST Example: Capturing an Authorization

Card Present Connect | Mass Transit Processing
- American Express Account Status Check Authorization with EMV Data
  - Required Fields for a American Express Account Status Check AVR Authorization with EMV Data Using the REST API
  - REST Example: American Express Account Status Check Authorization with EMV Data
- American Express Delayed Online Authorization with EMV Data
  - Required Fields for a American Express Delayed Online Authorization with EMV Data Using the REST API
  - REST Example: American Express Delayed Online Authorization with EMV Data
- Discover Authorization with EMV Data
  - Required Fields for a Discover Authorization with EMV Data Using the REST API
  - REST Example: Discover Authorization with EMV Data
- Mastercard Authorization with EMV Data
  - Required Fields for a Mastercard Authorization with EMV Data Using the REST API
  - REST Example: Mastercard Authorization with EMV Data
- Visa Account Verification Request (AVR) with EMV Data
  - Required Fields for a Visa AVR Authorization with EMV Data Using the REST API
  - REST Example: Visa AVR Authorization with EMV Data
- Discover Sale with EMV Data
  - Required Fields for a Discover Sale with EMV Data Using the REST API
  - REST Example: Discover Sale with EMV Data
- Visa Deferred Sale with EMV Data
  - Required Fields for a Visa Deferred Sale with EMV Data Using the REST API
  - REST Example: Visa Deferred Sale with EMV Data
- Tap-Initiated Authorization for Debt Recovery with EMV Data
  - Required Fields for a Tap-Initiated Authorization for Debt Recovery with EMV Data Using the REST API
  - REST Example: Tap-Initiated Authorization for Debt Recovery with EMV Data
- Merchant-Initiated Authorizations for Debt Recovery with Stored Card Data
  - Required Fields for a Merchant-Initiated Authorization for Debt Recovery with Stored Card Data Using the REST API
  - REST Example: Merchant-Initiated Authorization for Debt Recovery with Stored Card Data
- Tap-Initiated Sale for Mastercard Debt Recovery with EMV Data
  - Required Fields for a Tap-Initiated Sale for Mastercard Debt Recovery with EMV Data Using the REST API
  - REST Example: Tap-Initiated Sale for Mastercard Debt Recovery with EMV Data
- Tap-Initiated Sale for Visa Debt Recovery with EMV Data
  - Required Fields for a Tap-Initiated Sale for Visa Debt Recovery with EMV Data Using the REST API
  - REST Example: Tap-Initiated Sale for Visa Debt Recovery with EMV Data
- Merchant-Initiated Sale for Debt Recovery with Stored Card Data
  - Required Fields for a Merchant-Initiated Sale for Debt Recovery with Stored Card Data Using the REST API
  - REST Example: Merchant-Initiated Sale for Debt Recovery with Stored Card Data
- Credit with a Token
  - Required Fields for a Credit with a Token Using the REST API
  - REST Example: Credit with a Token
- Capture an Authorization
  - Required Fields for a Mass Transit Capture
  - REST Example: Capture an Authorization
- Authorization Reversal
  - Required Fields for a Mass Transit Authorization Reversal
  - REST Example: Reversing a Mass Transit Authorization
- Timeout Reversal
  - Required Fields for a Timeout Reversal
  - REST Example: Timeout Reversal
- Timeout Void
  - Required Field for a Timeout Void
  - REST Example: Timeout Void

Debit and Prepaid Card Processing
- Processing Debit and Prepaid Authorizations
  - Required Fields for Processing Debit and Prepaid Authorizations
    - Country Specific Required Fields to Process Debit and Prepaid Authorizations
  - Optional Field for Processing Debit and Prepaid Authorizations
  - REST Example: Processing Debit and Prepaid Authorizations
- Enabling Debit and Prepaid Partial Authorizations
  - Required Fields for Enabling Debit and Prepaid Partial Authorizations
  - Optional Field for Enabling Debit and Prepaid Partial Authorizations
  - REST Example: Enabling Debit and Prepaid Partial Authorizations
- Disabling Debit and Prepaid Partial Authorizations
  - Required Field for Disabling Debit and Prepaid Partial Authorizations
  - Optional Field for Disabling Debit and Prepaid Partial Authorizations
  - REST Example: Disabling Debit and Prepaid Partial Authorizations

