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Mass Transit Stand-Alone Credit with a Token {#um-processing-credit-tkn-intro}
==============================================================================

This section describes how to process a stand-alone credit with a token.  
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.

> WARNING Follow the preceding guidelines to prevent unauthorized credits.

Endpoint
--------

**Test:** `POST ``https://apitest.visaacceptance.com``/pts/v2/credits`  
**Production:** `POST ``https://api.visaacceptance.com``/pts/v2/credits`

Required Fields for a Stand-Alone Credit with a Token Using the REST API {#um-processing-credit-tkn-reqd-fields}
================================================================================================================

clientReferenceInformation.partner.thirdPartyCertificationNumber
:

clientReferenceInformation.transactionId
:

orderInformation.amountDetails.currency
:

orderInformation.amountDetails.totalAmount
:

paymentInformation.card.expirationMonth
:

paymentInformation.card.expirationYear
:

paymentInformation.card.type
:

paymentInformation.instrumentIdentifier.id
:

REST Example: Performing a Stand-Alone Credit with a Token {#um-processing-credit-tkn-ex-rest}
==============================================================================================

Request

```
{
    "clientReferenceInformation": {
        "transactionId": "43987654321",
        "partner": {
            "thirdPartyCertificationNumber": "123456789012"
        }
    },
    "paymentInformation": {
        "card": {
            "expirationMonth": "03",
            "expirationYear": "2031",
            "type": "001"
        },
        "instrumentIdentifier": {
            "id": "DCED1B858116F177E053AF598E0AA10A"
        }
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount"
: "200.00",
            "currency": "THB"
        }
    }
}
```

Response to a Successful Request

```
{
    "_links": {
        "void": {
            "method": "POST",
            "href": "/pts/v2/credits/6502828338426145304001/voids"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/credits/6502828338426145304001"
        }
    },
    "clientReferenceInformation": {
        "code": "12345678",
        "transactionId": "43987654321"
    },
    "creditAmountDetails": {
        "currency": "THB",
        "creditAmount": "200.00"
    },
    "id": "6502828338426145304001",
    "orderInformation": {
        "amountDetails": {
            "currency": "THB"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "001"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "001"
        },
        "instrumentIdentifier": {
            "id": "DCED1B858116F177E053AF598E0AA10A",
            "state": "ACTIVE"
        },
        "card": {
            "type": "001"
        }
    },
    "reconciliationId": "6502828338426145304001",
    "status": "PENDING",
    "submitTimeUtc": "2022-04-18T11:53:54Z"
}
```

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