Mastercard Payment Gateway API Reference: Operations -
Version 27,
Protocol: REST-JSON

Plan Offers Inquiry

Request to retrieve a set of payment plan offers for a payment plan so that they can be presented to the cardholder. After the cardholder has selected one of the payment plan offers, the merchant requests a Pay or Authorize transaction that includes the number of payments selected by the cardholder. The Plan Offers Inquiry operation is applicable to AMEX_PlanAmex plan type only, where the merchant is paid in full less applicable discount rate; and the cardholder is billed in installments plus the applicable interest rate. It is used for Plan Amex transactions in Brazil to satisfy statutory requirements where the merchant must provide the cardholder with information about the amount of interest charged

URL https://na.gateway.mastercard.com/api/rest/version/27/merchant/{merchantId}/paymentPlan/{planId}
HTTP Method PUT
Authentication This operation requires authentication via one of the following methods:
  • Certificate authentication.
  • Basic HTTP authentication as described at w3.org. Provide 'merchant.<your gateway merchant ID>' in the userid portion and your API password in the password portion.

Request Parameters

apiOperation  String =PLAN_OFFERS_INQUIRY FIXED

Existence
FIXED
Fixed value
PLAN_OFFERS_INQUIRY
Validation Rules
Any sequence of zero or more unicode characters.
XSD type
string

order   = COMPULSORY

Information about the order associated with this transaction.
Fixed value

order.amount  Decimal = COMPULSORY

The total amount for the order.
If you supply this value then you must provide order.currency to filter the response values.
Existence
COMPULSORY
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9 and '.' and represents a valid decimal number.
JSON type
String
minimum length
1
maximum length
14

order.currency  Upper case alphabetic text = COMPULSORY

The currency of the order expressed as an ISO 4217 alpha code, e.g. USD.
Existence
COMPULSORY
Fixed value
Validation Rules
Data must consist of the characters A-Z
JSON type
String
minimum length
3
maximum length
3

paymentPlan.numberOfPayments  Digits = COMPULSORY

The number of monthly payments payable by the cardholder.
Existence
COMPULSORY
Fixed value
Validation Rules
Data is a number between 1 and 99 represented as a string.
JSON type
String

apiOperation  String =PLAN_OFFERS_INQUIRY FIXED

Existence
FIXED
Fixed value
PLAN_OFFERS_INQUIRY
Validation Rules
Any sequence of zero or more unicode characters.
XSD type
string

correlationId  String = OPTIONAL

A transient identifier for the request, that can be used to match the response to the request.
The value provided is not validated, does not persist in the gateway, and is returned as provided in the response to the request.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
XSD type
string
minimum length
1
maximum length
100

order   = COMPULSORY

Information about the order associated with this transaction.
Fixed value

order.amount  Decimal = COMPULSORY

The total amount for the order.
If you supply this value then you must provide order.currency to filter the response values.
Existence
COMPULSORY
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9 and '.' and represents a valid decimal number.
JSON type
String
minimum length
1
maximum length
14

order.currency  Upper case alphabetic text = COMPULSORY

The currency of the order expressed as an ISO 4217 alpha code, e.g. USD.
Existence
COMPULSORY
Fixed value
Validation Rules
Data must consist of the characters A-Z
JSON type
String
minimum length
3
maximum length
3

paymentPlan.numberOfPayments  Digits = COMPULSORY

The number of monthly payments payable by the cardholder.
Existence
COMPULSORY
Fixed value
Validation Rules
Data is a number between 1 and 99 represented as a string.
JSON type
String

responseControls   = OPTIONAL

Container for fields that control the response returned for the request.
Fixed value

responseControls.sensitiveData  String = OPTIONAL

Indicates how sensitive data is returned in the response.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
50

session.id  ASCII Text = OPTIONAL

Identifier of the payment session containing values for any of the request fields to be used in this operation.
Values provided in the request will override values contained in the session.
Existence
OPTIONAL
Fixed value
Validation Rules
Data consists of ASCII characters
JSON type
String
minimum length
31
maximum length
35

session.version  ASCII Text = OPTIONAL

Use this field to implement optimistic locking of the session content.
Do this if you make business decisions based on data from the session and wish to ensure that the same data is being used for the request operation.

To use optimistic locking, record session.version when you make your decisions, and then pass that value in session.version when you submit your request operation to the gateway.