Airline Data Processing
- Airline Travel Legs
- Authorizations
  - Required Fields for Authorizing an Airline Payment
  - REST Example: Authorizing an Airline Payment
- Captures for Ticket Purchases
  - Required Fields for Capturing an Airline Payment
    - Card-Specific Field to Capture an Airline Payment
  - Optional Fields for Capturing an Airline Payment
  - REST Example: Capturing an Airline Payment
- Captures for Ancillary Purchases
  - Required Fields for Capturing an Authorization for Ancillary Purchases
  - Ancillary Fields for Capturing an Authorization for an Ancillary Purchase
  - REST Example: Capturing an Authorization for an Ancillary Purchase
- Refunds
  - Required Fields for Processing an Airline Refund
  - Optional Fields for Processing an Airline Refund
  - REST Example: Processing an Airline Refund
- Credits
  - Required Fields for Processing an Airline Credit
  - Optional Fields for Processing an Airline Credit
  - REST Example: Processing an Airline Credit

Japanese Payment Options Processing
- Authorize a Single Payment with Japanese Payment Options
  - Required Fields for Authorizing a Single Payment Using the JPO Method
  - REST Example: Authorizing a JPO Single Payment
- Authorize a Bonus Payment with Japanese Payment Options
  - Required Fields for Authorizing a JPO Bonus Payment
  - REST Example: Authorizing a JPO Bonus Payment
- Authorize an Installment Payment with Japanese Payment Options
  - Required Fields for Authorizing a JPO Installment Payment
  - REST Example: Authorizing a JPO Installment Payment
- Authorize a Revolving Payment with Japanese Payment Options
  - Required Fields for Authorizing a Revolving Payment Using the JPO Method
  - REST Example: Authorizing a JPO Revolving Payment
- Authorize a Combination Payment with Japanese Payment Options
  - Required Fields for Authorizing a Combination Payment Using the JPO Method
  - REST Example: Authorizing a JPO Combination Payment

Level II Processing
- Captures with Level II Data
  - Required Fields for Capturing a Payment with Level II Data
  - Optional Fields for Capturing a Payment with Level II Data
  - REST Example: Capturing a Payment with Level II Data
- Credits with Level II Data
  - Required Fields for Processing a Credit with Level II Data
  - Optional Fields for Processing a Credit with Level II Data
  - REST Example: Processing a Credit with Level II Data
- Sales with Level II Data
  - Required Fields for Processing a Sale with Level II Data
  - Optional Fields for Processing a Sale with Level II Data
  - REST Example: Processing a Sale with Level II Data

Level III Processing
- Captures with Level III Data
  - Required Fields for Capturing a Payment with Level III Data
  - Optional Fields for Capturing a Payment with Level III Data
  - REST Example: Capturing a Payment with Level III Data
- Credits with Level III Data
  - Required Fields for Processing a Credit with Level III Data
  - Optional Fields for Processing a Credit with Level III Data
  - REST Example: Processing a Credit with Level III Data
- Sales with Level III Data
  - Required Fields for Processing a Sale with Level III Data
  - Optional Fields for Processing a Sale with Level III Data
  - REST Example: Processing a Sale with Level III Data

Mastercard Processing
- Mastercard Bill Payment Processing
  - Required Fields for Authorizing a Mastercard Bill Payment
  - REST Example: Authorizing a Mastercard Bill Payment
- Mastercard Expert Monitoring Solutions Processing
  - Required Fields for Processing an Authorization with Mastercard Expert Monitoring Solutions
  - Response Field for Authorizations with Mastercard Expert Monitoring Solutions
  - REST Example: Obtaining the Mastercard Fraud Score for an Authorization

Payer Authentication Processing
- Providing Payer Authentication Information for Authorization
- American Express SafeKey
  - Required Fields for Processing an Authorization Using American Express SafeKey
  - Optional Field for Processing an Authorization Using American Express SafeKey
  - REST Example: Processing an Authorization Using American Express SafeKey
- JCB J/Secure
  - Required Fields for Processing an Authorization Using JCB J/Secure Authentication
  - REST Example: Processing an Authorization Using JCB J/Secure Authentication
- Mastercard Identity Check
  - Required Fields for Processing an Authorization Using Mastercard Identity Check
  - REST Example: Processing an Authorization Using Mastercard Identity Check
- Visa Secure
  - Required Fields for Processing an Authorization Using Visa Secure
  - REST Example: Validating and Authorizing a Transaction

