Mastercard Payment Gateway API Reference: Operations -
Version 77,
Protocol: REST-JSON

Create or Update Token (with system-generated token)

Request for the gateway to store a payment instrument against a token, where the system generates the token ID.

This may include:

  • credit or debit card details
  • device payment details
  • gift card details
  • ACH bank account details
  • Canadian Direct Debit bank account details
  • PayPal billing agreement details
Note: The behaviour of this call depends on two aspects of your token repository configuration: Token Generation Strategy (either Merchant-Supplied, Random or Preserve 6.4) and Token Management strategy (Unique Card or Unique Token). For more information, see How to Configure Tokenization. Your Token Generation Strategy and Token Management Strategy are configured on your merchant profile (by your payment service provider).

If you are configured to use the Token Generation Strategy Random or Preserve 6.4', you can use this call to create the token. If you use the Token Generation Strategy Merchant-Supplied, do not use this call but use the Tokenize call instead.

Typically, this call will return a new token. However, if the repository is configured for the Token Management Strategy Unique Account Identifier and the supplied account identifier (e.g. card number or PayPal Billing Agreement ID) has previously been stored against an existing token, the gateway will return that token.

If the repository is configured for scheme tokenization, the gateway will attempt to generate a scheme token for the stored card details.

If you want to tokenize card details associated to a previously successful payment, you can provide the order identifier of that payment using the field referenceOrderId. The order identifier provided in referenceOrderId must have card as the payment method, which includes both FPAN and DPAN based transactions. If it is the latter, the gateway won't attempt scheme tokenization even if you are enabled for scheme tokenization.

The gateway does not currently have support to store PayPal payment details against a gateway token.

However, you can
  • use this operation to store existing PayPal billing agreement details against a gateway token, for example, when migrating to the gateway.
  • use the Create or Update Browser Payment Token operation to create or update a gateway token with PayPal billing agreement details.

If you provide a shipping address or shipping contact details, these will be ignored unless the token contains PayPal billing agreement details.

Note that the name on the card, billing address details, and customer details are only used by the gateway when submitting the tokenization request to the token service provider. These details are not stored against the gateway token.

If you tokenize card details provided by a payer via their issuer (i.e. push provisioning of scheme tokens), use this operation to supply the reference provided by the issuer for provisioning the scheme token. This reference will be used by the gateway to retrieve the scheme token and card details from the token service provider e.g. MDES.

URL https://na.gateway.mastercard.com/api/rest/version/77/merchant/{merchantId}/token
HTTP Method POST
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

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

billing   = OPTIONAL

Details of the payer's billing address.
Fixed value

billing.address   = OPTIONAL

The payer's billing address.
This data may be used to qualify for better interchange rates on corporate purchase card transactions.
Fixed value

billing.address.city  String = OPTIONAL

The city portion of the address.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

billing.address.company  String = OPTIONAL

The name of the company associated with this address.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

billing.address.country  Upper case alphabetic text = OPTIONAL

The 3 letter ISO standard alpha country code of the address.
Existence
OPTIONAL
Fixed value
Validation Rules
Data must consist of the characters A-Z
JSON type
String
minimum length
3
maximum length
3

billing.address.postcodeZip  Alphanumeric + additional characters = OPTIONAL

The post code or zip code of the address.
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
10

billing.address.stateProvince  String = OPTIONAL

The state or province of the address.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
20

billing.address.stateProvinceCode  String = OPTIONAL

The three character ISO 3166-2 country subdivision code for the state or province of the address.
Providing this field might improve your payer experience for 3-D Secure payer authentication.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
3

billing.address.street  String = OPTIONAL

The first line of the address.
For example, this may be the street name and number, or the Post Office Box details.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

billing.address.street2  String = OPTIONAL

The second line of the address (if provided).
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

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

customer   = OPTIONAL

Information about the customer, including their contact details.
Fixed value

customer.email  Email = OPTIONAL

The email address of the customer.
The field format restriction ensures that the email address is longer than 3 characters and adheres to a generous subset of valid RFC 2822 email addresses.
Existence
OPTIONAL
Fixed value
Validation Rules
Ensures that the email address is longer than 3 characters and adheres to a generous subset of valid RFC 2822 email addresses
JSON type
String

customer.firstName  String = OPTIONAL

The customer's first name.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
50

customer.lastName  String = OPTIONAL

The customer's last or surname.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
50

customer.mobilePhone  Telephone Number = OPTIONAL

The customer's mobile phone or cell phone number in ITU-T E123 format, for example +1 607 1234 5678

The number consists of:
  • ‘+’
  • country code (1, 2 or 3 digits)
  • ‘space’
  • national number ( which may embed single spaces characters for readability).
Existence
OPTIONAL
Fixed value
Validation Rules
Data consists of '+', country code (1, 2 or 3 digits), 'space', and national number (which may embed single space characters for readability)
JSON type
String
mandatory country code
true
maximum total digits
15

customer.phone  Telephone Number = OPTIONAL

The customer's phone number in ITU-T E123 format, for example +1 607 1234 456

The number consists of:
  • ‘+’
  • country code (1, 2 or 3 digits)
  • ‘space’
  • national number ( which may embed single spaces characters for readability).
Existence
OPTIONAL
Fixed value
Validation Rules
Data consists of '+', country code (1, 2 or 3 digits), 'space', and national number (which may embed single space characters for readability)
JSON type
String
mandatory country code
true
maximum total digits
15

customer.taxRegistrationId  String = OPTIONAL

The tax registration identifier of the customer.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
30

device   = OPTIONAL

Information about the device used by the payer for this transaction.
Fixed value

device.ipAddress  String = OPTIONAL

The IP address of the device used by the payer, in nnn.nnn.nnn.nnn format.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
7
maximum length
15

referenceOrderId  String = OPTIONAL

This is the reference to an order previously submitted by you to the gateway.
It is applicable to the following scenarios.

Tokenization requests:
Identifier for the order which will be used to generate a gateway token. The gateway will attempt tokenization of payment credentials linked to the order ID.
The order identifier provided in this field must be linked to a successfully processed order which has card (FPAN / DPAN) as the payment method.
When providing this field, you must not provide card details in the sourceOfFunds.provided.card parameter group, and you must set the sourceOfFunds.type field to CARD.

Payment transactions:
When submitting:
  • an industry practice payment, this is the reference to the initial cardholder-initiated transaction.
  • a resubmission transaction, this is the reference to the order which is being resubmitted.

Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
40

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

shipping   = OPTIONAL

Information on the shipping address including the contact details of the addressee.
These details will only be stored against the token if the request is for storing PayPal billing agreement details.
Fixed value

shipping.address   = OPTIONAL

The address to which this order will be shipped.
Fixed value

shipping.address.city  String = OPTIONAL

The city portion of the address.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

shipping.address.country  Upper case alphabetic text = OPTIONAL

The 3 letter ISO standard alpha country code of the address.
Existence
OPTIONAL
Fixed value
Validation Rules
Data must consist of the characters A-Z
JSON type
String
minimum length
3
maximum length
3

shipping.address.postcodeZip  Alphanumeric + additional characters = OPTIONAL

The post code or zip code of the address.
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
10

shipping.address.stateProvince  String = OPTIONAL

The state or province of the address.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
20

shipping.address.street  String = OPTIONAL

The first line of the address.
For example, this may be the street name and number, or the Post Office Box details.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

shipping.address.street2  String = OPTIONAL

The second line of the address (if provided).
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

shipping.contact   = OPTIONAL

Details of the contact person at the address the goods will be shipped to.
Fixed value

shipping.contact.firstName  String = OPTIONAL

The first name of the person to whom the order is being shipped.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
50

shipping.contact.lastName  String = OPTIONAL

The last name or surname of the person to whom the order is being shipped.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
50

shipping.origin.postcodeZip  Alphanumeric + additional characters = OPTIONAL

The post code or zip code of the address the order is shipped from.
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
10

sourceOfFunds   = OPTIONAL

Information about the payment type selected by the payer for this payment and the source of the funds.
Depending on the payment type the source of the funds can be a debit or credit card, bank account, or account with a browser payment provider (such as PayPal).

For card payments the source of funds information 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

posTerminal.serialNumber  ASCII Text = OPTIONAL

The unique serial number assigned by the manufacturer to the terminal device.
Existence
OPTIONAL
Fixed value
Validation Rules
Data consists of ASCII characters
JSON type
String
minimum length
1
maximum length
16

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.ach   = OPTIONAL

For ACH payments (sourceOfFunds.type=ACH) you must provide values for all fields within this parameter group, including details about the payers bank account as well as the type of ACH payment.
It is your responsibility to authenticate the payer and obtain authorization from the payer in accordance with the NACHA Operating Rules and Guidelines for the Standard Entry Class (SEC) associated with this payment. For details please refer to https://www.nacha.org/.
Fixed value

sourceOfFunds.provided.ach.accountType  Enumeration = OPTIONAL

An indicator identifying the type of bank account.
  • Consumer (checking or savings), or
  • Business

For pre-arranged payments (sourceOfFunds.provided.ach.secCode=PPD) retrieve this information from the payer.

If payments were telephone-initiated (sourceOfFunds.provided.ach.secCode=TEL) or internet-initiated (sourceOfFunds.provided.ach.secCode=WEB) you may choose to limit the payer's options (e.g. only support consumer checking accounts), depending on your type of business (e.g. B2C online webshop).

Existence
OPTIONAL
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
CONSUMER_CHECKING
Consumer Checking Account
CONSUMER_SAVINGS
Consumer Savings Account
CORPORATE_CHECKING
Business Checking Account

sourceOfFunds.provided.ach.bankAccountHolder  String = OPTIONAL

The name of the bank account holder, as it appears on the account at the receiving financial institution.
Retrieve this information from the payer.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
28

sourceOfFunds.provided.ach.bankAccountNumber  Alphanumeric + additional characters = OPTIONAL

The identifier of the bank account at the receiving financial institution.
Retrieve this information from the payer.
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
17

sourceOfFunds.provided.ach.routingNumber  Digits = OPTIONAL

The identifier of the receiving financial institution.
Also known as:
  • Routing number,
  • Transit number, or
  • ABA number

Retrieve this information from the payer.

See also http://en.wikipedia.org/wiki/Routing_transit_number.

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
9

sourceOfFunds.provided.ach.secCode  Enumeration = OPTIONAL

Identifies the Standard Entry Class (SEC) code to be sent to the issuer.
The SEC is defined by NACHA and describes the origin and intent of the payment. For details please refer to https://www.nacha.org/.
Existence
OPTIONAL
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
PPD
An ACH debit or credit payment (B2C) that has been authorized by an authenticated customer in written form (signed or similarly authenticated). PPD is used for pre-arranged payments (e.g. employee payroll, mortgage payments, expense reimbursement).
TEL
An ACH debit payment (B2C) that has been authorized by an authenticated customer via phone. TEL may only be used if a relationship already exists between you and the consumer, or, the consumer initiates the contact with you.
WEB
An ACH debit payment (B2C) that has been authorized by an authenticated customer via the internet or a wireless network.

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.nameOnCard  String = OPTIONAL

The cardholder's name as printed on the card.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
256

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 or as provided for a card scheme token.
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.provided.directDebitCanada   = OPTIONAL

For Direct Debit payments in Canada you must provide the payer's bank account details in this parameter group.
Fixed value

sourceOfFunds.provided.directDebitCanada.accountType  Enumeration = OPTIONAL

An indicator identifying the type of bank account.
Existence
OPTIONAL
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
CONSUMER_CHECKING
Consumer Checking Account
CONSUMER_SAVINGS
Consumer Savings Account

sourceOfFunds.provided.directDebitCanada.bankAccountHolder  String = COMPULSORY

The name of the bank account holder, as it appears on the account at the receiving financial institution.
Existence
COMPULSORY
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
28

sourceOfFunds.provided.directDebitCanada.bankAccountNumber  Alphanumeric + additional characters = COMPULSORY

The identifier of the bank account at the receiving financial institution.
The bank account number will be returned in a masked format, for example, xxxxxxxxxxxxx123.
Existence
COMPULSORY
Fixed value
Validation Rules
Data may consist of the characters 0-9, a-z, A-Z, ' ', '-', '/'
JSON type
String
minimum length
7
maximum length
12

sourceOfFunds.provided.directDebitCanada.financialInstitutionNumber  Digits = COMPULSORY

The identifier of the receiving financial institution.
Existence
COMPULSORY
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9.
JSON type
String
minimum length
3
maximum length
3

sourceOfFunds.provided.directDebitCanada.transitNumber  Digits = COMPULSORY

The transit number identifying the branch of the receiving financial institution where the bank account is held.
Existence
COMPULSORY
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9.
JSON type
String
minimum length
5
maximum length
5

sourceOfFunds.provided.giftCard   = OPTIONAL

If the payer chose to pay using a gift card, you must submit sourceOfFunds.type=GIFT_CARD and provide the payer's gift card details in this parameter group.
Fixed value

sourceOfFunds.provided.giftCard.expectedLocalBrand  String = OPTIONAL

Do not provide this field in your request unless instructed to do so by your payment service provider.
The field is required, if your gift card numbers do not use ISO BIN rules and therefore not allowing the gateway to identify the local brand.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
4
maximum length
50

sourceOfFunds.provided.giftCard.number  Digits = OPTIONAL

Card number as printed or embossed on the gift 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.giftCard.pin  Digits = OPTIONAL