If session.version provided by you does not match that stored against the session, the gateway will reject the operation with error.cause=INVALID_REQUEST.

See Making Business Decisions Based on Session Content.
Existence
OPTIONAL
Fixed value
Validation Rules
Data consists of ASCII characters
JSON type
String
minimum length
10
maximum length
10

sourceOfFunds   = COMPULSORY

The details describing the source of the funds to be used.
For card payments these may be represented by combining one or more of the following: explicitly provided card details, a session identifier which the gateway will use to look up the card details and/or a card token. Precedence rules will be applied in that explicitly provided card details will override session card details which will override card token details. Each of these may represent partial card details, however the combination must result in a full and complete set of card details. See Using Multiple Sources of Card Details for examples.
Fixed value

sourceOfFunds.provided   = OPTIONAL

Information about the source of funds when it is directly provided (as opposed to via a token or session).
For browser payments, the source of funds details are usually collected from the payer on the payment provider's website and provided to you when you retrieve the transaction details (for a successful transaction). However, for some payment types (such as giropay), you must collect the information from the payer and supply it here.
Fixed value

sourceOfFunds.provided.card   = OPTIONAL

Details as shown on the card.
Fixed value

sourceOfFunds.provided.card.expiry   = OPTIONAL

Expiry date, as shown on the card.
Fixed value

sourceOfFunds.provided.card.expiry.month  Digits = COMPULSORY

Month, as shown on the card.
Months are numbered January=1, through to December=12.
Existence
COMPULSORY
Fixed value
Validation Rules
Data is a number between 1 and 12 represented as a string.
JSON type
String

sourceOfFunds.provided.card.expiry.year  Digits = COMPULSORY

Year, as shown on the card.
The Common Era year is 2000 plus this value.
Existence
COMPULSORY
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9.
JSON type
String
minimum length
2
maximum length
2

sourceOfFunds.provided.card.number  Digits = OPTIONAL

Credit card number as printed on the card.
Existence
OPTIONAL
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9.
JSON type
String
minimum length
9
maximum length
19

sourceOfFunds.provided.card.securityCode  Digits = OPTIONAL

Card verification code, as printed on the back or front of the card.
Existence
OPTIONAL
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9.
JSON type
String
minimum length
3
maximum length
4

sourceOfFunds.token  Alphanumeric = OPTIONAL

Uniquely identifies a card and associated details.
Existence
OPTIONAL
Fixed value
Validation Rules
Data may consist of the characters 0-9, a-z, A-Z
JSON type
String
minimum length
1
maximum length
40

{merchantId}  Alphanumeric + additional characters COMPULSORY

The unique identifier issued to you by your payment provider.
Existence
COMPULSORY
Validation Rules
Data may consist of the characters 0-9, a-z, A-Z, '-', '_'
XSD type
string
minimum length
1
maximum length
40

{planId}  String COMPULSORY

The identifier for the payment plan.
See Payment Plans for the supported payment plans and their identifiers.
Existence
COMPULSORY
Validation Rules
Data can consist of any characters
XSD type
string
minimum length
1
maximum length
40

Response Parameters

order   = Always Provided

Information about the order associated with this transaction.
Fixed value

order.amount  Decimal = Always Provided

The total amount for the order.
Existence
Always Provided
Fixed value
Validation Rules
Data is a decimal number.
JSON type
Number
maximum value
1000000000000
minimum value
0
maximum post-decimal digits
3

order.currency  Upper case alphabetic text = Always Provided

The currency of the order expressed as an ISO 4217 alpha code, e.g. USD.
Existence
Always Provided
Fixed value
Validation Rules
Data must consist of the characters A-Z
JSON type
String
minimum length
3
maximum length
3

paymentPlan   = Always Provided

Information about the payment plan including interest rate and the available payment plan offers.
Fixed value

paymentPlan.planId  String = Always Provided

The identifier for the payment plan.
See Payment Plans for the supported payment plans and their identifiers.
Existence
Always Provided
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
40

paymentPlan.planOffer[n]   = Always Provided

Information about the available payment plan offers.
For AMEX_PlanAmex plan type, up to 5 offers will be returned based on the requested number of payments. The response includes offer for the requested number of payments, as well as for 2 more and 2 less number of payments.
Fixed value