Relaxed Requirements for Address Data and Expiration Date in Payment Transactions
- Requirements
- Services
- Relaxed Fields

Processing Payments Using Credentials
- Customer-Initiated Transactions with Credentials on File
  - Storing Customer Credentials with a CIT and PAN
    - Required Fields for Storing Customer Credentials During a CIT
    - REST Example: Storing Customer Credentials During a CIT
  - Storing Customer Credentials with a CIT and TMS
    - Required Fields for Storing Customer Credentials with a CIT and TMS
    - REST Example: Storing Customer Credentials with a CIT and TMS
  - Retrieving Stored Customer Credentials During a CIT
    - Required Fields for Retrieving Customer Credentials During a Customer-Initiated Transaction
      - Card-Specific Required Field for Retrieving Customer Credentials During a CIT
    - REST Example: Retrieving Customer Credentials During a CIT
- Delayed Transaction
  - Merchant-Initiated Delayed Transaction with PAN
    - Required Fields for Processing a Merchant-Initiated Delayed Transaction
      - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
    - REST Example: Processing a Merchant-Initiated Delayed Authorization Transaction
  - Merchant-Initiated Delayed Transaction with TMS
    - Required Fields for MIT Delayed Transaction with TMS
    - Example: MIT Delayed Transaction with TMS Instrument Identifier
    - Example: MIT Delayed Transaction with TMS Payment Instrument
    - Example: MIT Delayed Transaction with TMS Customer token
- Incremental Transaction
  - Merchant-Initiated Incremental Transaction with PAN
    - Required Fields for Processing Merchant-Initiated Incremental Transactions
      - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
    - REST Example: Processing Merchant-Initiated Incremental Transactions
  - Merchant-Initiated Incremental Transaction with TMS
    - Required Fields for MIT Incremental Transaction with TMS
    - Example: MIT Incremental Transaction with a TMS Instrument Identifier
    - Example: MIT Incremental Transaction with a TMS Payment Instrument
    - Example: MIT Incremental Transaction with a TMS Customer token
- No-Show Transactions
  - Merchant-Initiated No-Show Transactions with PAN
    - Required Fields for Processing Merchant-Initiated No-Show Charges
      - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
    - Optional Field for Processing Merchant-Initiated No-Show Charges
    - REST Example: Processing Merchant-Initiated No-Show Transactions
  - Merchant-Initiated No-Show Transaction with TMS
    - Required Fields for MIT No-Show Transaction with TMS
    - Example: MIT No-Show Transaction with a TMS Instrument Identifier
    - Example: MIT No-Show Transaction with a TMS Payment Instrument
    - Example: MIT No-Show Transaction with a TMS Customer
- Reauthorization Transaction
  - Merchant-Initiated Reauthorization Transactions with PAN
    - Required Fields for Processing Merchant-Initiated Reauthorized Transactions
      - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
    - REST Example: Processing a Merchant-Initiated Reauthorized Transaction
  - Merchant-Initiated Reauthorization Transactions with TMS
    - Required Fields for MIT Reauthorization Transaction with TMS
    - Example: MIT Reauthorization Transaction with a TMS Instrument Identifier
    - Example: MIT Reauthorization Transaction with a TMS Payment Instrument
    - Example: MIT Reauthorization Transaction with a TMS Customer
- Resubmission Transaction
  - Merchant-Initiated Resubmission Transaction with PAN
    - Required Fields for Processing a Merchant-Initiated Resubmitted Transaction
      - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
    - REST Example: Processing a Merchant-Initiated Resubmitted Transaction
  - Merchant-Initiated Resubmission Transaction with TMS
    - Required Fields for MIT Resubmission Transaction with TMS
    - Example: MIT Resubmission Transaction with a TMS Instrument Identifier
    - Example: MIT Resubmission Transaction with a TMS Payment Instrument
    - Example: MIT Reauthorization Transaction with a TMS Customer
- Installment Payments
  - Customer-Initiated Installment Payments with PAN
    - Required Fields for Initial Customer-Initiated Installment Payments with a PAN
    - REST Example: Authorizing Initial Customer-Initiated Installment Payments with a PAN
  - Customer-Initiated Installment Payment with TMS
    - Required Fields for CIT Installment Payments with TMS
    - REST Example: CIT Installment Payment with TMS
  - Customer-Initiated Installment Payment with Enrollable Network Tokens
    - Required Fields for a CIT Installment Payment with Enrollable Network Tokens
