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Visa Consumer Bill Payment Processing

This section shows you how to process a Visa Consumer Bill Payment. See Basic Authorization for a description of a basic authorization.

Fields Specific to this Use Case

Include

this field

in a standard authorization when you request a Visa CBPS authorization:

processingInformation.businessApplicationId: Set the value to
CB
.

Endpoint

Production:

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

Test:

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

Requirements

IMPORTANT

As a Visa CBPS provider you must comply with all Visa rules. For the Visa CBPS rules, see Rule ID# 0030635 of the Visa Rules "Acquirer Responsibilities Related to Consumer Bill Payment Service Providers" at visa-rules-public.pdf.

Before you process Visa CBPS payments, you must:

Contact your acquirer to register your account for the Visa Consumer Bill Pay Service.

Contact Visa Acceptance Solutions customer support to have your account configured for this feature.

Required Fields for Processing a Visa Consumer Bill Payment Service Authorization

IMPORTANT

When relaxed requirements for address data and the expiration date are being used, not all fields in this list are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. For details about relaxed requirements, see Relaxed Requirements for Address Data and Expiration Date in a Payment.

orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.administrativeArea
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.postalCode
paymentInformation.card.expirationMonth
paymentInformation.card.expirationYear
paymentInformation.card.number
paymentInformation.card.type
processingInformation.businessApplicationId: Set the value to
CB
.

REST Example: Processing a Visa Consumer Bill Payment Service Authorization

Request

{
    "orderInformation": {
        "billTo": {
            "country": "US",
            "lastName": "Smith",
            "address1": "201 S. Division St.",
            "postalCode": "48104-2201",
            "locality": "Ann Arbor",
            "administrativeArea": "MI",
            "firstName": "Jane",
            "email": "[email protected]"
        },
        "amountDetails": {
            "totalAmount": "100.00",
            "currency": "usd"
        }
    },
    "paymentInformation": {
        "card": {
            "expirationYear": "2031",
            "number": "4111111111111111",
            "expirationMonth": "12",
            "type": "001"
        }
    },
    "processingInformation": { 
        "businessApplicationId": "CB"
        }
    }
}

Response to a Successful Request

 {
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6703681963696557903954/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6703681963696557903954"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6703681963696557903954/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "MRC987654321"
  },
  "id": "6703681963696557903954",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "102.21",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "processorInformation": {
    "approvalCode": "888888",
    "networkTransactionId": "123456789619999",
    "transactionId": "123456789619999",
    "responseCode": "100",
    "avs": {
      "code": "X",
      "codeRaw": "I1"
    }
  },
  "reconciliationId": "62246404OAIKS5EN",
  "status": "AUTHORIZED"
}

Response to a Declined Request

{
  "clientReferenceInformation": {
    "code": "MRC987654321"
  },
  "errorInformation": {
    "reason": "PROCESSOR_ERROR",
    "message": "Invalid account"
  },
  "id": "6583553837826789303954",
  "paymentInsightsInformation": {
    "responseInsights": {
      "categoryCode": "01",
      "category": "ISSUER_WILL_NEVER_APPROVE"
    }
  },
  "processorInformation": {
    "systemTraceAuditNumber": "004544",
    "merchantNumber": "1231231222",
    "networkTransactionId": "431736869536459",
    "transactionId": "431736869536459",
   "responseCode": "111",
    "avs": {
      "code": "Y",
      "codeRaw": "Y"
    }
  },
  "status": "DECLINED"
}