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Authorization with Contactless EMV and Online PIN

For an EMV contactless payment, the customer taps the card on the terminal. The terminal and chip use near-field communication (NFC) to communicate with each other. For an online PIN transaction, the customer uses a PIN to verify their identity and the issuer verifies the PIN.
Online PIN transactions are supported by these card types:
  • Visa
  • Mastercard
  • American Express
  • Discover

Endpoint

Production:
POST
https://api.visaacceptance.com
/pts/v2/payments
Test:
POST
https://apitest.visaacceptance.com
/pts/v2/payments

Required Fields for Processing an Authorization with Contactless EMV and Online PIN

clientReferenceInformation.code
clientReferenceInformation.partner.thirdPartyCertificationNumber
Visa Acceptance Solutions
 provides the value for this field.
clientReferenceInformation.transactionId
merchantInformation.transactionLocalDateTime
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
paymentInformation.card.type
pointOfSaleInformation.emv.cardSequenceNumber
pointOfSaleInformation.emv.tags
pointOfSaleInformation.encryptedKeySerialNumber
pointOfSaleInformation.encryptedPin
pointOfSaleInformation.entryMode
Set the value to
contactless
 for an EMV payment.
pointOfSaleInformation.pinBlockEncodingFormat
pointOfSaleInformation.terminalCapability
Set the value to
5
.
pointOfSaleInformation.terminalPinCapability
pointOfSaleInformation.trackData
processingInformation.commerceIndicator
Set the value to
retail
.

REST Example: Processing an Authorization with Contactless EMV and Online PIN

Request
{
  "clientReferenceInformation": {
    "code": "test123",
    "transactionId": "uniqueValue3",
    "partner": {
      "thirdPartyCertificationNumber": "testTPCN"
    }
  },
  "processingInformation": {
    "commerceIndicator": "retail",
    "authorizationOptions": {
      "partialAuthIndicator": "true"
    }
  },
  "paymentInformation": {
     "card": {
        "type": "001"
       }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "9900.00",
      "currency": "USD"
    }
  },
  "pointOfSaleInformation": {
    "entryMode": "contactless",
    "terminalCapability": 4,
     "terminalPinCapability": 6,
    "emv": {
      "tags": "5F3401019F3303E0F8C8950580800480009F370465B81A3A9F100706011203A0A0009F2608E9D097D1901E8AB99F36020002820218009C01009F1A0208409A032307259F02060000000007005F2A0208409F0306000000000000DF78083831393931303236DF791B322D30323436362D312D31432D5246492D303331332D342E332E62",
      "cardSequenceNumber": "01"
    },
    "trackData": ";4761xxxxxxxxxxxx=251220111478549?",
    "pinBlockEncodingFormat":0,
    "encryptedPin": "F509429A3C3FD201",
    "encryptedKeySerialNumber": "FFFF1B1D140000200001"
  },
  	"merchantInformation": {
		"transactionLocalDateTime": "20230724085022"
	}
}
Response to a Successful Request
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6938904668436727104951/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6938904668436727104951"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6938904668436727104951/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "test123",
    "transactionId": "uniqueValue3"
  },
  "id": "6938904668436727104951",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "9900.00",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "accountFeatures": {
      "category": "A",
      "group": "0"
    },
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "emv": {
      "tags": "9F36020015910AB58D60185BEF0247303072179F180430303031860E04DA9F580903B1BAEDFD1438BA48"
    }
  },
  "processorInformation": {
    "systemTraceAuditNumber": "188851",
    "approvalCode": "831000",
    "networkTransactionId": "016153570198200",
    "retrievalReferenceNumber": "324705188851",
    "transactionId": "016153570198200",
    "responseCode": "00",
    "avs": {
      "code": "2"
    }
  },
  "reconciliationId": "6938904668436727104951",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-09-05T05:07:47Z"
}