    - Example: CIT Installment Payments with Enrollable Network Tokens
  - Merchant-Initiated Installment Payments with PAN
    - Required Fields for Authorizing Merchant-Initiated Subsequent Installment Payments
      - Card-Specific Required Field for Retrieving Customer Credentials During a CIT
      - Country-Specific Required Fields for Installment Payments with Mastercard or Visa Card
      - India-Specific Required Fields for Installment Payments
    - REST Example: Authorizing Merchant-Initiated Subsequent Installment Payments
  - Merchant-Initiated Installment Payment with TMS
    - Required Fields for MIT Installment Payments with TMS
      - Card-Specific Required Field for Retrieving Customer Credentials During a CIT
      - Country-Specific Required Fields for Installment Payments with Mastercard or Visa Card
      - India-Specific Required Fields for Installment Payments
    - Example: MIT with TMS Instrument Identifier Token
- Recurring Payments
  - Customer-Initiated Recurring Payment with PAN
    - Required Fields for Authorizing a Customer-Initiated Recurring Payment with PAN
    - REST Example: Authorizing a Customer-Initiated Recurring Payment with a PAN
  - Customer-Initiated Recurring Payment with TMS
    - Required Fields for Authorizing a Customer-Initiated Recurring Payment with TMS
    - REST Example: Authorizing a Customer-Initiated Recurring Payment with TMS
  - Customer-Initiated Recurring Payment with Enrollable Network Tokens
    - Required Fields for Authorizing a Customer-Initiated Recurring Payments with Enrollable Network Tokens
    - REST Example: Authorizing a Customer-Initiated Recurring Payment with Enrollable Network Tokens
  - Merchant-Initiated Recurring Payments with PAN
    - Required Fields for Authorizing a Merchant-Initiated Recurring Payment
      - Card-Specific Required Fields for Authorizing Subsequent Recurring Payments
      - Country-Specific Required Fields for Authorizing Subsequent Recurring Payments
    - REST Example: Authorizing a Merchant-Initiated Recurring Payment
  - Merchant-Initiated Recurring Payments with TMS
    - Required Fields for Authorizing a Merchant-Initiated Recurring Payments with TMS
    - REST Example: Authorizing a Merchant-Initiated Recurring Payment with a TMS Instrument Identifier
    - REST Example: Authorizing a Merchant-Initiated Recurring Payment with TMS Payment Instrument
    - REST Example: Authorizing a Merchant-Initiated Recurring Payment with a TMS Customer Token
- Mastercard Standing Order Payments
  - Mastercard Initial CIT Standing Order Payment
    - Required Fields for Authorizing Initial CIT Standing Order Payments
    - REST Example: Authorizing Initial CIT Standing Order Payments
  - Mastercard Initial CIT Standing Order Payment with TMS
    - Required Fields for Authorizing Initial CIT Standing Order Payments with TMS
    - REST Example: Authorizing Initial CIT Standing Order Payments with TMS
- Mastercard Subscription Payments
  - Mastercard CIT Initial Subscription Payment
    - Required Fields for Authorizing CIT Initial Subscription Payments
    - REST Example: Authorizing Initial CIT Subscription Payments
  - Mastercard CIT Initial Subscription Payment with TMS
    - Required Fields for Authorizing CIT Initial Subscription Payments with TMS
    - REST Example: Authorizing Initial CIT Subscription Payments with TMS
- Unscheduled COF Payments
  - Customer-Initiated Unscheduled COF Payment with PAN
    - Required Fields for a Customer-Initiated Unscheduled COF Payment with PAN
    - REST Example: Customer-Initiated Unscheduled COF Payment with PAN
  - Customer-Initiated Unscheduled COF Payments with TMS
    - Required Fields for CIT Unscheduled COF Payments with TMS
    - REST Example: Initial CIT Unscheduled COF Payment in TMS
  - Customer-Initiated Unscheduled COF Payment with Enrollable Network Tokens
    - Required Fields for CIT Unscheduled COF Payment with Enrollable Network Tokens
    - REST API Example: CIT Unscheduled COF Payment with Enrollable Network Tokens
  - Merchant-Initiated Unscheduled COF Payments with PAN
    - Required Fields for Authorizing Subsequent MIT Unscheduled COF Payments
      - Card-Specific Required Field for Processing a Merchant-Initiated Transactions
      - Country-Specific Required Fields for Authorizing Subsequent Recurring Payments
    - REST Example: Authorizing Subsequent MIT Unscheduled COF Payments
  - Merchant-Initiated Unscheduled COF Payments with TMS
    - Required Fields for MIT Unscheduled COF Payments with TMS
    - Example: MIT Unscheduled COF Payment with TMS Instrument Identifier
    - Example: MIT Unscheduled COF Payment with TMS Payment Instrument
    - Example: MIT Unscheduled COF Payment with TMS Customer

