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
- Card Types
- Transaction Types
- Payment Services
  - Authorization
    - Online Authorization
    - Offline Authorization
    - Incremental Authorization
      - Scenario for an Incremental Authorization
    - Pre-Authorization
    - Payment Network Token Authorization
    - Authorization Workflow
  - Sale
    - Dual-Message Processing
      - Partial Authorizations
    - Single-Message Processing
  - Authorization Reversal
  - Capture
    - Capture Workflow
  - Refund
    - Credit Workflow
  - Void
- Payment Features
  - Debit and Prepaid Card Payments
  - Interchange Optimization
  - Japanese Payment Options
  - Micropayments
  - Mastercard Bill Payments
  - Mastercard Expert Monitoring Solutions
  - Payer Authentication
  - Relaxed Requirements for Address Data and Expiration Date in Payment Transactions
  - Split Shipment
- Testing the Payment Services
  - Requirements for Testing
  - Test Card Numbers
  - Using Amounts to Simulate Errors
  - Test American Express Card Verification

Debit and Prepaid Card Processing
- Processing Debit and Prepaid Authorizations
- Enabling Debit and Prepaid Partial Authorizations
- Disabling Debit and Prepaid Partial Authorizations

Japanese Payment Options Processing
- Authorize a Single Payment with Japanese Payment Options
- Authorize a Bonus Payment with Japanese Payment Options
- Authorize an Installment Payment with Japanese Payment Options
- Authorize a Revolving Payment with Japanese Payment Options
- Authorize a Combination Payment with Japanese Payment Options

Mastercard Processing
- Mastercard Bill Payment Processing
- Mastercard Expert Monitoring Solutions Processing

Payer Authentication Processing
- Providing Payer Authentication Information for Authorization
- American Express SafeKey
- JCB J/Secure
- Mastercard Identity Check
- Visa Secure

Relaxed Requirements for Address Data and Expiration Date in Payment Transactions

Split Shipments Processing
- Authorizing a Sale for a Product Not Yet Available
- Processing Two Authorizations and a Capture for Multiple Products
- Processing an Authorization and Two Captures for Multiple Products

On This Page

Merchant Financial Institutions (Acquirers)

A merchant financial institution, also known as an acquirer
, offers accounts to businesses that accept payments. 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 or mail-order/telephone-order (MOTO) transactions.

If excessive chargebacks or fraudulent 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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