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Stand-Alone Credit

This section describes how to process a stand-alone credit. A stand-alone credit is used to process a credit with no reference to a previous transaction. The amount for a stand-alone credit is not limited because there is no reference to an original transaction amount. The customer is required to present their payment card for this type of credit.

Endpoint

Production:

POST https://api.visaacceptance.com/pts/v2/credits/

Test:

POST https://apitest.visaacceptance.com/pts/v2/credits/

Required Fields for Processing a Stand-Alone Credit

clientReferenceInformation.code
clientReferenceInformation.transactionId
clientReferenceInformation.partner.thirdPartyCertificationNumber: Visa Acceptance Solutions provides the value for this field.
merchantInformation.transactionLocalDateTime
orderInformation.amountDetails.currency

orderInformation.amountDetails.totalAmount
pointOfSaleInformation.emv.tags
pointOfSaleInformation.entryMode
pointOfSaleInformation.trackData
pointOfSaleInformation.terminalCapability
pointOfSaleInformation.terminalPinCapability
processingInformation.commerceIndicator

REST Example: Stand-Alone Credit

Request

{
    "clientReferenceInformation": {
        "code": "test123",
        "transactionId": "11223344",
        "partner": {
            "thirdPartyCertificationNumber": "testTPCN"
        }
    },
    "processingInformation": {
        "commerceIndicator": "retail"
    },
    "paymentInformation": {
        "card": {
            "type": "001"
        }
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "9900.00",
            "currency": "USD"
        }
    },
    "pointOfSaleInformation": {
        "terminalId": "87654321",
        "entryMode": "contactless",
        "terminalCapability": "4",
        "terminalPinCapability": "0",
        "emv": {
            "tags": 
"5F2A02084082025800950542800480009A032907259C01209F02060000009900009F10070601120
3A000009F1A0208409F1E08364B3335303633379F26084F674AF82F5566BD9F330360F0E89F36022
3019F370479E0A7B59F2701809F34030203005F340101",
            "cardSequenceNumber": "01"
        },
        "trackData": ";4761739001010119=29122011758928889?"
    },
    "merchantInformation": {
      "transactionLocalDateTime": "20230724085022"
    }
}

Response for a Successful Request

{
    "_links": {
        "void": {
            "method": "POST",
            "href": "/pts/v2/credits/6663069906146706403954/voids"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/credits/6663069906146706403954"
        }
    },
    "clientReferenceInformation": {
        "code": "1666306990717"
    },
    "creditAmountDetails": {
        "currency": "eur",
        "creditAmount": "100.00"
    },
    "id": "6663069906146706403954",
    "orderInformation": {
        "amountDetails": {
            "currency": "eur"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "001"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "001"
        },
        "card": {
            "type": "001"
        }
    },
    "processorInformation": {
        "approvalCode": "888888",
        "responseCode": "100"
    },
    "reconciliationId": "66490108K9CLFJPN",
    "status": "PENDING",
    "submitTimeUtc": "2022-10-20T23:03:10Z"
}