Mass Transit Payment Services Using EMV and Card Data

You can request these payment services for mass transit with EMV and card data:
  • Authorization for account verification and debt recovery
  • Sale for aggregated fares and debt recovery
  • Stand-alone credit
This table shows which EMV tags are:
  • M: mandatory
  • P: prohibited
  • O: optional
  • C: conditional (Send the tag when it is present in card and terminal.)
EMV Data Elements and Tags
Data Element
EMV Tag
American Express
Mastercard PAYG
Visa MTT
Transaction Date
9A
M
M
M
Transaction Type
9C
M
M
M
Transaction Currency Code
5F2A
M
M
M
Terminal Country Code
9F1A
M
M
M
Amount Authorized
9F02
M
M
M
Amount Other
9F03
M
M
M
Application PAN Sequence Number
5F34
M
C
O
Application Transaction Counter (ATC)
9F36
M
M
M
Application Interchange Profile (AIP)
82
M
M
M
Dedicated File (DF) Name
84
M
M
M
Terminal Verification Results (TVR)
95
M
M
M
Issuer Application Data
9F10
M
M
M
Application Cryptogram
9F26
M
M
M
Cryptogram Information Data (CID)
9F27
M
M
O
Terminal Capabilities
9F33
M
M
M
Cardholder Verification Method (CVM) Results
9F34
O
M
O
Unpredictable Number (UN)
9F37
M
M
M
Form Factor Indicator
9F6E
C*
O (Authorizations)
P (Refunds)
C
Mastercard Authenticated Application Data
9F60
Does not apply
O
Does not apply
Mastercard Kernel Identifier‐Terminal
96
Does not apply
O
Does not apply
*For contactless American Express transactions, if the form factor indicator data is available on the card, the merchant, acquirer, or processor must forward this information to the issuer.