PIN number for the gift card.
Existence
OPTIONAL
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9.
JSON type
String
minimum length
4
maximum length
8

sourceOfFunds.provided.paypal   = OPTIONAL

Information about the payer's PayPal account.It is provided to you when the payer successfully makes a payment using PayPal or when you have established a billing agreement with the payer.
Fixed value

sourceOfFunds.provided.paypal.accountEmail  Email = OPTIONAL

The email address of the payer's PayPal account.
Existence
OPTIONAL
Fixed value
Validation Rules
Ensures that the email address is longer than 3 characters and adheres to a generous subset of valid RFC 2822 email addresses
JSON type
String

sourceOfFunds.provided.paypal.accountHolder  String = OPTIONAL

The name of the account holder of the payer's PayPal account.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
255

sourceOfFunds.provided.paypal.billingAgreement   = OPTIONAL

Details about the agreement you have established with the payer that allows you to bill the payer's PayPal account for goods or services.
Fixed value

sourceOfFunds.provided.paypal.billingAgreement.cardinality  Enumeration = COMPULSORY

Indicates the number of billing agreements between you and this payer.
Existence
COMPULSORY
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
MULTIPLE
Indicates that you have multiple billing agreements with this payer. This means that a new agreement ID will be returned in response to each request.
SINGLE
Indicates that you have a single billing agreement with this payer. This means that the same agreement ID will be returned in response to each request.

sourceOfFunds.provided.paypal.billingAgreement.description  String = OPTIONAL

Your description for the PayPal billing agreement.
This description is displayed to the payer when they are asked to approve the billing agreement.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
255

sourceOfFunds.provided.paypal.billingAgreement.id  String = COMPULSORY

An identifier provided by PayPal for the billing agreement.
Existence
COMPULSORY
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

sourceOfFunds.provided.paypal.billingAgreement.name  String = OPTIONAL

Your name for the PayPal billing agreement.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
255

sourceOfFunds.provided.paypal.payerId  String = OPTIONAL

The unique identifier for the payer assigned by PayPal.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
13

sourceOfFunds.provided.card.p2pe   = OPTIONAL

This holds the PAN in the case where it is encrypted by the terminal using DUKPT key exchange.
Fixed value

sourceOfFunds.provided.card.p2pe.cardBin  Digits = OPTIONAL

The BIN of the card.
If you provide this, the gateway will check that the decrypted PAN has these leading six digits. If the check fails, the gateway will reject the transaction.

If you do not provided this, the gateway will not perform this check.
Existence
OPTIONAL
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9.
JSON type
String
minimum length
1
maximum length
6

sourceOfFunds.provided.card.p2pe.encryptionState  String = OPTIONAL

The P2PE encryption state as determined by the terminal.
INVALID means the terminal detected some form of error in the encryption process. The gateway will decline transactions with INVALID encryption state. This field may be omitted when the value is VALID.
Existence
OPTIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
5
maximum length
7

sourceOfFunds.provided.card.p2pe.initializationVector  Hex = OPTIONAL

The initialization vector supplied by the terminal to seed the encryption of this payload.
Omit this value if the terminal is not using an initialization vector to seed encryption.
Existence
OPTIONAL
Fixed value
Validation Rules
Data is hexadecimal encoded
JSON type
String
minimum length
16
maximum length
16

sourceOfFunds.provided.card.p2pe.keySerialNumber  Hex = COMPULSORY

The DUKPT key serial number supplied by the terminal.
Existence
COMPULSORY
Fixed value
Validation Rules
Data is hexadecimal encoded
JSON type
String
minimum length
20
maximum length
20

sourceOfFunds.provided.card.p2pe.payload  Hex = COMPULSORY

The DUKPT encrypted payload supplied by the terminal.
Existence
COMPULSORY
Fixed value
Validation Rules
Data is hexadecimal encoded
JSON type
String
minimum length
32
maximum length
1024

sourceOfFunds.schemeTokenProvisioningIdentifier  ASCII Text = OPTIONAL

You only must provide this field if you want the gateway to retrieve a scheme token for card details that your payer has made available to you via their card issuer (i.e. push provisioning of scheme tokens).
Using the identifier provided by the issuer, the gateway will retrieve the scheme token details from the token service provider and store them against the gateway token.

When providing this field, you must not provide card details in the sourceOfFunds.provided.card parameter group, and you must set the sourceOfFunds.type field to CARD.

Existence
OPTIONAL
Fixed value
Validation Rules
Data consists of ASCII characters
JSON type
String
minimum length
1
maximum length
64

sourceOfFunds.token  Alphanumeric = OPTIONAL

A gateway token that contains account identifier details.
The account identifier details stored against this token will be used to process the request.
If account identifier details are also contained in the request, or the request contains a session with account identifier details, these take precedence over the details stored against the token.
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

sourceOfFunds.tokenRequestorID  Alphanumeric = OPTIONAL

The unique identifier assigned to you by the Token Service Provider that you requested a token from for this payment.
This field is mandatory for payments where the Chase Pay wallet was used.
Existence
OPTIONAL
Fixed value
Validation Rules
Data may consist of the characters 0-9, a-z, A-Z
JSON type
String
minimum length
11
maximum length
11

sourceOfFunds.type  Enumeration = COMPULSORY

The payment method used for this payment.
If you are passing card data (in any form) on the API, then you need to set this value, and also provide the card details in the sourceOfFunds.provided.card group. In the case of digital wallets or device payment methods, you must also populate the order.walletProvider field.

