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Payment Credentials API

This section contains the information you need to retrieve the full payment credentials collected by the Unified Checkout tool using the payment credentials API. The payment information is returned in a redundantly signed and encrypted payment object. It uses the JSON Web Tokens (JWTs) as the data standard for communicating this sensitive data.

IMPORTANT

Payment information returned by the

payment-credentials

endpoint will contain Personal Identifiable Information (PII). Retrieving this sensitive information requires your system to comply with PCI security standards. For more information on PCI security standards, see: https://www.pcisecuritystandards.org/

The response is returned using a JWE data object that is encrypted with your public key created during the Unified Checkout tool's integration. For more information, see Upload Your Encryption Key.

To decrypt the JWE response, use your private key created during the Unified Checkout tool's integration. The decrypted content is a JWS data object containing a JSON payload. This payload can be validated with the Unified Checkout public signature key.

IMPORTANT

Visa Acceptance Solutions recommends that you dynamically parse the response for the fields that you are looking for when you integrate with Visa Acceptance Solutions APIs. Visa Acceptance Solutions may add additional fields in the future.

You must ensure that your integration can handle new fields that are returned in the response. Even though the underlying data structures do not change, you must also ensure that your integration can handle changes to the order in which the data is returned. Visa Acceptance Solutions uses semantic versioning practices, which enables you to retain backwards compatibility as new fields are introduced in minor version updates.

Returned Credentials

A payment account number (PAN) or network token is returned on your request depending on your payment method and Click to Pay account status:

Payment Credentials Returned by Card Type and `Click to Pay` Account Status
`Click to Pay` Account Status	American Express	Mastercard	Visa
New card not saved in `Click to Pay`	PAN	PAN	PAN
New card saved in `Click to Pay`	PAN	Network Token	Network Token
Existing card stored in `Click to Pay`	PAN	Network Token	Network Token

When you retrieve PAN information from the Payment Credentials API, the response includes the PAN, card expiration date, and the card verification value (CVV). When you retrieve network token information, the response includes the network token and network token cryptogram.

IMPORTANT

Visa and Mastercard always attempt to provision a network token. A PAN is returned when a network token is not provisioned before checkout or when the cardholder did not request to enroll the card in Click to Pay.

Network tokens are generated in the wallet of the Click to Pay token requestor ID (TRID). When tokenization is successful, Visa can also complete authentication during the Click to Pay experience to acquire an EC105 payload. For information on authentication, see Click to Pay Customer Authentication.

Endpoint

Production:

GET https://api.visaacceptance.com/flex/v2/payment-credentials/{ReferenceID}

Test:

GET https://apitest.visaacceptance.com/flex/v2/payment-credentials/{ReferenceID}

The

{ReferenceID}

is the reference ID returned in the

field when you created the payment credentials.

Required Field for Retrieving Payment Credentials

Your payment credentials request must include this field:

ReferenceID: The reference ID that is returned in the
id
field when you created the payment credentials.

REST Example: Retrieving Payment Credentials

Request

https://api.visaacceptance.com/flex/v2/payment-credentials/E-firqlLk7GiziQwXxAsq

Encrypted Response to Successful Request

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Decrypted Response to Successful Request

{ // header
  kid = "zu"
  cty = "json+pc"
}.
{
  // registered claims
  iss = "https://flex.visa.com"            
  sub = "ps_hpa"                                  // Merchant ID 
  aud = "https://online.MyBank.com"              
  exp = 1683105553                                // expiry of payment credentials
  iat = 1683104035                                // timestamp when JWT was created
  jti = "ae798686-a849-4dfa-836d-43e09cb183a4"    // transaction id
  
  "paymentInformation": {    
    "tokenizedCard": {
      "number": "4111111111111111",
      "expirationMonth": "12",
      "expirationYear": "2031",
      "type": "001",
      "cryptogram": "",
      "transactionType": "1"
    }    
  },
  "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": "[email protected]",
      "phoneNumber": "4158880000"
    }
  }
}
.SIGNATURE

Decrypted Response to Successful Request with EPC Token

{
    "aud": "uc_agnostic_portfolio_valid",
    "sub": "uc_agnostic_valid001",
    "deviceInformation": {"fingerprintSessionId": "61f4c1b9-a582-49e7-9854-60ab58d1c792"},
    "processingInformation": {"paymentSolution": "027"},
    "orderInformation": {
        "billTo": {
            "firstName": "Jane",
            "lastName": "Doe",
            "country": "US",
            "phoneNumber": "+44-1234567890",
            "address1": "900 Metro Center Boulevard",
            "postalCode": "94404",
            "locality": "Foster City",
            "administrativeArea": "CA",
            "email": "[email protected]"
        },
        "amountDetails": {
            "totalAmount": "21.00",
            "currency": "USD"
        },
        "shipTo": {
            "lastName": "Doe",
            "country": "US",
            "firstName": "Jane",
            "address1": "123 Main Street",
            "postalCode": "10789",
            "locality": "New York",
            "administrativeArea": "NY"
        }
    },
    "paymentInformation": {"card": {
        "expirationYear": "2027",
        "number": "<mc card number>",
        "expirationMonth": "03",
        "typeSelectionIndicator": "1",
        "type": "002"
    }},
    "exp": 1765884772,
    "jti": "Wie23cAKtFnQeIzjx4EQx"
}