Transaction Types

When you include the transaction type in your request, the description appears in the
Business Center
 and transaction reports.
Transactions are grouped into these categories:
  • TransitDA
    : deferred-aggregated (DA) transactions, which are also known as
    Visa MTT
     and
    Mastercard PAYG
     transactions.
  • BAU
    : business-as-usual transactions that represent no exceptions or errors for cardholders.
  • FRR
    : first-ride-risk transactions that occur where first-ride-risk liability shift is being operated. These are specific to a card scheme and region.
  • DR
    : debt-recovery transactions initiated by the merchant or when the cardholder taps a contactless card at a validator to enter the transit system.
  • DR CIT
    : debt-recovery transactions initiated by the cardholder when they explicitly pay a debt, including e-commerce and telephone orders.
  • Service
    : standard transactions for completing a payment.
  • Error
    : standard transactions for handling transaction errors.
To include the transaction type, set the
clientReferenceInformation.comments
 request field to the transaction value corresponding to the service description. These tables provide the value for each type of transaction:
Business as Usual (BAU)
Service
Field Value
Description
authorization
TransitDA BAU zero value auth
Zero amount authorization to verify a card.
authorization
TransitDA BAU nominal value auth
Nominal value authorization to verify a card.
authorization
TransitDA BAU full value auth
Deferred aggregated authorization for the aggregated value that is sent at the end of the travel period.
sale
TransitDA BAU full value sale
Deferred aggregated authorization and capture for the aggregated value that is sent at the end of the travel period.
capture
TransitDA BAU capture
Capture of any business as usual authorization. Could be a nominal authorization or full value authorization.
capture
TransitDA BAU capture (split)
Capture without a previous authorization. Used by Mastercard PAYG in the UK.
authorization
TransitDA BAU registration auth
Zero amount authorization as part of journey history service. Could include CVV2 and 3-D Secure 2.x.
First Ride Risk (FRR)
Service
Field Value
Description
authorization
TransitDA FRR full auth
Full amount authorization for a previous verification authorization request that was declined. Decline response is common.
capture
TransitDA FRR capture
Forced capture of a declined authorization when FRR funding applies.
authorization
TransitDA FRR MIT DR auth
Merchant-initiated authorization to clear a debt status after the TransitDA FRR capture is processed. If successful, the FRR capture is reversed.
reversal
TransitDA FRR MIT DR reversal
Reversal sent if previous TransitDA FRR MIT DR auth was successful.
authorization
TransitDA FRR tap DR auth
Authorization sent following a card tap to clear a debt status after TransitDA FRR capture is processed. If successful, the FRR capture is reversed.
reversal
TransitDA FRR tap DR reversal
Reversal when a TransitDA FRR tap DR auth was successful.
Debt Recovery (DR)
Service
Field Value
Description
sale
TransitDA Debt recovery MIT sale FPAN
TransitDA Debt recovery MIT sale DPAN
Merchant-initiated debt recovery authorization and capture using a funding PAN (FPAN) or digital PAN (DPAN).
authorization
TransitDA Debt recovery MIT auth FPAN
TransitDA Debt recovery MIT auth DPAN
Merchant-initiated debt recovery authorization using a funding PAN (FPAN) or digital PAN (DPAN).
capture
TransitDA Debt recovery MIT capture
Merchant-initiated debt recovery capture of a previous TransitDA Debt recovery MIT auth transaction.
sale
TransitDA Debt recovery tap sale
Tap-initiated EMV debt recovery authorization and capture.
authorization
TransitDA Debt recovery tap auth
Tap-initiated EMV debt recovery authorization.
capture
TransitDA Debt recovery tap capture
Tap-initiated EMV debt recovery capture of a previous TransitDA Debt recovery tap auth transaction.
Cardholder-Initiated Debt Recovery (DR CIT)
Service
Field Value
Description
sale
TransitDA Debt recovery CIT Ecom sale
Cardholder-initiated debt recovery authorization and capture.
authorization
TransitDA Debt recovery CIT Ecom auth
Cardholder-initiated debt recovery authorization.
capture
TransitDA Debt recovery CIT Ecom capture
Cardholder-initiated debt recovery capture of a previous TransitDA Debt recovery CIT Ecom auth transaction.
sale
TransitDA Debt recovery CIT Ecom 3DS2 sale
Cardholder-initiated debt recovery authorization and capture.
authorization
TransitDA Debt recovery CIT Ecom 3DS2 auth
Cardholder-initiated debt recovery authorization.
capture
TransitDA Debt recovery CIT Ecom 3DS2 capture
Cardholder-initiated debt recovery capture of a previous TransitDA Debt recovery CIT Ecom 3DS2 auth transaction.
sale
TransitDA Debt recovery CIT Moto sale
Cardholder-initiated debt recovery authorization and capture.
authorization
TransitDA Debt recovery CIT Moto auth
Cardholder-initiated debt recovery authorization.
capture
TransitDA Debt recovery CIT Moto capture
Cardholder-initiated debt recovery capture of previous TransitDA Debt recovery CIT Moto auth transaction.
Services
Service
Field Value
Description
refund
REFUND Automatic
Programmatic follow-on refund for a previous capture.
credit
CREDIT Automatic
Programmatic stand-alone credit.
refund
REFUND Manual
Manual follow-on refund for a previous capture.
credit
CREDIT Manual
Manual stand-alone credit.
Errors
Service
Field Value
Description
reversal
REVERSAL Timeout
Reversal of a previous request for which a response was not received.
reversal
REVERSAL other
Reversal for an authorization for a reason other than TransitDA FRR MIT DR reversal, TransitDA FRR tap DR reversal, or REVERSAL Timeout.
void
VOID Timeout
Void of a previous request for which a response was not received.
void
VOID Payment
Void of a payment within the same day.
void
VOID Capture
Void of a capture within the same day.
void
VOID Refund
Void of a refund within the same day.
void
VOID Credit
Void of a credit within the same day.
Mass Transit Payment Services Using EMV and Card Data