If you are making a payment with a gateway token, then you can leave this field unset, and only populate the sourceOfFunds.token field. However you can set this to CARD if you want to overwrite or augment the token data with a card security code, expiry date, or cardholder name.
Existence
COMPULSORY
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
ACH
The payer chose to pay using an electronic fund transfer, to be processed via the Automated Clearing House (ACH) Network. You must provide the payer's bank account details and information about the type of ACH payment under the sourceOfFunds.provided.ach parameter group.
CARD
Use this value for payments that obtained the card details either directly from the card, or from a POS terminal, or from a wallet, or through a device payment method.
DIRECT_DEBIT_CANADA
The payer chose to pay using Direct Debit in Canada, also known as pre-authorized bank debits (PADs). You must provide the payer's bank account details in the sourceOfFunds.provided.directDebitCanada parameter group.
GIFT_CARD
The payer chose to pay using a gift card. The payer's gift card details must be provided under the sourceOfFunds.provided.giftCard parameter group.
PAYPAL
The payer selected the payment method PayPal.

subMerchant   = OPTIONAL

Provide these parameters if you are a payment aggregator or facilitator and process payments on behalf of other merchants.
These merchants are referred to as your sub merchants. The sub merchant's details you provide may be displayed on the payer's cardholder statement. The gateway will use separate token repositories for each of your sub merchants
Fixed value

subMerchant.identifier  Alphanumeric + additional characters = COMPULSORY

Your identifier for the sub-merchant.
Existence
COMPULSORY
Fixed value
Validation Rules
Data may consist of the characters 0-9, a-z, A-Z, '-', '_', ' ', '&', '+', '!', '$', '.'
JSON type
String
minimum length
1
maximum length
100

transaction.currency  Upper case alphabetic text = OPTIONAL

The currency which should be used for acquirer card verification.
Not required for basic verification.
Existence
OPTIONAL
Fixed value
Validation Rules
Data must consist of the characters A-Z
JSON type
String
minimum length
3
maximum length
3

verificationStrategy  Enumeration = OPTIONAL

The strategy used to verify the payment instrument details before they are stored.
You only need to specify the verification strategy if you want to override the default value configured for your merchant profile. When the verification strategy is
  • BASIC you must also provide the card expiry date in the sourceOfFunds.provided.card.expiry parameter group.
  • ACQUIRER you must also provide the card expiry date in the sourceOfFunds.provided.card.expiry parameter group and the currency in the transaction.currency field.
  • ACCOUNT_UPDATER you must also provide a currency in the transaction.currency field and the sourceOfFunds parameter group is optional.
To use this operation to request an account update
  • you need to be enabled for Account Updater by your payment service provider.
  • you can subsequently inquire about any updates the gateway has made to the token based on the Account Updater response using the RETRIEVE_TOKEN or SEARCH_TOKENS operations.
As a result of an account update the payment details stored against the token may be updated or the token may be marked as invalid. Any updates made to the payment details respect the token management strategy configured for your token repository. For example, if the token repository is configured with a token generation strategy of Preserve 6.4 and an account update indicates that the card number has changed, the token is marked as invalid. You can no longer use an invalid token and must ask your payer for new payment details.
Existence
OPTIONAL
Fixed value
Validation Rules
Used to nominate which type of Verification to use when payment instrument details are stored in the token repository. This setting overrides the default settings in Merchant Manager.
JSON type
String
Value must be a member of the following list. The values are case sensitive.
ACQUIRER
The gateway performs a Web Services API Verify request. Depending on the payment type, you may need to provide additional details to enable the submission of a Verify request.
BASIC
The gateway verifies the syntax and supported ranges of the payment instrument details provided, .e.g for a card it validates the card number format and checks if the card number falls within a valid BIN range.
NONE
The gateway does not perform any validation or verification of the payment instrument details provided.

{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

Response Parameters

result  Enumeration = Always Provided

A system-generated high level overall result of the Save 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

status  Enumeration = Always Provided

An indicator of whether or not you can use this token in transaction requests.
Transaction requests using an invalid token are rejected by the gateway.

To change the token status, update the payment details stored against the token. Note that there are limitations on the update functionality depending on how your payment service provider has configured your token repository.

Card Details

A token that contains card details can become invalid in the following cases:

  • Scheme Token Provider: If a response or notification from the scheme token provider indicates that the card number for this scheme token has changed and the scheme token is no longer active.
  • Recurring Payment Advice: If the acquirer response for a recurring payment indicates that you must not attempt another recurring payment with the card number stored against this token.
  • Account Updater: If you are configured for Account Updater and an Account Updater response indicates that the card details are no longer valid.


PayPal Details

A token that contains PayPal payment details becomes invalid when the payer withdraws their consent to the Billing Agreement.

Existence
Always Provided
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
INVALID
The payment details stored against the token have been identified as invalid. The gateway will reject operation payment requests using this token.
VALID
The payment details stored against the token are considered to be valid. The gateway will attempt to process operation requests using this token.

billing   = CONDITIONAL

Information on the billing address, including the contact details of the payer.
For card payments, this information may be used by the issuer to verify the payer, so must match the billing address details the payer registered with their issuer.
Fixed value

billing.address   = CONDITIONAL

The payer's billing address.
This data may be used to qualify for better interchange rates on corporate purchase card transactions.
Fixed value

billing.address.city  String = CONDITIONAL

The city portion of the address.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

billing.address.company  String = CONDITIONAL

The name of the company associated with this address.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

billing.address.country  Upper case alphabetic text = CONDITIONAL

The 3 letter ISO standard alpha country code of the address.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data must consist of the characters A-Z
JSON type
String
minimum length
3
maximum length
3

billing.address.postcodeZip  Alphanumeric + additional characters = CONDITIONAL

The post code or zip code of the address.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data may consist of the characters 0-9, a-z, A-Z, ' ', '-'
JSON type
String
minimum length
1
maximum length
10

billing.address.stateProvince  String = CONDITIONAL

The state or province of the address.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
20

billing.address.stateProvinceCode  String = CONDITIONAL

The three character ISO 3166-2 country subdivision code for the state or province of the address.
Providing this field might improve your payer experience for 3-D Secure payer authentication.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
3

billing.address.street  String = CONDITIONAL

The first line of the address.
For example, this may be the street name and number, or the Post Office Box details.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

billing.address.street2  String = CONDITIONAL

The second line of the address (if provided).
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

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

customer   = CONDITIONAL

Information about the customer, including their contact details.
Fixed value

customer.email  Email = CONDITIONAL

The email address of the customer.
The field format restriction ensures that the email address is longer than 3 characters and adheres to a generous subset of valid RFC 2822 email addresses.
Existence
CONDITIONAL
Fixed value
Validation Rules
Ensures that the email address is longer than 3 characters and adheres to a generous subset of valid RFC 2822 email addresses
JSON type
String

customer.firstName  String = CONDITIONAL

The customer's first name.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
50

customer.lastName  String = CONDITIONAL

The customer's last or surname.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
50

customer.mobilePhone  String = CONDITIONAL

The customer's mobile phone or cell phone number in ITU-T E123 format, for example +1 607 1234 5678

The number consists of:
  • ‘+’
  • country code (1, 2 or 3 digits)
  • ‘space’
  • national number ( which may embed single spaces characters for readability).
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
20

customer.phone  String = CONDITIONAL

The customer's phone number in ITU-T E123 format, for example +1 607 1234 456

The number consists of:
  • ‘+’
  • country code (1, 2 or 3 digits)
  • ‘space’
  • national number ( which may embed single spaces characters for readability).
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
20

customer.taxRegistrationId  String = CONDITIONAL

The tax registration identifier of the customer.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
30

device   = CONDITIONAL

Information about the device used by the payer for this transaction.
Fixed value

device.ipAddress  String = CONDITIONAL

The IP address of the device used by the payer, in nnn.nnn.nnn.nnn format.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
7
maximum length
15

referenceOrderId  String = CONDITIONAL

This is the reference to an order previously submitted by you to the gateway.
It is applicable to the following scenarios.