Token Management Service Processing
- Authorizing a Payment with a Customer Token
  - Required Fields for Authorizing a Payment with a Customer Token
  - REST Example: Authorizing a Payment with a Customer Token
  - REST Example: Authorizing a Payment Using a Customer Token Linked to a Network Token
- Authorizing a Payment with a Non-Default Shipping Address
  - Required Fields for Authorizing a Payment with a Non-Default Shipping Address
  - REST Example: Authorizing a Payment with a Non-Default Shipping Address
- Authorizing a Payment with a Non-Default Payment Instrument
  - Required Fields for Authorizing a Payment with a Non-Default Payment Instrument
  - Optional Fields for Authorizing a Payment with a Non-Default Payment Instrument
  - REST Example: Authorizing a Payment with a Non-Default Payment Instrument
- Authorizing a Payment with a Payment Instrument
  - Required Fields for Authorizing a Payment with a Payment Instrument
  - Optional Fields for Authorizing a Payment with a Payment Instrument
  - REST Example: Authorizing a Payment with a Payment Instrument
- Authorize a Payment with an Instrument Identifier
  - Required Fields for Authorizing a Payment with an Instrument Identifier
  - REST Example: Authorizing a Payment with an Instrument Identifier
  - REST Example: Authorizing a Payment with an Instrument Identifier While Creating TMS Tokens
- Authorize a Payment While Ignoring Network Token
  - Required Fields for Authorizing a Payment While Ignoring Network Token
  - REST Example: Authorizing a Payment While Ignoring Network Token
- Authorizing a Payment with a Legacy Token
  - Required Fields for Authorizing a Payment with a Legacy Token
  - REST Example: Authorizing a Payment with a Legacy Token
- Making a Credit with a Customer Token
  - Required Fields for Making a Credit with a Customer Token
  - REST Example: Making a Credit with a Customer Token
- Making a Credit with a Non-Default Payment Instrument
  - Required Fields for Making a Credit with a Non-Default Payment Instrument
  - Optional Fields for Making a Credit with a Non-Default Payment Instrument
  - REST Example: Making a Credit with a Non-Default Payment Instrument
- Making a Credit with a Payment Instrument
  - Required Fields for Making a Credit with a Payment Instrument
  - REST Example: Making a Credit with a Payment Instrument
- Making a Credit with an Instrument Identifier
  - Required Fields for Making a Credit with an Instrument Identifier
  - REST Example: Making a Credit with an Instrument Identifier
- Making a Credit with a Legacy Token
  - Required Fields for Making a Credit with a Legacy Token
  - REST Example: Making a Credit with a Legacy Token

On This Page

Merchant Financial Institutions (Acquirers)

A merchant financial institution, also known as an acquirer
, offers accounts to businesses that accept payment cards. Before you can accept payments, you must have a merchant account from an acquirer. Your merchant account must be configured to process card-not-present, card-present, or mail-order/telephone-order (MOTO) transactions.

If excessive chargebacks or fraudulant changes occur, these actions might be taken:

You might be required to change your business processes to reduce the number chargebacks, fraud, or both.

Your acquiring institution might increase your discount rate.

Your acquiring institution might revoke your merchant account.

Contact your sales representative for information about products that can help prevent fraud.

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