Required Fields for Authorizations with EMV Data

This table provides information about the fields required to process authorizations with EMV data.
Authorizations with EMV Data Fields
REST API Field
American Express Account Status Check
American Express Delayed Online
Mastercard PAYG
Visa MTT
Information/Value
clientReferenceInformation. code
—
clientReferenceInformation. comments
For this value, see Transaction Types.
clientReferenceInformation. partner. solutionId
Visa Acceptance Solutions
 provides the value for this field.
clientReferenceInformation. partner. thirdPartyCertificationNumber
Visa Acceptance Solutions
 provides the value for this field.
clientReferenceInformation. transactionId
—
orderInformation. amountDetails.currency
—
orderInformation. amountDetails. totalAmount
For Visa AVR, set this field to
0.00
.
paymentInformation.card.type
—
paymentInformation. initiationChannel
—
—
—
—
pointOfSaleInformation. catLevel
Set this field to
2
.
pointOfSaleInformation.emv. cardSequenceNumber
—
For Visa, set this field to
1
.
pointOfSaleInformation.emv. tags
—
pointOfSaleInformation. entryMode
Set this field to
contactless
.
pointOfSaleInformation. serviceCode
—
—
—
—
pointOfSaleInformation. terminalCapability
Set this field to
5
.
pointOfSaleInformation. terminalId
—
pointOfSaleInformation. terminalPinCapability
Set this field to
0
.
pointOfSaleInformation. trackData
—
processingInformation. authorizationOptions. aggregatedAuthIndicator
—
—
Set this field to
true
.
processingInformation. authorizationOptions. authIndicator
—
—
—
Set this field to
0
.
processingInformation. authorizationOptions. deferredAuthIndicator
—
—
Set this field to
true
.
processingInformation. authorizationOptions. transportationMode
—
—
—
—
processingInformation. captureOptions. dateToCapture
—
—
processingInformation. commerceIndicator
Set this field to
retail
.
processingInformation. industryDataType
—
Set this field to
transit
.
Mass Transit Payment Services Using EMV and Card Data

American Express Authorization with EMV Data

An American Express authorization with EMV data is an authorization request for a nominal amount of 1.00 USD or more. These two models are supported for American Express:
  • Account status check (Required function code to be 190)
  • Delayed online authorization (Required function code to be 100)

Endpoint

Production:
POST
https://api.visaacceptance.com
/pts/v2/payments
Test:
POST
https://apitest.visaacceptance.com
/pts/v2/payments
Mass Transit Payment Services Using EMV and Card Data

Mastercard Authorization with EMV Data

A Mastercard authorization with EMV data is an authorization request for a nominal amount.

Endpoint

Production:
POST
https://api.visaacceptance.com
/pts/v2/payments
Test:
POST
https://apitest.visaacceptance.com
/pts/v2/payments
Mass Transit Payment Services Using EMV and Card Data

Visa Account Verification Request (AVR) with EMV Data

A Visa account verification request (AVR) with EMV data is a zero amount authorization.

Endpoint

Production:
POST
https://api.visaacceptance.com
/pts/v2/payments
Test:
POST
https://apitest.visaacceptance.com
/pts/v2/payments
Mass Transit Payment Services Using EMV and Card Data

Required Fields for Sales with EMV Data

This table provides information about the fields required for sales with EMV data.
Sales with EMV Data Fields
REST API Field
Visa Deferred
Information/Value
clientReferenceInformation. code
—
clientReferenceInformation. comments
For this value, see Transaction Types.
clientReferenceInformation. comments
—
clientReferenceInformation.partner. solutionId
Visa Acceptance Solutions
 provides the value for this field.
clientReferenceInformation.partner.thirdPartyCertificationNumber
Visa Acceptance Solutions
 provides the value for this field.
clientReferenceInformation. transactionId
—
orderInformation. amountDetails.currency
—
orderInformation. amountDetails. totalAmount
For Visa AVR, set this field to
0.00
.
paymentInformation.card.type
—
pointOfSaleInformation. catLevel
Set this field to
2
.
pointOfSaleInformation.emv. cardSequenceNumber
—
pointOfSaleInformation.emv. tags
—
pointOfSaleInformation. entryMode
Set this field to
contactless
.
pointOfSaleInformation. terminalCapability
Set this field to
5
.
pointOfSaleInformation. terminalId
—
pointOfSaleInformation. terminalPinCapability
Set this field to
0
.
pointOfSaleInformation. trackData
—
processingInformation. authorizationOptions. aggregatedAuthIndicator
Set this field to
true
.
processingInformation. authorizationOptions. deferredAuthIndicator
Set this field to
true
.
processingInformation. capture
Set this field to
true
.
processingInformation. captureOptions. dateToCapture
—
processingInformation. commerceIndicator
Set this field to
retail
.
processingInformation. industryDataType
Set this field to
transit
.
Mass Transit Payment Services Using EMV and Card Data

Visa Deferred Sale with EMV Data

A sale transaction is a bundled authorization and capture. At the end of the travel period, request a Visa deferred sale with EMV data for an aggregated payment.