Tokenization requests:
Identifier for the order which will be used to generate a gateway token. The gateway will attempt tokenization of payment credentials linked to the order ID.
The order identifier provided in this field must be linked to a successfully processed order which has card (FPAN / DPAN) as the payment method.
When providing this field, you must not provide card details in the sourceOfFunds.provided.card parameter group, and you must set the sourceOfFunds.type field to CARD.

Payment transactions:
When submitting:
  • an industry practice payment, this is the reference to the initial cardholder-initiated transaction.
  • a resubmission transaction, this is the reference to the order which is being resubmitted.

Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
40

replacementToken  Alphanumeric = CONDITIONAL

If a replacement token for this token is provided, you must

  • start using the replacement token instead of this token and
  • delete this token

If a replacement token is provided, this token is not marked as invalid (status=INVALID) and has been updated to allow you to keep using it until you have started using the replacement token.
However, you will no longer be able to update this token. For more details see Gateway Tokenization
Existence
CONDITIONAL
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

repositoryId  ASCII Text = CONDITIONAL

Unique identifier of the token repository.
Token repositories can be shared across merchants; however, a single merchant can be associated with only one token repository at a given time. Every token repository has a corresponding test token repository, which only the merchants with the corresponding test profiles can access. For example, if the repository ID is ABC, the test repository ID will be TestABC. Hence, the system displays an error if you specify a repository ID that starts with 'Test'
Existence
CONDITIONAL
Fixed value
Validation Rules
Data consists of ASCII characters
JSON type
String
minimum length
1
maximum length
16

response.gatewayCode  Enumeration = CONDITIONAL

Summary of the success or otherwise of the operation.
Existence
CONDITIONAL
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
BASIC_VERIFICATION_SUCCESSFUL
The card number format was successfully verified and the card exists in a known range.
EXTERNAL_VERIFICATION_BLOCKED
The external verification was blocked due to risk rules.
EXTERNAL_VERIFICATION_DECLINED
The card details were sent for verification, but were was declined.
EXTERNAL_VERIFICATION_DECLINED_AUTHENTICATION_REQUIRED
The card details were sent for verification, but were declined as authentication required.
EXTERNAL_VERIFICATION_DECLINED_EXPIRED_CARD
The card details were sent for verification, but were declined as the card has expired.
EXTERNAL_VERIFICATION_DECLINED_INVALID_CSC
The card details were sent for verification, but were declined as the Card Security Code (CSC) was invalid.
EXTERNAL_VERIFICATION_PROCESSING_ERROR
There was an error processing the verification.
EXTERNAL_VERIFICATION_SUCCESSFUL
The card details were successfully verified.
NO_VERIFICATION_PERFORMED
The card details were not verified.
SCHEME_TOKENIZATION_DECLINED
The card details that your payer has made available to you via their card issuer (for push provisioning) could not be tokenized. The request was declined by the token service provider or issuer.
SCHEME_TOKENIZATION_ERROR
The card details that your payer has made available to you via their card issuer (for push provisioning) could not be tokenized. The token service provider returned an error response.
SCHEME_TOKENIZATION_SUCCESSFUL
The card details your payer has made available to you via their card issuer (for push provisioning) were successfully tokenized by the token service provider.
SCHEME_TOKENIZATION_SUCCESSFUL_ADDITIONAL_AUTHENTICATION_REQUIRED
The card details your payer has made available to you via their card issuer (for push provisioning) were successfully tokenized by the token service provider, but the issuer needs to perform additional authentication of the cardholder.

result  Enumeration = Always Provided

A system-generated high level overall result of the Save 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

schemeToken   = CONDITIONAL

Where a scheme token is stored against this gateway token, this group contains details about the scheme token, such as the token service provider.
Fixed value

schemeToken.provider  Enumeration = CONDITIONAL

The token service provider of a scheme token for the card details that are stored against the gateway token.
This field is returned once the token service provider can be identified. Note that it does not imply that a scheme token is available for use.
Existence
CONDITIONAL
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
AETS
American Express Token Service
MDES
Mastercard Digital Enablement Service
VTS
Visa Token Service

schemeToken.tokenIdentifier  String = CONDITIONAL

The unique identifier for the scheme token as assigned by the token service provider.
The Mastercard Digital Enablement Service (MDES) calls this 'Token Unique Reference' (TUR).
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
64

shipping   = CONDITIONAL

Information on the shipping address including the contact details of the addressee.
These details will only be stored against the token if the request is for storing PayPal billing agreement details.
Fixed value

shipping.address   = CONDITIONAL

The address to which this order will be shipped.
Fixed value

shipping.address.city  String = CONDITIONAL

The city portion of the address.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

shipping.address.country  Upper case alphabetic text = CONDITIONAL

The 3 letter ISO standard alpha country code of the address.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data must consist of the characters A-Z
JSON type
String
minimum length
3
maximum length
3

shipping.address.postcodeZip  Alphanumeric + additional characters = CONDITIONAL

The post code or zip code of the address.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data may consist of the characters 0-9, a-z, A-Z, ' ', '-'
JSON type
String
minimum length
1
maximum length
10

shipping.address.stateProvince  String = CONDITIONAL

The state or province of the address.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
20

shipping.address.street  String = CONDITIONAL

The first line of the address.
For example, this may be the street name and number, or the Post Office Box details.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

shipping.address.street2  String = CONDITIONAL

The second line of the address (if provided).
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

shipping.contact   = CONDITIONAL

Details of the contact person at the address the goods will be shipped to.
Fixed value

shipping.contact.firstName  String = CONDITIONAL

The first name of the person to whom the order is being shipped.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
50