paymentPlan.planOffer[n].finalAmount  Decimal = Always Provided

The total amount payable by the cardholder, including interest for this plan.
The amount is expressed as a decimal number in the units of the currency. For example 12.34 in USD is the amount 12 dollars and 34 cents
Existence
Always Provided
Fixed value
Validation Rules
Data is a decimal number.
JSON type
Number
maximum value
1000000000000
minimum value
0
maximum post-decimal digits
3

paymentPlan.planOffer[n].numberOfPayments  Integer = Always Provided

The number of monthly payments payable by the cardholder.
Existence
Always Provided
Fixed value
Validation Rules
JSON number data type, restricted to being positive or zero. In addition, the represented number may have no fractional part.
JSON type
Number
minimum value
1
maximum value
99

paymentPlan.planOffer[n].paymentAmount  Decimal = Always Provided

The value of each monthly payment for this payment plan offer.
The amount is expressed as a decimal number in the units of the currency. For example 12.34 in USD is the amount 12 dollars and 34 cents.
Existence
Always Provided
Fixed value
Validation Rules
Data is a decimal number.
JSON type
Number
maximum value
1000000000000
minimum value
0
maximum post-decimal digits
3

response.gatewayCode  Enumeration = Always Provided

Summary of the success or otherwise of the proposed operation.
Existence
Always Provided
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
ABORTED
Transaction aborted by payer
ACQUIRER_SYSTEM_ERROR
Acquirer system error occurred processing the transaction
APPROVED
Transaction Approved
APPROVED_PENDING_SETTLEMENT
Transaction Approved - pending batch settlement
AUTHENTICATION_FAILED
Payer authentication failed
BLOCKED
Transaction blocked due to Risk or 3D Secure blocking rules
CANCELLED
Transaction cancelled by payer
DECLINED
The requested operation was not successful. For example, a payment was declined by issuer or payer authentication was not able to be successfully completed.
DECLINED_AVS
Transaction declined due to address verification
DECLINED_AVS_CSC
Transaction declined due to address verification and card security code
DECLINED_CSC
Transaction declined due to card security code
DECLINED_DO_NOT_CONTACT
Transaction declined - do not contact issuer
DECLINED_PAYMENT_PLAN
Transaction declined due to payment plan
DEFERRED_TRANSACTION_RECEIVED
Deferred transaction received and awaiting processing
DUPLICATE_BATCH
Transaction declined due to duplicate batch
EXCEEDED_RETRY_LIMIT
Transaction retry limit exceeded
EXPIRED_CARD
Transaction declined due to expired card
INSUFFICIENT_FUNDS
Transaction declined due to insufficient funds
INVALID_CSC
Invalid card security code
LOCK_FAILURE
Order locked - another transaction is in progress for this order
NOT_ENROLLED_3D_SECURE
Card holder is not enrolled in 3D Secure
NOT_SUPPORTED
Transaction type not supported
PENDING
Transaction is pending
REFERRED
Transaction declined - refer to issuer
SUBMITTED
The transaction has successfully been created in the gateway. It is either awaiting submission to the acquirer or has been submitted to the acquirer but the gateway has not yet received a response about the success or otherwise of the payment.
SYSTEM_ERROR
Internal system error occurred processing the transaction
TIMED_OUT
The gateway has timed out the request to the acquirer because it did not receive a response. You can handle the transaction as a declined transaction. Where possible the gateway will attempt to reverse the transaction.
UNKNOWN
The transaction has been submitted to the acquirer but the gateway was not able to find out about the success or otherwise of the payment. If the gateway subsequently finds out about the success of the payment it will update the response code.
UNSPECIFIED_FAILURE
Transaction could not be processed

result  Enumeration = Always Provided

A system-generated high level overall result of the operation.
Existence
Always Provided
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
FAILURE
The operation was declined or rejected by the gateway, acquirer or issuer
PENDING
The operation is currently in progress or pending processing
SUCCESS
The operation was successfully processed
UNKNOWN
The result of the operation is unknown

sourceOfFunds   = Always Provided

Details about the source of the funds for this payment.
Fixed value

sourceOfFunds.provided   = Always Provided

The details of the source of funds when they are directly provided as opposed to via a token or session.
Fixed value

sourceOfFunds.provided.card   = Always Provided

Details as shown on the card.
Fixed value

sourceOfFunds.provided.card.number  Masked digits = Always Provided

The account number embossed onto the card.
By default, the card number will be returned in 6.4 masking format, for example, 000000xxxxxx0000.If you wish to return unmasked card numbers, you must have the requisite permission, set responseControls.sensitiveData field to UNMASK, and authenticate your call to the API using certificate authentication.
Existence
Always Provided
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9, plus 'x' for masking
JSON type
String
minimum length
9
maximum length
19