Endpoint

Production:
POST
https://api.visaacceptance.com
/pts/v2/payments
Test:
POST
https://apitest.visaacceptance.com
/pts/v2/payments
Mass Transit Payment Services Using EMV and Card Data

Required Fields for Authorization for Debt Recovery

This table provides information about the fields required for tap-initiated and merchant-initiated (MIT) authorizations for debt recovery.
Authorization for Debt Recovery Fields
REST API Field
Tap
MIT
Information/Value
clientReferenceInformation. code
—
clientReferenceInformation. comments
For this value, see Transaction Types.
clientReferenceInformation. partner. solutionId
Visa Acceptance Solutions
 provides the value for this field.
clientReferenceInformation. partner. thirdPartyCertificationNumber
Visa Acceptance Solutions
 provides the value for this field.
clientReferenceInformation. transactionId
—
orderInformation. amountDetails.currency
—
orderInformation. amountDetails. totalAmount
—
paymentInformation. card.expirationMonth
—
—
paymentInformation. card.expirationYear
—
—
paymentInformation. card.number
—
—
paymentInformation.card.type
—
pointOfSaleInformation. catLevel
Set this field to
2
.
pointOfSaleInformation.emv. cardSequenceNumber
—
Set this field to
1
.
pointOfSaleInformation.emv. tags
—
—
pointOfSaleInformation. entryMode
—
Set this field to
contactless
.
pointOfSaleInformation. terminalCapability
—
Set this field to
5
.
pointOfSaleInformation. terminalId
—
—
pointOfSaleInformation. terminalPinCapability
—
Set this field to
0
.
pointOfSaleInformation. trackData
—
—
processingInformation. authorizationOptions. debtRecoveryIndicator
Set this field to
true
.
processingInformation. authorizationOptions. deferredAuthIndicator
—
Set this field to
true
.
processingInformation. authorizationOptions.ignoreAvsResult
—
Set this field to
true
.
processingInformation. authorizationOptions.ignoreCvResult
—
Set this field to
true
.
processingInformation. authorizationOptions.initiator. credentialStoredOnFile
—
Set this field to
false
.
processingInformation. authorizationOptions. initiator.merchantInitiatedTransaction. previousTransactionId
—
—
processingInformation. authorizationOptions. initiator.merchantInitiatedTransaction. reason
—
Set this field to
1
.
processingInformation. authorizationOptions. initiator.storedCredentialUsed
—
Set this field to
true
.
processingInformation. authorizationOptions. initiator.type
—
Set this field to
merchant
.
processingInformation. captureOptions. dateToCapture
—
—
processingInformation. commerceIndicator
Set this field to
retail
.
processingInformation. industryDataType
Set this field to
transit
.
Mass Transit Payment Services Using EMV and Card Data

Tap-Initiated Authorization for Debt Recovery with EMV Data

When a cardholder attempts to use a blocked card at the transit reader, create a new debt recovery authorization request using the chip data from the new tap, along with the fare amount of the previous declined authorization.

Endpoint

Production:
POST
https://api.visaacceptance.com
/pts/v2/payments
Test:
POST
https://apitest.visaacceptance.com
/pts/v2/payments
Mass Transit Payment Services Using EMV and Card Data

Merchant-Initiated Authorizations for Debt Recovery with Stored Card Data

You can request the authorization service for a merchant-initiated debt recovery with stored card data.

Endpoint

Production:
POST
https://api.visaacceptance.com
/pts/v2/payments
Test:
POST
https://apitest.visaacceptance.com
/pts/v2/payments
Mass Transit Payment Services Using EMV and Card Data

