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

Example: Mastercard Tap-Initiated Sale for Debt Recovery with EMV Data Using the REST API

Request

{
    "clientReferenceInformation": {
        "comments": "TransitDA Debt recovery tap sale",
        "code": "10000575MC",
        "transactionId": "20000575MC",
        "partner": {
            "thirdPartyCertificationNumber": "BPCDRC220403",
            "solutionId": "548UHQ8Z"
        }
    },
    "processingInformation": {
        "industryDataType": "transit",
        "commerceIndicator": "retail",
        "capture": "true",
        "captureOptions": {
            "dateToCapture": "0425"
        },
        "authorizationOptions": {
            "authIndicator": "1",
            "debtRecoveryIndicator": "true",
            "transportationMode": "00"
        }
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "10.00",
            "currency": "EUR"
        }
    },
    "paymentInformation": {
        "card": {
            "type": "002"
        },
        "initiationChannel": "00"
    },
    "pointOfSaleInformation": {
        "terminalId": "12345678",
        "catLevel": "2",
        "entryMode": "contactless",
        "terminalCapability": "5",
        "terminalPinCapability": "0", 
        "emv": {
            "tags": "5F2A0209768407A00000000410109F360200039F03060000000000009C01005F3401019F10120110A0000F040000000000000000000000FF9F33030008C89A032204259F2608093A260A58500E949F2701809F020600000000010082021B809F34033F00029F1A0209769F37046F4D8104950500200000019F6E06005601023030"
        },
        "trackData": ";5413XXXXXXXXXXXX=49122010123456789?",
        "serviceCode": "201"
    }
}

Response to a Declined Request

{
    "_links": {
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/650887802747651300400"
        }
    },
    "clientReferenceInformation": {
        "code": "10000575MC",
        "partner": {
           "solutionId": "548UHQ8Z"
        },
        "transactionId": "20000575MC"
    },
    "errorInformation": {
        "reason": "PROCESSOR_DECLINED",
        "message": "Decline - General decline of the card. No other information provided by the issuing bank."
    },
    "id": "650887802747651300400",
    "pointOfSaleInformation": {
        "emv": {
            "tags": "9F36020015910AB58D60185BEF0247303072179F180430303031860E04DA9F580903B1BAEDFD1438BA48"
        }
    },
    "processorInformation": {
        "systemTraceAuditNumber": "162956",
        "networktransactionId": "016153570198200",
        "retrievalReferenceNumber": "211511162956",
        "transactionId": "016153570198200",
        "responseCode": "05",
        "avs": {
            "code": "2"
        }
    },
    "status": "DECLINED"
}

Tap-Initiated Sales for Debt Recovery with EMV Data

Example: Tap-Initiated Sale for Debt Recovery with EMV Data Using the REST API

Request

{
    "clientReferenceInformation": {
        "comments": "TransitDA Debt recovery tap sale",
        "code": "10000575",
        "transactionId": "20000575",
        "partner": {
            "thirdPartyCertificationNumber": "BPCDRC220403",
            "solutionId": "548UHQ8Z"
        }
    },
    "processingInformation": {
        "industryDataType": "transit",
        "commerceIndicator": "retail",
        "capture": "true",
        "captureOptions": {
            "dateToCapture": "0425"
        },
        "authorizationOptions": {
            "authIndicator": "1",
            "debtRecoveryIndicator": "true",
            "deferredAuthIndicator": "true",
            "transportationMode": "00"
        }
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "10.00",
            "currency": "EUR"
        }
    },
    "paymentInformation": {
        "card": {
            "type": "001"
        },
        "initiationChannel": "00"
    },
    "pointOfSaleInformation": {
        "terminalId": "12345678",
        "catLevel": "2",
        "entryMode": "contactless",
        "terminalCapability": "5",
        "terminalPinCapability": "0", 
        "emv": {
            "tags": "5F2A0209768407A00000000410109F360200039F03060000000000009C01005F3401019F10120110A0000F040000000000000000000000FF9F33030008C89A032204259F2608093A260A58500E949F2701809F020600000000010082021B809F34033F00029F1A0209769F37046F4D8104950500200000019F6E06005601023030"
        },
        "trackData": ";4413XXXXXXXXXXXX=49122010123456789?",
        "serviceCode": "201"
    }
}

Response to a Declined Request

{
    "_links": {
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/6508878027476513004004"
        }
    },
    "clientReferenceInformation": {
        "code": "10000575",
        "partner": {
           "solutionId": "548UHQ8Z"
        },
        "transactionId": "20000575"
    },
    "errorInformation": {
        "reason": "PROCESSOR_DECLINED",
        "message": "Decline - General decline of the card. No other information provided by the issuing bank."
    },
    "id": "6508878027476513004004",
    "pointOfSaleInformation": {
        "emv": {
            "tags": "9F36020015910AB58D60185BEF0247303072179F180430303031860E04DA9F580903B1BAEDFD1438BA48"
        }
    },
    "processorInformation": {
        "systemTraceAuditNumber": "162956",
        "networktransactionId": "016153570198200",
        "retrievalReferenceNumber": "211511162956",
        "transactionId": "016153570198200",
        "responseCode": "05",
        "avs": {
            "code": "2"
        }
    },
    "status": "DECLINED"
}

Tap-Initiated Sales for Debt Recovery with EMV Data