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

Example: Merchant-Initiated Authorization for Debt Recovery with Stored Card Data

Request

{
    "clientReferenceInformation": {
        "comments": "TransitDA Debt recovery MIT auth",
        "code": "10000596",
        "transactionId": "20000596",
        "partner": {
            "thirdPartyCertificationNumber": "BPCDRC220403",
            "solutionId": "548UHQ8Z"
        }
    },
    "processingInformation": {
        "commerceIndicator": "moto",
        "industryDataType": "transit",
        "capture": "false",
        "authorizationOptions": {
            "debtRecoveryIndicator": "true",
            "ignoreAvsResult": "true",
            "ignoreCvResult": "true",
            "initiator": {
                "type": "merchant",
                "credentialStoredOnFile": "false",
                "storedCredentialUsed": "true",
                "merchantInitiatedTransaction": {
                    "reason": "1",
                    "previousTransactionId": "016153570198200"
                }
            }
        }
    },
    "paymentInformation": {
        "card": {
            "number": "476173XXXXXXXXXX",
            "expirationMonth": "12",
            "expirationYear": "2024",
            "type": "001"
        }
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "10.00",
            "currency": "EUR"
        }
    }
}

Response to a Declined Request

{
    "_links": {
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/6508883374816631904001"
        }
    },
    "clientReferenceInformation": {
        "code": "10000596",
        "partner": {
            "solutionId": "548UHQ8Z"
        },
        "transactionId": "20000596"
    },
    "errorInformation": {
        "reason": "PROCESSOR_DECLINED",
        "message": "Decline - General decline of the card. No other information provided by the issuing bank."
    },
    "id": "6508883374816631904001",
    "pointOfSaleInformation": {
        "emv": {
            "tags": "9F36020015910AB58D60185BEF0247303072179F180430303031860E04DA9F580903B1BAEDFD1438BA48"
        }
    },
    "processorInformation": {
        "systemTraceAuditNumber": "164869",
        "networktransactionId": "016153570198200",
        "retrievalReferenceNumber": "211512164869",
        "transactionId": "016153570198200",
        "responseCode": "05",
        "avs": {
            "code": "1"
        }
    },
    "status": "DECLINED"
}

Merchant-Initiated Authorizations for Debt Recovery with Stored Card Data