shipping.contact.lastName  String = CONDITIONAL

The last name or surname of the person to whom the order is being shipped.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
50

shipping.origin.postcodeZip  Alphanumeric + additional characters = CONDITIONAL

The post code or zip code of the address the order is shipped from.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data may consist of the characters 0-9, a-z, A-Z, ' ', '-'
JSON type
String
minimum length
1
maximum length
10

sourceOfFunds   = CONDITIONAL

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.ach   = CONDITIONAL

For ACH payments (sourceOfFunds.type=ACH) you must provide values for all fields within this parameter group, including details about the payers bank account as well as the type of ACH payment.
It is your responsibility to authenticate the payer and obtain authorization from the payer in accordance with the NACHA Operating Rules and Guidelines for the Standard Entry Class (SEC) associated with this payment. For details please refer to https://www.nacha.org/.
Fixed value

sourceOfFunds.provided.ach.accountIdentifier  String = CONDITIONAL

The unique identifier of the routing number and bank account at the receiving financial institution.
Retrieve this information from the payer.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
19
maximum length
27

sourceOfFunds.provided.ach.accountType  Enumeration = CONDITIONAL

An indicator identifying the type of bank account.
  • Consumer (checking or savings), or
  • Business

For pre-arranged payments (sourceOfFunds.provided.ach.secCode=PPD) retrieve this information from the payer.

If payments were telephone-initiated (sourceOfFunds.provided.ach.secCode=TEL) or internet-initiated (sourceOfFunds.provided.ach.secCode=WEB) you may choose to limit the payer's options (e.g. only support consumer checking accounts), depending on your type of business (e.g. B2C online webshop).

Existence
CONDITIONAL
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
CONSUMER_CHECKING
Consumer Checking Account
CONSUMER_SAVINGS
Consumer Savings Account
CORPORATE_CHECKING
Business Checking Account

sourceOfFunds.provided.ach.bankAccountHolder  String = CONDITIONAL

The name of the bank account holder, as it appears on the account at the receiving financial institution.
Retrieve this information from the payer.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
28

sourceOfFunds.provided.ach.bankAccountNumber  Digits = CONDITIONAL

The identifier of the bank account at the receiving financial institution.
By default, the bank account number will be returned in a masked format, for example, xxxxxx0000. If you wish to return unmasked bank account numbers, you must have the requisite permission, set responseControls.sensitiveData, and authenticate your call to the API using certificate authentication. Contact your payment service provider for further information.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9.
JSON type
String
minimum length
9
maximum length
17

sourceOfFunds.provided.ach.routingNumber  Digits = CONDITIONAL

The identifier of the receiving financial institution.
Also known as:
  • Routing number,
  • Transit number, or
  • ABA number

Retrieve this information from the payer.

See also http://en.wikipedia.org/wiki/Routing_transit_number.

Existence
CONDITIONAL
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9.
JSON type
String
minimum length
9
maximum length
9

sourceOfFunds.provided.ach.secCode  Enumeration = CONDITIONAL

Identifies the Standard Entry Class (SEC) code to be sent to the issuer.
The SEC is defined by NACHA and describes the origin and intent of the payment. For details please refer to https://www.nacha.org/.
Existence
CONDITIONAL
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
PPD
An ACH debit or credit payment (B2C) that has been authorized by an authenticated customer in written form (signed or similarly authenticated). PPD is used for pre-arranged payments (e.g. employee payroll, mortgage payments, expense reimbursement).
TEL
An ACH debit payment (B2C) that has been authorized by an authenticated customer via phone. TEL may only be used if a relationship already exists between you and the consumer, or, the consumer initiates the contact with you.
WEB
An ACH debit payment (B2C) that has been authorized by an authenticated customer via the internet or a wireless network.

sourceOfFunds.provided.card   = CONDITIONAL

Details about the card.
Use this parameter group when you have sourced payment details using:
Cards: the card details entered directly or collected using a Point of Sale (POS) terminal.
Device payment methods such as Apple Pay, Android Pay, Samsung Pay or Google Pay.
Digital wallets such as Masterpass, Visa Checkout or Amex Express Checkout.
Card scheme tokens where the card was tokenized using a card scheme tokenization service such as Mastercard Digital Enablement Service (MDES).
Fixed value

sourceOfFunds.provided.card.brand  Enumeration = Always Provided

The brand name used to describe the card that is recognized and accepted globally.
For many major card types this will match the scheme name. In some markets, a card may also be co-branded with a local brand that is recognized and accepted within its country/region of origin (see card.localBrand).
You may use this information to support surcharging decisions. This information is gathered from 3rd party sources and may not be accurate in all circumstances.
Existence
Always Provided
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
AMEX
American Express
CHINA_UNIONPAY
China UnionPay
DINERS_CLUB
Diners Club
DISCOVER
Discover
JCB
JCB (Japan Credit Bureau)
LOCAL_BRAND_ONLY
The card does not have a global brand.
MAESTRO
Maestro
MASTERCARD
MasterCard
RUPAY
RuPay
UATP
UATP (Universal Air Travel Plan)
UNKNOWN
The brand of the card used in the transaction could not be identified
VISA
Visa

sourceOfFunds.provided.card.deviceSpecificExpiry   = CONDITIONAL

The expiry date of the account number associated with a digital payment method.
The associated account number is returned in sourceOfFunds.provided.card.deviceSpecificNumber. This field is returned for:
  • • Device payments: the expiry date for the Device Primary Account Number (DPAN).
  • • Digital wallets: the expiry date for the Token PAN.
Fixed value

sourceOfFunds.provided.card.deviceSpecificExpiry.month  Digits = CONDITIONAL

Month from the expiry date of the device specific account number.
Months are numbered January=1, through to December=12.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data is a number between 1 and 12 represented as a string.
JSON type
String

sourceOfFunds.provided.card.deviceSpecificExpiry.year  Digits = CONDITIONAL

Year from the expiry date of the device specific account number.
The Common Era year is 2000 plus this value.
Existence
CONDITIONAL
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.deviceSpecificNumber  Masked digits = CONDITIONAL

