Required Fields for Authorizations for Debt Recovery

This table compares the fields required for tap-initiated and merchant-initiated (MIT) authorizations for debt recovery:

`REST` API Field	Tap-Initiated	MIT	Information/Value
`clientReferenceInformation.code`	yes	yes	—
`clientReferenceInformation.comments`	yes	yes	For this value, see Mass Transit Transaction Types.
`clientReferenceInformation.partner.solutionId`	yes	yes	provides the value for this field.
`clientReferenceInformation.partner.thirdPartyCertificationNumber`	yes	yes	provides the value for this field.
`clientReferenceInformation.transactionId`	yes	yes	—
`orderInformation.amountDetails.currency`	yes	yes	—
`orderInformation.amountDetails.totalAmount`	yes	yes	—
`paymentInformation.card.expirationMonth`	no	yes	—
`paymentInformation.card.expirationYear`	no	yes	—
`paymentInformation.card.number`	no	yes	—
`paymentInformation.card.type`	yes	yes	—
`pointOfSaleInformation.catLevel`	yes	no	Set this field to `2`.
`pointOfSaleInformation.emv.cardSequenceNumber`	yes	no	Set this field to `1`.
`pointOfSaleInformation.emv.tags`	yes	no	—
`pointOfSaleInformation.entryMode`	yes	no	Set this field to `contactless`.
`pointOfSaleInformation.terminalCapability`	yes	no	Set this field to `5`.
`pointOfSaleInformation.terminalId`	yes	no	—
`pointOfSaleInformation.terminalPinCapability`	yes	no	Set this field to `0`.
`pointOfSaleInformation.trackData`	yes	no	—
`processingInformation.authorizationOptions.debtRecoveryIndicator`	yes	yes	Set this field to `true`.
`processingInformation.authorizationOptions.deferredAuthIndicator`	yes	no	Set this field to `true`.
`processingInformation.authorizationOptions.ignoreAvsResult`	no	yes	Set this field to `true`.
`processingInformation.authorizationOptions.ignoreCvResult`	no	yes	Set this field to `true`.
`processingInformation.authorizationOptions.initiator.credentialStoredOnFile`	no	yes	Set this field to `false`.
`processingInformation.authorizationOptions.initiator. merchantInitiatedTransaction.previousTransactionId`	no	yes	—
`processingInformation.authorizationOptions.initiator. merchantInitiatedTransaction.reason`	no	yes	Set this field to `1`.
`processingInformation.authorizationOptions.initiator.storedCredentialUsed`	no	yes	Set this field to `true`.
`processingInformation.authorizationOptions.initiator.type`	no	yes	Set this field to `merchant`.
`processingInformation.captureOptions.dateToCapture`	yes	no	—
`processingInformation.commerceIndicator`	yes	yes	Set this field to `retail`.
`processingInformation.industryDataType`	yes	yes	Set this field to `transit`.

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Last published: October 28, 2026

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