Transcription
Credit Card ServicesREST APIFDC Nashville GlobalDeveloper Guide
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ContentsRecent Revisions to This Document. 9About This Guide.11Introduction to Payments. 12Introduction to Payments. 12Financial Institutions and Payment Networks.12Payment Types. 14Types of Transactions. 16Payment Processing.17Authorizations. 17Capture.19Sales.20Payment Processing. 22Authorizations. 22Online Authorizations. 22Offline Authorizations. 22Incremental Authorizations.23Authorization Workflow.24Capture.24Capture Workflow.24Sales.25Dual Message Processing.25Single Message Processing.26Sales Workflow.26Order Tracking.27Reconciliation IDs. 27Payment Card Processing.28Processing Basic Authorizations.29Required Fields for Processing Basic Authorizations Using REST APIs.29Authorizing a Payment Using REST APIs. 29Example: Processing a Basic Authorization Using the REST API.30Basic Authorization with Line Itemization. 33Using Line Items.33Credit Card Services Contents 3
Contents 4Required Fields. 34Authorizing a Payment Using REST APIs. 34Processing a Basic Authorization with Line Items and DCC. 35Authorization Reversals.37Processor-Specific Information.37Overview. 38Required Fields for an Authorization Reversal. 38Reversing an Authorization.39Example: Authorization Reversal.39Captures.41Processor-Specific Information.41Overview. 41Workflow.41Required Fields for a Capture. 42Capturing an Authorization.43Example: Capture. 45Sales.46Processor-Specific Information.46Overview. 46Dual-Message Processing. 46Required Fields for a Sale. 47Performing a Sale.49Example: Sale. 50Follow-On Credits. 52Processor-Specific Information.52Overview. 52Workflow.53Required Fields for a Follow-On Credit. 54Crediting a Payment with a Follow-On Credit. 54Example: Follow-On Credit.55Stand-Alone Credits. 56Processor-Specific Information.56Overview. 56Workflow.57Required Fields for a Stand-alone Credit. 58Credit Card Services Contents 4
Contents 5Crediting a Payment with a Stand-Alone Credit. 59Example: Stand-alone Credit.60Voids.62Overview. 62Required Fields for a Void. 62Voiding a Capture or Credit.63Example: Void. 63Testing the Credit Card Services.66Requirements for Testing Credit Card Services. 66Testing the Credit Card Services.67Using Amounts to Simulate Errors. 69Testing American Express Card Verification. 69Required Features for Credit Card Processing. 70Authorization Reversal after Void (ARAV). 71Required Fields for an Authorization Reversal. 71Required Fields for a Void. 71Reversing an Authorization After a Void.72Example: Void. 73Example: Authorization Reversal.74Automatic Partial Authorization Reversals. 75Supported Card Types. 75Automatic Partial Authorization Reversals Overview. 76Card Verification Numbers. 77Supported Card Types. 77CVN Locations and Terminology.77CVN Results.78Required Field for an Authorization with a Card Verification Number.79Required Fields for an Authorization. 79Optional Fields for an Authorization with a Card Verification Number.82Authorizing a Payment with CVN. 82Example: Authorization with CVN.82Final Authorization Indicator.85Supported Service.85Supported Card Types. 85Final Authorizations.85Credit Card Services Contents 5
Contents 6Preauthorizations.86Unmarked Authorizations. 86Required Field for a Final Authorization or Preauthorization.87Required Fields for an Authorization. 87Performing a Final Authorization or Preauthorization.89Merchant-Initiated Transactions and Credentials-on-File Transactions.90Supported Service.90Supported Card Types and Scenarios.90Overview. 91Customer Credentials. 91Cardholder-Initiated Transactions with Credentials on File. 95Merchant-Initiated Transactions.98Standard AVS.119Processing AVS Codes.119Controlling AVS Results. 119Supported Card Types.119No Required Fields for Standard AVS. 120Required Fields for an Authorization.120Optional Fields for Standard AVS.122Example: Authorization with AVS.122Strong Customer Authentication.125Supported Service. 125Supported Card Types.125Overview.125SCA Exemptions. 125Required Fields for an Authorization with an SCA Exemption. 127Required Fields for an Authorization.128Authorizing a Payment with an SCA Exemption. 130Payer Authentication.131American Express SafeKey.131Supported Service. 131Supported Card Type.131Overview.131Prerequisite. 132Required Fields for an Authorization with American Express SafeKey.132Credit Card Services Contents 6
Contents 7Optional Field for an Authorization with American Express SafeKey.132Required Fields for an Authorization.133Authorizing an American Express SafeKey Transaction. 135Mastercard Identity Check. 136Supported Service. 136Supported Card Type.136Overview.136Prerequisite. 137Required Fields for an Authorization with Mastercard Identity Check.137Required Fields for an Authorization.137Authorizing a Mastercard Identity Check Transaction. 140Visa Secure. 140Supported Service. 141Supported Card Type.141Overview.141Prerequisite. 141Required Fields for an Authorization with Visa Secure. 141Required Fields for an Authorization.142Authorizing a Visa Secure Transaction.144Debit and Prepaid Card Features. 146Partial Authorizations. 146Supported Card Types.147Unsupported Card Types. 147How a Partial Authorization Works. 148Required Field for Opting In (Enabling) Partial Authorizations.148Required Field for Opting Out (Disabling) Partial Authorizations. 149Required Fields for an Authorization.149Required Fields for a Capture.151Optional Field for Enabling and Disabling Partial Authorizations.152Opting Out: Disabling Partial Authorizations. 153Opting In: Enabling Partial Authorizations.154Capturing a Partial Authorization.154Example: Partially Approved Authorization.156Real-Time Reversals.158Balance Responses.159Credit Card Services Contents 7
Contents 8Supported Card Types.159Features for Maestro (UK Domestic) Cards. 161Multiple Partial Captures. 162Limitations.
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