Debit and Prepaid Card Payments

Debit cards are linked to a cardholder's checking account. The funds are taken out of the customer's bank account, and the transaction is included on the customer's bank account statement. The customer does not receive a credit card bill as with a regular credit card.

You can process debit cards using these services:

• Credit card services
• PIN debit services
• Partial authorizations, which are a special feature available for debit cards
• Balance inquiries, which are a special feature available for debit cards

Interchange Optimization

This feature is supported only for . Interchange fees are per-transaction transfer fees charged by your acquirer. The fee amount is based in part on the transaction amount that the acquirer submits to the payment network for clearing and settlement. Interchange optimization can help to reduce these fees for card-present transactions. See Merchant Financial Institutions (Acquirers) for information about acquirers.

Payment Processor and Cards

Interchange optimization is available on for Mastercard and Visa cards.

Automatic Authorizations

Interchange optimization works by automatically performing additional authorization transactions for two types of card-not-present scenarios:

• Automatic Authorization Refresh: if a capture request occurs more than 6 days after the date of the original authorization, the processor automatically obtains a fresh authorization for the capture amount.
• Automatic Partial Authorization Reversal: if the capture does not need a fresh authorization but the capture amount is less than the authorization amount, the processor automatically performs a partial authorization reversal. The reversal releases the hold on unused credit card funds and ensures that the settlement amount matches the authorization amount.

How Interchange Optimization Transactions Are Tracked

To find out when the processor performed automatic authorizations, see the daily processor report.

Limitations

Interchange optimization has these limitations:

• Interchange optimization does not apply to transactions in which the payment card is present at the merchant's physical place of business.
• Interchange optimization is not supported with incremental authorizations.

Requirement

Contact customer support to enable interchange optimization for your account.

Japanese Payment Options

Japanese payment options (JPO) extend the payment card processing features to support payment methods used only in Japan. Japanese issuers, cardholders, merchants, and acquirers recognize payment methods that clarify the nature of a payment. JPO provides for more fine-grained identification of one-time payments and installment payments. You can offer your customers JPO payment methods that they select at the time of purchase.

Processors and Payment Cards Available for JPO

For more information about Japanese payment options, contact Customer Support of KK (Japan).

See Japanese Payment Options for information about how to process payments using JPO.

Services Supported with JPO

: Authorization service.

Requirements

Before you implement Japanese payment options, confirm these requirements:

• You have signed a contract with your acquirer.
• You have contacted your account provider for details about contracts and funding cycles. The funding cycle could differ when using JPO.
• Cardholders who want to use JPO have signed a contract with an issuing bank.
• You have confirmed payment option availability with your account provider and cardholder before implementing one of these payment options.

Mastercard Bill Payments

In Brazil, you can participate in a Mastercard Bill Payment program. If your account is enrolled in the program, your customers can use their Mastercard payment cards to make payments on their outstanding bills.

When you send an authorization request for a Mastercard Bill Payment, include the API field that specifies the bill payment type.

See Mastercard Bill Payments for information about how to process Mastercard Bill Payments.

Supported Processor

Mastercard Bill Payments are available on .

Limitation

The Mastercard Bill Payment program supports only bills paid in Brazil using Mastercard payment cards.

Requirements

Sign up with Mastercard to participate in their bill payment program.

Mastercard Expert Monitoring Solutions

Mastercard Expert Monitoring Solutions provides a predictive, behavior-based fraud score in real time during authorizations for card-not-present transactions. The score indicates the likelihood that the requested transaction is fraudulent and the type of fraud that is suspected.

To assign the fraud score for a transaction, Mastercard compares the customer's transaction data to their transaction behavior history and to a regional card-not-present fraud detection model. The resulting score is returned in the body of the response message.

Supported Processor

Mastercard Expert Monitoring Solutions is available on .

Limitations

This feature is supported on Mastercard Payment cards issued in the US only.

See Mastercard Expert Monitoring Solutions for information about how to obtain the transaction fraud score determined by Mastercard Expert Monitoring Solutions.

Requirement

Contact customer support to enable Mastercard Expert Monitoring Solutions for your account.

Micropayments

Micropayments are payments for less than one unit in the transaction's currency. You can process micropayments using the authorization, capture, and refund services.

Payer Authentication

Payer authentication is run before a transaction is submitted for authorization. Most of the time payer authentication is bundled with authorization so that after payer authentication happens, the transaction is automatically submitted for authorization. Payer authentication and authorization can be configured to occur as separate operations.

Payer authentication consists of a two-step verification process that adds an extra layer of fraud protection during the payment process. During transactions, the transaction device, location, past purchasing habits, and other factors are analyzed for indications of fraud. This process collects customer data during the transaction from at least two of these three categories:

• Something you have: A payment card or a payment card number
• Something you know: A password or pin
• Something you are: Facial recognition or fingerprint

Each of these payment card companies has its own payer authentication product:

Payer authentication can be used to satisfy the Strong Customer Authentication (SCA) requirement of the Payment Services Directive (PSD2). SCA applies to the European Economic Area (EEA) and the United Kingdom. SCA requires banks to perform additional checks when customers make payments to confirm their identity.

