Visa Account Verification Request

Use this information to process a Visa account verification request (AVR) with EMV data for a zero amount.

Endpoints

POST /pts/v2/payments

Example

{  "clientReferenceInformation": {    "comments": "TransitDA BAU zero value auth",    "code": "10000564",    "transactionId": "20000564",    "partner": {      "thirdPartyCertificationNumber": "BPCDRC220403",      "solutionId": "548UHQ8Z"    }  },  "processingInformation": {    "capture": "false",    "commerceIndicator": "retail"  },  "orderInformation": {    "amountDetails": {      "totalAmount": "0.00",      "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?"  }}

{  "_links": {    "authReversal": {      "method": "POST",      "href": "/pts/v2/payments/6508875466126538104002/reversals"    },    "self": {      "method": "GET",      "href": "/pts/v2/payments/6508875466126538104002"    },    "capture": {      "method": "POST",      "href": "/pts/v2/payments/6508875466126538104002/captures"    }  },  "clientReferenceInformation": {    "code": "10000564",    "partner": {      "solutionId": "548UHQ8Z"    },    "transactionId": "20000564"  },  "id": "6508875466126538104002",  "orderInformation": {    "amountDetails": {      "authorizedAmount": "0.00",      "currency": "EUR"    }  },  "paymentAccountInformation": {    "card": {      "type": "001"    }  },  "paymentInformation": {    "tokenizedCard": {      "type": "001"    },    "card": {      "type": "001"    }  },  "processorInformation": {    "systemTraceAuditNumber": "162930",    "approvalCode": "831000",    "merchantAdvice": {      "code": "01",      "codeRaw": "M001"    },    "responseDetails": "ABC",    "networkTransactionId": "016153570198200",    "retrievalReferenceNumber": "211511162930",    "consumerAuthenticationResponse": {      "code": "2",      "codeRaw": "2"    },    "transactionId": "016153570198200",    "responseCode": "00",    "avs": {      "code": "Y",      "codeRaw": "Y"    }  },  "reconciliationId": "6508875466126538104002",  "status": "AUTHORIZED",  "submitTimeUtc": "2022-04-25T11:52:26Z"}

{  "_links": {    "self": {      "method": "GET",      "href": "/pts/v2/payments/6508876049646556304003"    }  },  "clientReferenceInformation": {    "code": "10000566",    "partner": {      "solutionId": "548UHQ8Z"    },    "transactionId": "20000566"  },  "errorInformation": {    "reason": "AUTH_DECLINE_CAPTURE_POSSIBLE",    "message": "Authorization Declined. Follow-on Capture can be processed."  },  "id": "6508876049646556304003",  "pointOfSaleInformation": {    "emv": {      "tags": "9F36020015910AB58D60185BEF0247303072179F180430303031860E04DA9F580903B1BAEDFD1438BA48"    }  },  "processorInformation": {    "systemTraceAuditNumber": "162936",    "networkTransactionId": "016153570198200",    "retrievalReferenceNumber": "211511162936",    "transactionId": "016153570198200",    "responseCode": "05",    "avs": {      "code": "2"    }  },  "status": "DECLINED"}

Field	Type	Description
`clientReferenceInformation.code`
`clientReferenceInformation.comments`		Set this field to `TransitDA BAU zero value auth`.
`clientReferenceInformation.partner.solutionId`		provides the value for this field.
`clientReferenceInformation.partner.thirdPartyCertificationNumber`		provides the value for this field.
`clientReferenceInformation.transactionId`
`orderInformation.amountDetails.currency`
`orderInformation.amountDetails.totalAmount`		Set this field to `0.00`.
`paymentInformation.card.type`		Set this field to `001`.
`pointOfSaleInformation.catLevel`		Set this field to `2`.
`pointOfSaleInformation.emv.cardSequenceNumber`
`pointOfSaleInformation.emv.tags`
`pointOfSaleInformation.entryMode`		Set this field to `contactless`.
`pointOfSaleInformation.terminalCapability`		Set this field to `5`.
`pointOfSaleInformation.terminalId`
`pointOfSaleInformation.terminalPinCapability`		Set this field to `0`.
`pointOfSaleInformation.trackData`
`processingInformation.commerceIndicator`		Set this field to `retail`.

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Last published: October 28, 2026

Endpoints

Example

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