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

Example: American Express Account Status Check Authorization with EMV Data

Request
{ 
   "orderInformation": { 
      "amountDetails": { 
         "currency": "EUR", 
         "totalAmount": "3.00" 
      } 
   }, 
   "paymentInformation": { 
      "card": { 
         "type": "003" 
      } 
   }, 
   "processingInformation": { 
      "capture": false, 
      "captureOptions": { 
         "dateToCapture": "0901" 
      }, 
      "industryDataType": "transit", 
      "commerceIndicator": "retail", 
      "authorizationOptions": { 
         "partialAuthIndicator": false, 
         "deferredAuthIndicator": true, 
         "aggregatedAuthIndicator": true 
      } 
   }, 
   "pointOfSaleInformation": { 
      "emv": { 
         "tags": "9A032309019C01005F2A0209789F1A0203809F02060000000000009F03060000000000009F36020002820219C08408A000000025010901950500000080009F100706020103A400029F2608D89D7C3CA015E11C9F2701809F33030008889F34031F02029F3704A5CCF3EE9F6E04180000E05F340100", 
         "cardSequenceNumber": "00" 
      }, 
      "catLevel": "2", 
      "entryMode": "contactless", 
      "trackData": ";374245XXXXXXXXXX=241270115041234500000?", 
      "terminalId": "12345678", 
      "terminalCapability": "5", 
      "terminalPinCapability": "0" 
   }, 
   "clientReferenceInformation": { 
      "comments": "TransitDA BAU nominal value auth",
      "code": "v7qWAImW6e", 
      "partner": { 
         "solutionId": "BUALWMZK", 
         "thirdPartyCertificationNumber": "condue211609" 
      }, 
      "transactionId": "Fg1xkLJGMmmmvwbB9qWAImW6e" 
   } 
}
Response to a Successful Request
{ 
   "_links": { 
      "authReversal": { 
         "method": "POST", 
         "href": "/pts/v2/payments/6984001952686181104951/reversals" 
      }, 
      "self": { 
         "method": "GET",
         "href": "/pts/v2/payments/6984001952686181104951" 
      },
      "capture": {
         "method": "POST",
         "href": "/pts/v2/payments/6984001952686181104951/captures"
      }
   },
   "clientReferenceInformation": { 
      "code": "v7qWAImW6e", 
      "partner": { 
         "solutionId": "BUALWMZK"
      }, 
      "transactionId": "Fg1xkLJGMmmmvwbB9qWAImW6e" 
   },
   "id": "6984001952686181104951", 
   "orderInformation": { 
      "amountDetails": {
         "authorizedAmount": "3.00", 
         "currency": "EUR"
      } 
   }, 
   "paymentAccountInformation": { 
      "card": {
         "type": "003" 
      } 
   }, 
   "paymentInformation": { 
      "accountFeatures": { 
         "category": "AX", 
         "group": "0" 
      }, 
      "tokenizedCard": { 
         "type": "003" 
      }, 
      "card": { 
         "type": "003" 
      } 
   }, 
   "pointOfSaleInformation": { 
      "emv": { 
         "tags": "9F2701809F34031F02025F340100" 
      } 
   },
   "processorInformation": {
      "systemTraceAuditNumber": "037806", 
       "approvalCode": "845614",
      "networktransactionId": "001032401292273",
      "retrievalReferenceNumber": "330009037806", 
      "transactionId": "001032401292273", 
      "responseCode": "00",
      "avs": { 
         "code": "2" 
      } 
   },
   "reconciliationId": "6984001952686181104951", 
   "status": "AUTHORIZED", 
   "submitTimeUtc": "2023-10-27T09:49:56Z" 
}
American Express Authorization with EMV Data

Example: American Express Delayed Online Authorization with EMV Data

Request
{ 
   "orderInformation": { 
      "amountDetails": { 
         "currency": "EUR", 
         "totalAmount": "8.00" 
      } 
   }, 
   "paymentInformation": { 
      "card": { 
         "type": "003" 
      } 
   }, 
   "processingInformation": { 
      "captureOptions": { 
         "dateToCapture": "0901" 
      }, 
      "industryDataType": "transit", 
      "commerceIndicator": "retail"
      } 
   }, 
   "pointOfSaleInformation": { 
      "emv": { 
         "tags": "9A032309019C01005F2A0209789F1A0203809F02060000000000009F03060000000000009F36020002820219C08408A000000025010901950500000080009F100706020103A400029F2608D89D7C3CA015E11C9F2701809F33030008889F34031F02029F3704A5CCF3EE9F6E04180000E05F340100", 
         "cardSequenceNumber": "00" 
      }, 
      "catLevel": "2", 
      "entryMode": "contactless", 
      "trackData": ";341111XXXXXXXXXX=241270215041234500000?", 
      "terminalId": "12345678", 
      "terminalCapability": "5", 
      "terminalPinCapability": "0" 
   }, 
   "clientReferenceInformation": { 
      "comments": "TransitDA BAU full value auth",
      "code": "v7qWAImW6e", 
      "partner": { 
         "solutionId": "BUALWMZK", 
         "thirdPartyCertificationNumber": "condue211609" 
      }, 
      "transactionId": "Fg1xkLJGMmmmvwbB9qWAImW6e" 
   } 
}
Response to a Successful Request
{
   "_links": { 
      "authReversal": {
         "method": "POST", 
                "href": "/pts/v2/payments/6984003567376178404953/reversals" 
           }, 
           "self": { 
                "method": "GET", 
                "href": "/pts/v2/payments/6984003567376178404953" 
           }, 
      "capture": { 
                "method": "POST", 
         "href": "/pts/v2/payments/6984003567376178404953/captures" 
      } 
   },
   "clientReferenceInformation": { 
      "code": "v7qWAImW6e", 
      "partner": { 
         "solutionId": "BUALWMZK" 
      }, 
           "transactionId": "Fs8xkLJGNslmvwbZ9qWAImW6e" 
   }, 
   "id": "6984003567376178404953", 
   "orderInformation": {
      "amountDetails": { 
         "authorizedAmount": "8.00",
         "currency": "EUR"
      } 
   },
   "paymentAccountInformation": { 
      "card": {
         "type": "003"
      } 
   }, 
   "paymentInformation": { 
      "accountFeatures": { 
         "category": "AX", 
         "group": "0"
      },
      "tokenizedCard": { 
         "type": "003" 
      }, 
      "card": {
         "type": "003" 
      }
   },
   "pointOfSaleInformation": { 
      "emv": { 
         "tags": "9F2701809F34033F00005F340100910AEE43F0FD6F46AABF3030" 
      } 
   },
   "processorInformation": { 
      "systemTraceAuditNumber": "037809", 
      "approvalCode": "437964",
      "networktransactionId": "000002605437964",
      "retrievalReferenceNumber": "330009037809",
      "transactionId": "000002605437964",
      "responseCode": "00",
      "avs": {
         "code": "2"
      } 
   },
   "reconciliationId": "6984003567376178404953", 
   "status": "AUTHORIZED",
   "submitTimeUtc": "2023-10-27T09:52:39Z" 
}
American Express Authorization with EMV Data