Payment Account Reference

The Payment Account Reference (PAR) is a network-generated reference number that identifies a transaction for which you provided one of these:

• Primary account number (PAN)
• Network-generated token for a PAN

This reference number provides a link to the cardholder account and to all transactions for that account. It is returned in the response message for dual-message transactions and single-message PIN-debit transactions. The API field for this reference number is processorInformation.paymentAccountReferenceNumber.

Relaxed Requirements for Address Data and Expiration Date

With relaxed requirements for address data and the expiration date, not all standard payment request fields are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required.

See Relaxed Requirements for information about how to process payments with relaxed requirements for address data and expiration date.

Split Shipments

This feature is supported only for , Chase Tandem, and GPX. Split shipments enable you to split an order into multiple shipments with multiple captures. You can use this feature when a customer orders a product that is not yet available, or when one or some products are available but not all. You are able to request multiple partial captures for one authorization, multiple authorizations and one capture, or an authorization and a sale.

provides the split shipment services for authorizations and captures. There are three scenarios and actions you can take:

• Multiple authorizations: request more than one authorization; when the order is placed for the unavailable product and after the product becomes available to ship.
• Multiple partial captures: request an authorization, and then request multiple partial captures for the amount of the products you ship. When the remaining product becomes available, ship it and request another capture.
• Multiple authorizations with multiple partial captures: request more than one authorization and capture when all the products in the order are not available for immediate shipment. After the other products become available, request another authorization, and then a capture when you ship the remaining product.

How Split Shipments Transactions Are Linked

All transactions for a split shipment are linked together in the and in reports. When you split an order into multiple shipments with multiple partial captures, requests the additional authorizations for you.

Obtaining the Status of a System-Generated Authorization

A system-generated authorization can be declined for the same reasons that a regular authorization can be declined. recommends you use one of these methods to obtain the status of the system-generated authorization request before shipping the product:

• : Use the capture request ID to search for the follow-on capture. The details for all related transactions are displayed on the Transaction Details page. It can take a maximum of 6 hours for the status of the system-generated authorization request to be available.
• Transaction Detail API: You must use version 1.3 or later of the report and include the parameter includeExtendedDetail in your query. It can take a maximum of 6 hours for the status of the system-generated authorization request to be available.
• Transaction Exception Detail Report: recommends you use this report on a daily basis to identify transactions that were declined.

Additional Authorizations

When you need an additional authorization for an order, you can use the link-to-request field to link follow-on authorizations to the original authorization in addition to the basic fields required for every authorization request. The follow-on authorization is linked to the original authorization in the and in reports. The captures for these authorizations are also linked to the original authorization in the and in reports.

For an additional authorization on a processor that supports merchant-initiated transactions, the authorization request must include the subsequent authorization fields that are required for merchant-initiated transactions.

Additional Captures

When you need an additional capture for an order, performs a system-generated authorization for additional capture requests using the payment data from the original authorization. The system-generated authorization is linked to the original authorization in the and in reports. The captures are linked to the authorizations in the and in reports through the request IDs as with any capture.

See Authorizing a Sale for a Product Not Yet Available for guidelines on how to process a payment when a product is not available. See Processing an Authorization and Two Captures for Multiple Products or Processing Two Authorizations and a Capture for Multiple Products for guidelines on how to process payments for multiple products.

TMS links tokens across service providers, payment types, and channels for sellers, acquirers, and technology partners. TMS tokenizes, securely stores, and manages the primary account number (PAN), the payment card expiration date, electronic check details, and customer data. TMS also enables you to create a network token of a customer's payment card.

Visa Bill Payments

Visa provides a Bill Payment program that enables customers to use their Visa cards to pay their bills. When you participate in this program, Visa requests that you flag the bill payments and credits so they can be easily identified. The bill payment indicator is accepted no matter which processor you are using; do not use this indicator if you have not signed up with Visa to participate in the program.

See Visa Bill Payments for information that shows you how to process Visa Bill Payment transactions.

Requirement

Before you process Visa Bill Payments, you must sign up with Visa to participate in the program.

Supported Services

You can process Visa Bill Payments using the authorization service.

Fields Specific to this Use Case

Authorization: Include the processingInformation.authorizationOptions.billPayment field in a standard authorization request to process a Visa Bill Payment.

Visa Consumer Bill Payments

The Visa Consumer Bill Payment Service (CBPS) is an optional service that enables you to provide bill payment services to consumers using a Visa card. Cardholders can pay one or more of their bills in one transaction using a third-party intermediary rather than paying each bill separately. When you request a Visa CBPS authorization, you must include the processingInformation.businessApplicationId field set to CB. For Cielo and Getnet, also set the processingInformation.authorizationOptions.billPayment field to true.

See Visa Consumer Bill Payments for instructions that show you how to process a Visa Consumer Bill Payment.

Supported Service

You can process Visa Consumer Bill Payments using the authorization service.

Requirements

Before you process Visa CBPS payments, you must:

• Contact your acquirer to register your account for the Visa Consumer Bill Pay Service.
• Contact customer support to have your account configured for this feature.