Debit and Prepaid Authorizations

This section shows you how to process an authorization using debit and prepaid cards using credit card services.

Requirement

To process domestic debit transactions on with Mastercard in Canada, you must contact customer support to have your account configured for this feature.

Supported Processors

Chase Paymentech Solutions
Elavon Americas
FDC Nashville Global
Streamline
Worldpay VAP

Processor-Specific Information

FDC Nashville Global: the debit card transaction response includes these routing information fields:

processorInformation.routing.network
processorInformation.routing.networkName
processorInformation.routing.customerSignatureRequired

Endpoints

POST /pts/v2/payments

Example

{  "orderInformation": {    "billTo": {      "country": "US",      "firstName": "John",      "lastName": "Deo",      "address1": "901 Metro Center Blvd",      "postalCode": "40500",      "locality": "Foster City",      "administrativeArea": "CA",      "email": ""    },    "amountDetails": {      "totalAmount": "100.00",      "currency": "USD"    }  },  "paymentInformation": {    "card": {      "expirationYear": "2030",      "number": "CARD_NUMBER",      "securityCode": "123",      "expirationMonth": "12",      "type": "001"    }  }}

{  "_links": {    "authReversal": {      "method": "POST",      "href": "/pts/v2/payments/6595482584316313203494/reversals"    },    "self": {      "method": "GET",      "href": "/pts/v2/payments/6595482584316313203494"    },    "capture": {      "method": "POST",      "href": "/pts/v2/payments/6595482584316313203494/captures"    }  },  "clientReferenceInformation": {    "code": "RTS-Auth"  },  "consumerAuthenticationInformation": {    "token": "Axj/7wSTZYq1MhJBMfMmAEQs2auWrRwyauGjNi2ZsWbJgzaOWiaVA+JbKAU0qB8S2VpA6cQIp4ZNvG2YbC9eM4E5NlirUyEkEx8yYAAA4A1c"  },  "id": "6595482584316313203494",  "orderInformation": {    "amountDetails": {      "authorizedAmount": "100.00",      "currency": "USD"    }  },  "paymentAccountInformation": {    "card": {      "type": "001"    }  },  "paymentInformation": {    "tokenizedCard": {      "type": "001"    },    "card": {      "type": "001"    }  },  "processorInformation": {    "systemTraceAuditNumber": "853428",    "approvalCode": "831000",    "cardVerification": {      "resultCodeRaw": "M",      "resultCode": "M"    },    "merchantAdvice": {      "code": "01",      "codeRaw": "M001"    },    "responseDetails": "ABC",    "networkTransactionId": "016153570198200",    "retrievalReferenceNumber": "221517853428",    "consumerAuthenticationResponse": {      "code": "2",      "codeRaw": "2"    },    "transactionId": "016153570198200",    "responseCode": "00",    "avs": {      "code": "Y",      "codeRaw": "Y"    }  }}

Required Fields

These fields are required for a successful debit or prepaid authorization.

Field	Description
`clientReferenceInformation.code`	Order reference or tracking number. Provide a unique value for each transaction so that you can perform meaningful searches for the transaction.
`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`	—
`paymentInformation.card.type`	—

Country-Specific Required Fields

Argentina

Field	Description
`merchantInformation.taxId`	required for Mastercard transactions.
`merchantInformation.transactionLocalDateTime`	required in Argentina 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.taxId`	required for Mastercard transactions.

Mainland China

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

Saudi Arabia

Field	Description
`processingInformation.authorizationOptions.transactionMode`	—

Taiwan

Field	Description
`paymentInformation.card.hashedNumber`	—

Optional Field

You can use this optional field to include additional information when processing debit and prepaid authorizations.

Optional Field

Field	Description
`processingInformation.linkId`	set this field to the request ID that was returned in the response message from the original authorization request.

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Last published: October 28, 2026

Requirement

Supported Processors

Processor-Specific Information

Endpoints

Example

Required Fields

Country-Specific Required Fields

Argentina

Brazil

Chile and Paraguay

Mainland China

Saudi Arabia

Taiwan

Optional Field

Not available for your audience