The payer's account number associated with a digital payment method.
Use this field for:
  • • Device payments: the payer's account number associated with the mobile device used for the payment. This is also known as the Device Primary Account Number (DPAN).
  • • Digital wallets: the Token PAN returned by a digital wallet. The gateway only returns this value for Amex Express Checkout.
Existence
CONDITIONAL
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

sourceOfFunds.provided.card.expiry  Digits = Always Provided

Expiry date as shown on the card in the format MMYY where months are numbered, so that for January MM=01, through to December MM=12 and the Common Era year is 2000 plus the value YY
Existence
Always Provided
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9.
JSON type
String
minimum length
4
maximum length
4

sourceOfFunds.provided.card.fundingMethod  Enumeration = Always Provided

The method used by the payer to provide the funds for the payment.
You may use this information to support surcharging decisions. This information is gathered from 3rd party sources and may not be accurate in all circumstances.
Existence
Always Provided
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
CHARGE
The payer has a line of credit with the issuer which must be paid off monthly.
CREDIT
The payer has a revolving line of credit with the issuer.
DEBIT
Funds are immediately debited from the payer's account with the issuer.
UNKNOWN
The account funding method could not be determined.

sourceOfFunds.provided.card.issuer  String = CONDITIONAL

The issuer of the card, if known.
WARNING: This information may be incorrect or incomplete – use at your own risk.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
0
maximum length
255

sourceOfFunds.provided.card.localBrand  String = CONDITIONAL

The brand name used to describe a card that is recognized and accepted within its country/region of origin.
The card may also be co-branded with a brand name that is recognized and accepted globally (see card.brand).
You may use this information to support surcharging decisions. This information is gathered from 3rd party sources and may not be accurate in all circumstances.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
3
maximum length
50

sourceOfFunds.provided.card.nameOnCard  String = CONDITIONAL

The cardholder's name as printed on the card.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
256

sourceOfFunds.provided.card.number  Masked digits = CONDITIONAL

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
CONDITIONAL
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

sourceOfFunds.provided.card.scheme  Enumeration = CONDITIONAL

The organization that owns a card brand and defines operating regulations for its use.
The card scheme also controls authorization and settlement of card transactions among issuers and acquirers.
Existence
CONDITIONAL
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
AMEX
American Express
CHINA_UNIONPAY
China UnionPay
DINERS_CLUB
Diners Club
DISCOVER
Discover
JCB
JCB (Japan Credit Bureau)
MASTERCARD
MasterCard
OTHER
The scheme of the card used in the transaction could not be identified.
RUPAY
RuPay
UATP
UATP (Universal Air Travel Plan)
VISA
Visa

sourceOfFunds.provided.directDebitCanada   = CONDITIONAL

For Direct Debit Canada payments (sourceOfFunds.type=DIRECT_DEBIT_CANADA) you must provide values for all fields within this parameter group, including details about the payers bank account as well as the type of Direct Debit Canada payment.
Fixed value

sourceOfFunds.provided.directDebitCanada.accountType  Enumeration = CONDITIONAL

An indicator identifying the type of bank account.
Existence
CONDITIONAL
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
CONSUMER_CHECKING
Consumer Checking Account
CONSUMER_SAVINGS
Consumer Savings Account

sourceOfFunds.provided.directDebitCanada.bankAccountHolder  String = Always Provided

The name of the bank account holder, as it appears on the account at the receiving financial institution.
Retrieve this information from the payer.
Existence
Always Provided
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
28

sourceOfFunds.provided.directDebitCanada.bankAccountNumber  Alphanumeric + additional characters = Always Provided

The identifier of the bank account at the receiving financial institution.
Retrieve this information from the payer.
Existence
Always Provided
Fixed value
Validation Rules
Data may consist of the characters 0-9, a-z, A-Z, ' ', '-', '/'
JSON type
String
minimum length
7
maximum length
12

sourceOfFunds.provided.directDebitCanada.financialInstitutionNumber  Digits = Always Provided

The identifier of the receiving financial institution.
Existence
Always Provided
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9.
JSON type
String
minimum length
3
maximum length
3

sourceOfFunds.provided.directDebitCanada.transitNumber  Digits = Always Provided

The transit number identifying the branch of the receiving financial institution where the bank account is held.
Existence
Always Provided
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9.
JSON type
String
minimum length
5
maximum length
5

sourceOfFunds.provided.giftCard   = CONDITIONAL

Details as shown on the Gift Card.
Fixed value

sourceOfFunds.provided.giftCard.brand  Enumeration = Always Provided

The brand name used to describe the card that is recognized and accepted globally.
For many major card types this will match the scheme name. In some markets, a card may also be co-branded with a local brand that is recognized and accepted within its country/region of origin (see card.localBrand).
You may use this information to support surcharging decisions. This information is gathered from 3rd party sources and may not be accurate in all circumstances.
Existence
Always Provided
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
LOCAL_BRAND_ONLY
The card does not have a global brand.

sourceOfFunds.provided.giftCard.localBrand  String = CONDITIONAL

The brand name used to describe a card that is recognized and accepted within its country/region of origin.
The card may also be co-branded with a brand name that is recognized and accepted globally (see card.brand).
You may use this information to support surcharging decisions. This information is gathered from 3rd party sources and may not be accurate in all circumstances.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
50

sourceOfFunds.provided.giftCard.number  Masked digits = CONDITIONAL

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
CONDITIONAL
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

sourceOfFunds.provided.giftCard.pin  Masked digits = CONDITIONAL

PIN number for the gift card.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data is a string that consists of the characters 0-9, plus 'x' for masking
JSON type
String
minimum length
4
maximum length
8

sourceOfFunds.provided.giftCard.scheme  Enumeration = CONDITIONAL

The organization that owns a card brand and defines operating regulations for its use.
The card scheme also controls authorization and settlement of card transactions among issuers and acquirers.
Existence
CONDITIONAL
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
OTHER
The scheme of the card used in the transaction could not be identified.

sourceOfFunds.provided.paypal   = CONDITIONAL

Information about the payer's PayPal account.
It is provided to you when the payer successfully makes a payment using PayPal or when you have established a billing agreement with the payer.
Fixed value

sourceOfFunds.provided.paypal.accountEmail  Email = CONDITIONAL

The email address of the payer's PayPal account.
Existence
CONDITIONAL
Fixed value
Validation Rules
Ensures that the email address is longer than 3 characters and adheres to a generous subset of valid RFC 2822 email addresses
JSON type
String

sourceOfFunds.provided.paypal.accountHolder  String = CONDITIONAL

The name of the account holder of the payer's PayPal account.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
255

sourceOfFunds.provided.paypal.billingAgreement   = CONDITIONAL

Details about the agreement you have established with the payer that allows you to bill the payer's PayPal account for goods or services.
Fixed value

sourceOfFunds.provided.paypal.billingAgreement.cardinality  Enumeration = CONDITIONAL