correlationId  String = CONDITIONAL

A transient identifier for the request, that can be used to match the response to the request.
The value provided is not validated, does not persist in the gateway, and is returned as provided in the response to the request.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
XSD type
string
minimum length
1
maximum length
100

order   = Always Provided

Information about the order associated with this transaction.
Fixed value

order.amount  Decimal = Always Provided

The total amount for the order.
Existence
Always Provided
Fixed value
Validation Rules
Data is a decimal number.
JSON type
Number
maximum value
1000000000000
minimum value
0
maximum post-decimal digits
3

order.currency  Upper case alphabetic text = Always Provided

The currency of the order expressed as an ISO 4217 alpha code, e.g. USD.
Existence
Always Provided
Fixed value
Validation Rules
Data must consist of the characters A-Z
JSON type
String
minimum length
3
maximum length
3

paymentPlan   = Always Provided

Information about the payment plan including interest rate and the available payment plan offers.
Fixed value

paymentPlan.interestRate  Decimal = CONDITIONAL

The interest rate applied to the purchase amount for this plan.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data is a decimal number.
JSON type
Number
maximum value
100
minimum value
0

paymentPlan.planId  String = Always Provided

The identifier for the payment plan.
See Payment Plans for the supported payment plans and their identifiers.
Existence
Always Provided
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
40

paymentPlan.planOffer[n]   = Always Provided

Information about the available payment plan offers.
For AMEX_PlanAmex plan type, up to 5 offers will be returned based on the requested number of payments. The response includes offer for the requested number of payments, as well as for 2 more and 2 less number of payments.
Fixed value

paymentPlan.planOffer[n].finalAmount  Decimal = Always Provided

The total amount payable by the cardholder, including interest for this plan.
The amount is expressed as a decimal number in the units of the currency. For example 12.34 in USD is the amount 12 dollars and 34 cents
Existence
Always Provided
Fixed value
Validation Rules
Data is a decimal number.
JSON type
Number
maximum value
1000000000000
minimum value
0
maximum post-decimal digits
3

paymentPlan.planOffer[n].numberOfPayments  Integer = Always Provided

The number of monthly payments payable by the cardholder.
Existence
Always Provided
Fixed value
Validation Rules
JSON number data type, restricted to being positive or zero. In addition, the represented number may have no fractional part.
JSON type
Number
minimum value
1
maximum value
99

paymentPlan.planOffer[n].paymentAmount  Decimal = Always Provided

The value of each monthly payment for this payment plan offer.
The amount is expressed as a decimal number in the units of the currency. For example 12.34 in USD is the amount 12 dollars and 34 cents.
Existence
Always Provided
Fixed value
Validation Rules
Data is a decimal number.
JSON type
Number
maximum value
1000000000000
minimum value
0
maximum post-decimal digits
3

response.gatewayCode  Enumeration = Always Provided

Summary of the success or otherwise of the proposed operation.
Existence
Always Provided
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
ABORTED
Transaction aborted by payer
ACQUIRER_SYSTEM_ERROR
Acquirer system error occurred processing the transaction
APPROVED
Transaction Approved
APPROVED_PENDING_SETTLEMENT
Transaction Approved - pending batch settlement
AUTHENTICATION_FAILED
Payer authentication failed
BLOCKED
Transaction blocked due to Risk or 3D Secure blocking rules
CANCELLED
Transaction cancelled by payer
DECLINED
The requested operation was not successful. For example, a payment was declined by issuer or payer authentication was not able to be successfully completed.
DECLINED_AVS
Transaction declined due to address verification
DECLINED_AVS_CSC
Transaction declined due to address verification and card security code
DECLINED_CSC
Transaction declined due to card security code
DECLINED_DO_NOT_CONTACT
Transaction declined - do not contact issuer
DECLINED_PAYMENT_PLAN
Transaction declined due to payment plan
DEFERRED_TRANSACTION_RECEIVED
Deferred transaction received and awaiting processing
DUPLICATE_BATCH
Transaction declined due to duplicate batch
EXCEEDED_RETRY_LIMIT
Transaction retry limit exceeded
EXPIRED_CARD
Transaction declined due to expired card
INSUFFICIENT_FUNDS
Transaction declined due to insufficient funds
INVALID_CSC
Invalid card security code
LOCK_FAILURE
Order locked - another transaction is in progress for this order
NOT_ENROLLED_3D_SECURE
Card holder is not enrolled in 3D Secure
NOT_SUPPORTED
Transaction type not supported
PENDING
Transaction is pending
REFERRED
Transaction declined - refer to issuer
SUBMITTED
The transaction has successfully been created in the gateway. It is either awaiting submission to the acquirer or has been submitted to the acquirer but the gateway has not yet received a response about the success or otherwise of the payment.
SYSTEM_ERROR
Internal system error occurred processing the transaction
TIMED_OUT
The gateway has timed out the request to the acquirer because it did not receive a response. You can handle the transaction as a declined transaction. Where possible the gateway will attempt to reverse the transaction.
UNKNOWN
The transaction has been submitted to the acquirer but the gateway was not able to find out about the success or otherwise of the payment. If the gateway subsequently finds out about the success of the payment it will update the response code.
UNSPECIFIED_FAILURE
Transaction could not be processed

