Authorizations

This section provides the information you need to process a basic authorization.

All supported card types can process authorizations. See Payment Processors for information about supported card types.

Supported Processors

Chase Paymentech Solutions
Elavon Americas
FDC Nashville Global
Fiserv RapidConnect
Streamline
Worldpay VAP

Processor-Specific Information

FDC Nashville Global

Merchant category codes: when your business signs up with , assigns your account a merchant category code (MCC) based on your primary business type. sends this MCC to the card networks with every transaction you process. If you process a transaction that is unrelated to your usual goods or services, include the merchantInformation.categoryCode field and set it to the relevant MCC. and FDC Nashville Global do not validate the MCC you send. Using an incorrect MCC can result in increased decline rates, interchange downgrades, or fines. To verify the correct MCC, contact your account manager.

Declined Authorizations

If an authorization is declined, you can use response categories to help you decide whether to retry or block a declined transaction. These response fields provide additional information:

paymentInsightsInformation.responseInsights.category
paymentInsightsInformation.responseInsights.categoryCode

Category codes have possible values (such as 01) each of which corresponds to a category that contains a description.

You cannot retry this category code and category:

01 ISSUER_WILL_NEVER_APPROVE

For these values, you can retry the transaction a maximum of 15 times over a period of 30 days:

02 ISSUER_CANNOT_APPROVE_AT_THIS_TIME
03 ISSUER_CANNOT_APPROVE_WITH_THESE_DETAILS: Data quality issue. Revalidate data prior to retrying the transaction.
04 GENERIC_ERROR
97 PAYMENT_INSIGHTS_INTERNAL_ERROR
98 OTHERS
99 PAYMENT_INSIGHTS_RESPONSE_CATEGORY_MATCH_NOT_FOUND

Endpoints

POST /pts/v2/payments

Example

Standard Example

{    "orderInformation": {        "billTo": {            "country": "US",            "lastName": "Kim",            "address1": "201 S. Division St.",            "postalCode": "48104-2201",            "locality": "Ann Arbor",            "administrativeArea": "MI",            "firstName": "Kyong-Jin",            "email": ""        },        "amountDetails": {            "totalAmount": "100.00",            "currency": "usd"        }    },    "paymentInformation": {        "card": {            "expirationYear": "2030",            "number": "CARD_NUMBER",            "expirationMonth": "12",            "type": "001"        }    }}

{  "_links" : {    "authReversal" : {      "method" : "POST",      "href" : "/pts/v2/payments/6461731521426399003473/reversals"    },    "self" : {      "method" : "GET",      "href" : "/pts/v2/payments/6461731521426399003473"    },    "capture" : {      "method" : "POST",      "href" : "/pts/v2/payments/6461731521426399003473/captures"    }  },  "clientReferenceInformation" : {    "code" : "1646173152047"  },  "id" : "6461731521426399003473",  "orderInformation" : {    "amountDetails" : {      "authorizedAmount" : "100.00",      "currency" : "usd"    }  },  "paymentAccountInformation" : {    "card" : {      "type" : "001"    }  },  "paymentInformation" : {    "tokenizedCard" : {      "type" : "001"    },    "card" : {      "type" : "001"    }  },  "paymentInsightsInformation" : {    "responseInsights" : {      "categoryCode" : "01"    }  },  "processorInformation" : {    "systemTraceAuditNumber" : "862481",    "approvalCode" : "831000",    "merchantAdvice" : {      "code" : "01",      "codeRaw" : "M001"    },    "responseDetails" : "ABC",    "networkTransactionId" : "016153570198200",    "consumerAuthenticationResponse" : {      "code" : "2",      "codeRaw" : "2"    },    "transactionId" : "016153570198200",    "responseCode" : "00",    "avs" : {      "code" : "Y",      "codeRaw" : "Y"    }  },  "reconciliationId" : "6461731521426399003473",  "status" : "AUTHORIZED",  "submitTimeUtc" : "2026-03-01T22:19:12Z"}

{  "clientReferenceInformation": {    "code": "TC50171_3"  },  "errorInformation": {    "reason": "PROCESSOR_ERROR",    "message": "Invalid account"  },  "id": "6583553837826789303954",  "paymentInsightsInformation": {    "responseInsights": {      "categoryCode": "01",      "category": "ISSUER_WILL_NEVER_APPROVE"    }  },  "pointOfSaleInformation": {    "amexCapnData": "1009S0600100"  },  "processorInformation": {    "systemTraceAuditNumber": "004544",    "merchantNumber": "1231231222",    "networkTransactionId": "431736869536459",    "transactionId": "431736869536459",   "responseCode": "111",    "avs": {      "code": "Y",      "codeRaw": "Y"    }  },  "status": "DECLINED"}

Required Fields

Default Required Fields

Field	Description
`orderInformation.amountDetails.currency`
`orderInformation.amountDetails.totalAmount`	—
`orderInformation.billTo.address1`	—
`orderInformation.billTo.administrativeArea`	—
`orderInformation.billTo.country`	—
`orderInformation.billTo.email`	—
`orderInformation.billTo.firstName`	—
`orderInformation.billTo.lastName`	—
`orderInformation.billTo.locality`	—
`orderInformation.billTo.postalCode`	—
`paymentInformation.card.expirationMonth`	—
`paymentInformation.card.expirationYear`	—
`paymentInformation.card.number`	—

Country-Specific Required Fields

Argentina

Field	Description
`merchantInformation.taxId`	Required for Mastercard transactions.
`merchantInformation.transactionLocalDateTime`	Required when the time zone is not included in your account. Otherwise, this field is optional.

Brazil

Field	Description
`paymentInformation.card.sourceAccountType`	Required for combo card transactions.
`paymentInformation.card.sourceAccountTypeDetails`	Required for combo card line-of-credit and prepaid-card transactions.

Chile and Paraguay

Field	Description
`merchantInformation.transactionLocalDateTime`	Required when the time zone is not included in your account. Otherwise, this field is optional.

Egypt

Field	Description
`paymentInformation.card.cardType`	Required for Meeza transactions. Set the value to `067`.
`merchantInformation.merchantDescriptor.country`	Required for Meeza transactions. Set the value to `EG`.

Mainland China

Field	Description
`consumerAuthenticationInformation.cavv`	Required for domestic debit cards.

Saudi Arabia

Field	Description
`processingInformation.authorizationOptions.transactionMode`	Required only for merchants in Saudi Arabia.

Taiwan

Field	Description
`paymentInformation.card.hashedNumber`	Required only for merchants in Taiwan.

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Last published: October 28, 2026