Required Fields for Sales for Debt Recovery

This table provides information about the fields required for tap-initiated and merchant-initiated (MIT) sales for debt recovery.
Sales for Debt Recovery Fields
REST API Field
Tap
MIT
Information/Value
clientReferenceInformation. code
—
clientReferenceInformation. comments
For this value, see Transaction Types.
clientReferenceInformation. partner. solutionId
Visa Acceptance Solutions
 provides the value for this field.
clientReferenceInformation. partner. thirdPartyCertificationNumber
Visa Acceptance Solutions
 provides the value for this field.
clientReferenceInformation. transactionId
—
orderInformation. amountDetails.currency
—
orderInformation. amountDetails. totalAmount
—
paymentInformation. card.expirationMonth
—
—
paymentInformation. card.expirationYear
—
—
paymentInformation. card.number
—
—
paymentInformation.card.type
—
paymentInformation. initiationChannel
—
Set this field to
00
.
pointOfSaleInformation. catLevel
—
Set this field to
2
.
pointOfSaleInformation.emv. tags
—
—
pointOfSaleInformation. entryMode
—
Set this field to
contactless
.
pointOfSaleInformation.serviceCode
—
—
pointOfSaleInformation. terminalCapability
—
Set this field to
5
.
pointOfSaleInformation. terminalId
—
—
pointOfSaleInformation. terminalPinCapability
—
Set this field to
0
.
pointOfSaleInformation. trackData
—
—
processingInformation. authorizationOptions. authIndicator
Set this field to
1
.
processingInformation. authorizationOptions. debtRecoveryIndicator
Set this field to
true
.
processingInformation. authorizationOptions. deferredAuthIndicator
—
Set this field to
true
.
Do not include for Mastercard transactions.
processingInformation. authorizationOptions.ignoreAvsResult
—
Set this field to
true
.
processingInformation. authorizationOptions.ignoreCvResult
—
Set this field to
true
.
processingInformation. authorizationOptions. initiator.merchantInitiatedTransaction. previousTransactionId
—
—
processingInformation. authorizationOptions. initiator.merchantInitiatedTransaction. reason
—
Set this field to
1
.
processingInformation. authorizationOptions. initiator.storedCredentialUsed
—
Set this field to
true
.
processingInformation. authorizationOptions. initiator.type
—
Set this field to
merchant
.
processingInformation. authorizationOptions. transportationMode
—
processingInformation. capture
Set this field to
true
.
processingInformation. captureOptions. dateToCapture
—
processingInformation. commerceIndicator
For tap-initiated, set this field to
retail
.
For merchant-initiated, set this field to
moto
.
processingInformation. industryDataType
Set this field to
transit
.
Mass Transit Payment Services Using EMV and Card Data

Tap-Initiated Sales for Debt Recovery with EMV Data

A sale transaction is a bundled authorization and capture. When a cardholder attempts to use a blocked card at the transit reader, create a fresh debt recovery sale request using the chip data from the new tap, along with the fare amount of the previous declined authorization.

Endpoint

Production:
POST
https://api.visaacceptance.com
/pts/v2/payments
Test:
POST
https://apitest.visaacceptance.com
/pts/v2/payments
Mass Transit Payment Services Using EMV and Card Data

Merchant-Initiated Sales for Debt Recovery with Stored Card Data

Request a bundled authorization and capture to perform a merchant-initiated sale for debt recovery.

Endpoint

Production:
POST
https://api.visaacceptance.com
/pts/v2/payments
Test:
POST
https://apitest.visaacceptance.com
/pts/v2/payments
Mass Transit Payment Services Using EMV and Card Data

Required Fields for Stand-Alone Credits with Card Data

This table provides information about the fields required to process stand-alone credits with card data.
Credits with Card Data Fields
REST API Field
Stand-Alone
Information/Value
clientReferenceInformation.code
—
clientReferenceInformation. comments
For this value, see Transaction Types.
clientReferenceInformation. partner. solutionId
Visa Acceptance Solutions
 provides the value for this field.
clientReferenceInformation. partner. thirdPartyCertificationNumber
Visa Acceptance Solutions
 provides the value for this field.
clientReferenceInformation. transactionId
—
orderInformation. amountDetails.currency
—
orderInformation. amountDetails. totalAmount
—
paymentInformation. card.expirationMonth
—
paymentInformation. card.expirationYear
—
paymentInformation. card.number
—
paymentInformation.card.type
—
Mass Transit Payment Services Using EMV and Card Data

Stand-Alone Credits with Card Data

WARNING
Follow these guidelines to prevent unauthorized credits.
A
stand-alone credit
 is a credit that is not linked to a capture. There is no time limit for requesting a stand-alone credit.
When a request for a credit is successful, the issuing bank for the payment card takes money out of your merchant bank account and returns it to the customer. It usually takes two to four days for your acquiring bank to transfer funds from your merchant bank account.
Carefully control access to the credit service. Do not request this service directly from your customer interface. Instead, incorporate this service as part of your customer service process.

Endpoint

Production:
POST
https://api.visaacceptance.com
/pts/v2/credits/
Test:
POST
https://apitest.visaacceptance.com
/pts/v2/credits/
Mass Transit Payment Services Using EMV and Card Data