result  Enumeration = Always Provided

A system-generated high level overall result of the operation.
Existence
Always Provided
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
FAILURE
The operation was declined or rejected by the gateway, acquirer or issuer
PENDING
The operation is currently in progress or pending processing
SUCCESS
The operation was successfully processed
UNKNOWN
The result of the operation is unknown

sourceOfFunds   = Always Provided

Details about the source of the funds for this payment.
Fixed value

sourceOfFunds.provided   = Always Provided

The details of the source of funds when they are directly provided as opposed to via a token or session.
Fixed value

sourceOfFunds.provided.card   = Always Provided

Details as shown on the card.
Fixed value

sourceOfFunds.provided.card.expiry   = CONDITIONAL

Expiry date, as shown on the card.
Fixed value

sourceOfFunds.provided.card.expiry.month  Digits = Always Provided

Month, as shown on the card.
Months are numbered January=1, through to December=12.
Existence
Always Provided
Fixed value
Validation Rules
Data is a number between 1 and 12 represented as a string.
JSON type
String

sourceOfFunds.provided.card.expiry.year  Digits = Always Provided

Year, as shown on the card.
The Common Era year is 2000 plus this value.
Existence
Always Provided
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9.
JSON type
String
minimum length
2
maximum length
2

sourceOfFunds.provided.card.number  Masked digits = Always Provided

The account number embossed onto the card.
By default, the card number will be returned in 6.4 masking format, for example, 000000xxxxxx0000.If you wish to return unmasked card numbers, you must have the requisite permission, set responseControls.sensitiveData field to UNMASK, and authenticate your call to the API using certificate authentication.
Existence
Always Provided
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9, plus 'x' for masking
JSON type
String
minimum length
9
maximum length
19

error   = CONDITIONAL

Information on possible error conditions that may occur while processing an operation using the API.
Fixed value

error.cause  Enumeration = CONDITIONAL

Broadly categorizes the cause of the error.
For example, errors may occur due to invalid requests or internal system failures.
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
INVALID_REQUEST
The request was rejected because it did not conform to the API protocol.
REQUEST_REJECTED
The request was rejected due to security reasons such as firewall rules, expired certificate, etc.
SERVER_BUSY
The server did not have enough resources to process the request at the moment.
SERVER_FAILED
There was an internal system failure.

error.explanation  String = CONDITIONAL

Textual description of the error based on the cause.
This field is returned only if the cause is INVALID_REQUEST or SERVER_BUSY.
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
1000

error.field  String = CONDITIONAL

Indicates the name of the field that failed validation.
This field is returned only if the cause is INVALID_REQUEST and a field level validation error was encountered.
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

error.supportCode  String = CONDITIONAL

Indicates the code that helps the support team to quickly identify the exact cause of the error.
This field is returned only if the cause is SERVER_FAILED or REQUEST_REJECTED.
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

error.validationType  Enumeration = CONDITIONAL

Indicates the type of field validation error.
This field is returned only if the cause is INVALID_REQUEST and a field level validation error was encountered.
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
INVALID
The request contained a field with a value that did not pass validation.
MISSING
The request was missing a mandatory field.
UNSUPPORTED
The request contained a field that is unsupported.

result  Enumeration = CONDITIONAL

A system-generated high level overall result of the operation.
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
ERROR
The operation resulted in an error and hence cannot be processed.

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