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

Example: Tap-Initiated Authorization for Debt Recovery with EMV Data

Request

{
    "clientReferenceInformation": {
        "comments": "TransitDA Debt recovery tap auth",
        "code": "10000597",
        "transactionId": "20000597",
        "partner": {
            "thirdPartyCertificationNumber": "BPCDRC220403",
            "solutionId": "548UHQ8Z"
        }
    },
    "processingInformation": {
        "industryDataType": "transit",
        "captureOptions": {
            "dateToCapture": "0425"
        },
        "capture": "false",
        "commerceIndicator": "retail",
        "authorizationOptions": {
            "debtRecoveryIndicator": "true",
            "deferredAuthIndicator": "true"
        }
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "10.00",
            "currency": "EUR"
        }
    },
    "paymentInformation": {
        "card": {
            "type": "001"
        }
    },
    "pointOfSaleInformation": {
        "terminalId": "12345678",
        "catLevel": "2",
        "entryMode": "contactless",
        "terminalCapability": "5",
        "terminalPinCapability": "0",
        "emv": {
            "tags": "5F2A0209768407A00000000310109F360200029F03060000000000009C01005F3401019F10201F220100A00000000000000000000000000000000000000000000000000000009F33030008089A032204259F260845E978CEEC63154F9F2701409F0206000000000200820220209F34031F00009F1A0209769F6E04207000009F3704B257DA1495050000000000",
            "cardSequenceNumber": "1"
        },
        "trackData": ";476173XXXXXXXXXX=241220119058254?"
    }
}

Response to a Declined Request

{
    "_links": {
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/6508883585936636904003"
        }
    },
    "clientReferenceInformation": {
        "code": "10000597",
        "partner": {
            "solutionId": "548UHQ8Z"
        },
        "transactionId": "20000597"
    },
    "errorInformation": {
        "reason": "PROCESSOR_DECLINED",
        "message": "Decline - General decline of the card. No other information provided by the issuing bank."
    },
    "id": "6508883585936636904003",
    "pointOfSaleInformation": {
        "emv": {
            "tags": "9F36020015910AB58D60185BEF0247303072179F180430303031860E04DA9F580903B1BAEDFD1438BA48"
        }
    },
    "processorInformation": {
        "systemTraceAuditNumber": "163648",
        "networktransactionId": "016153570198200",
        "retrievalReferenceNumber": "211512163648",
        "transactionId": "016153570198200",
        "responseCode": "05",
        "avs": {
            "code": "2"
        }
    },
    "status": "DECLINED"
}

Tap-Initiated Authorization for Debt Recovery with EMV Data