Indicates the number of billing agreements between you and this payer.
Existence
CONDITIONAL
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
MULTIPLE
Indicates that you have multiple billing agreements with this payer. This means that a new agreement ID will be returned in response to each request.
SINGLE
Indicates that you have a single billing agreement with this payer. This means that the same agreement ID will be returned in response to each request.

sourceOfFunds.provided.paypal.billingAgreement.description  String = CONDITIONAL

Your description for the PayPal billing agreement.
This description is displayed to the payer when they are asked to approve the billing agreement.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
255

sourceOfFunds.provided.paypal.billingAgreement.id  String = CONDITIONAL

An identifier provided by PayPal for the billing agreement.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
100

sourceOfFunds.provided.paypal.billingAgreement.name  String = CONDITIONAL

Your name for the PayPal billing agreement.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
255

sourceOfFunds.provided.paypal.payerId  String = CONDITIONAL

The unique identifier for the payer assigned by PayPal.
Existence
CONDITIONAL
Fixed value
Validation Rules
Data can consist of any characters
JSON type
String
minimum length
1
maximum length
13

sourceOfFunds.schemeTokenProvisioningIdentifier  ASCII Text = CONDITIONAL

You only must provide this field if you want the gateway to retrieve a scheme token for card details that your payer has made available to you via their card issuer (i.e. push provisioning of scheme tokens).
Using the identifier provided by the issuer, the gateway will retrieve the scheme token details from the token service provider and store them against the gateway token.

When providing this field, you must not provide card details in the sourceOfFunds.provided.card parameter group, and you must set the sourceOfFunds.type field to CARD.

Existence
CONDITIONAL
Fixed value
Validation Rules
Data consists of ASCII characters
JSON type
String
minimum length
1
maximum length
64

sourceOfFunds.type  Enumeration = CONDITIONAL

The payment method your payer has chosen for this payment.
Existence
CONDITIONAL
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
CARD
Use this value for payments that obtained the card details either directly from the card, or from a POS terminal, or from a wallet, or through a device payment method.
DIRECT_DEBIT_CANADA
The payer chose to pay using Direct Debit in Canada, also known as pre-authorized bank debits (PADs). You must provide the payer's bank account details in the sourceOfFunds.provided.directDebitCanada parameter group.
GIFT_CARD
The payer chose to pay using a gift card. The payer's gift card details must be provided under the sourceOfFunds.provided.giftCard parameter group.
PAYPAL
The payer selected the payment method PayPal.

status  Enumeration = Always Provided

An indicator of whether or not you can use this token in transaction requests.
Transaction requests using an invalid token are rejected by the gateway.

To change the token status, update the payment details stored against the token. Note that there are limitations on the update functionality depending on how your payment service provider has configured your token repository.

Card Details

A token that contains card details can become invalid in the following cases:

  • Scheme Token Provider: If a response or notification from the scheme token provider indicates that the card number for this scheme token has changed and the scheme token is no longer active.
  • Recurring Payment Advice: If the acquirer response for a recurring payment indicates that you must not attempt another recurring payment with the card number stored against this token.
  • Account Updater: If you are configured for Account Updater and an Account Updater response indicates that the card details are no longer valid.


PayPal Details

A token that contains PayPal payment details becomes invalid when the payer withdraws their consent to the Billing Agreement.

Existence
Always Provided
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
INVALID
The payment details stored against the token have been identified as invalid. The gateway will reject operation payment requests using this token.
VALID
The payment details stored against the token are considered to be valid. The gateway will attempt to process operation requests using this token.

subMerchant   = CONDITIONAL

Provide these parameters if you are a payment aggregator or facilitator and process payments on behalf of other merchants.
These merchants are referred to as your sub merchants. The sub merchant's details you provide may be displayed on the payer's cardholder statement. The gateway will use separate token repositories for each of your sub merchants
Fixed value

subMerchant.identifier  Alphanumeric + additional characters = Always Provided

Your identifier for the sub-merchant.
Existence
Always Provided
Fixed value
Validation Rules
Data may consist of the characters 0-9, a-z, A-Z, '-', '_', ' ', '&', '+', '!', '$', '.'
JSON type
String
minimum length
1
maximum length
100

token  Alphanumeric = CONDITIONAL

On request, supply the token you wish to create or update.
You can only supply this value when creating a token if your token repository is configured to support merchant-supplied tokens.

On response, the format of the token depends on the token generation strategy configured for your repository. See Tokenization for more details.

You will receive a new token in field replacementToken when:

  • Your token repository is configured to use a 6.4 Token Generation Strategy, and
  • You set request.verificationStrategy = ACCOUNT_UPDATER or you are configured for the Token Maintenance Service functionality, and
  • The Account Updater service provided a new account identifier (with a different 6.4 mask).


You should use the new token in future operation requests and delete the old token.
Existence
CONDITIONAL
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

usage   = CONDITIONAL

Information about the usage of the token.
Fixed value

usage.lastUpdated.merchantId  Alphanumeric + additional characters = CONDITIONAL

If the token was last updated by a merchant this field contains the merchant ID of the merchant that made the update.
Existence
CONDITIONAL
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

usage.lastUpdated.time  DateTime = CONDITIONAL

The timestamp indicating the date and time the token was last updated.
Existence
CONDITIONAL
Fixed value
Validation Rules
An instant in time expressed in ISO8601 date + time format - "YYYY-MM-DDThh:mm:ss.SSSZ"
JSON type
String

usage.lastUsedTime  DateTime = CONDITIONAL

The timestamp indicating the date and time the token was last used or saved.
Existence
CONDITIONAL
Fixed value
Validation Rules
An instant in time expressed in ISO8601 date + time format - "YYYY-MM-DDThh:mm:ss.SSSZ"
JSON type
String

verificationStrategy  Enumeration = CONDITIONAL

The strategy used to verify the payment instrument details before they are stored.
You only need to specify the verification strategy if you want to override the default value configured for your merchant profile. When the verification strategy is
  • BASIC you must also provide the card expiry date in the sourceOfFunds.provided.card.expiry parameter group.
  • ACQUIRER you must also provide the card expiry date in the sourceOfFunds.provided.card.expiry parameter group and the currency in the transaction.currency field.
  • ACCOUNT_UPDATER you must also provide a currency in the transaction.currency field and the sourceOfFunds parameter group is optional.
To use this operation to request an account update
  • you need to be enabled for Account Updater by your payment service provider.
  • you can subsequently inquire about any updates the gateway has made to the token based on the Account Updater response using the RETRIEVE_TOKEN or SEARCH_TOKENS operations.
As a result of an account update the payment details stored against the token may be updated or the token may be marked as invalid. Any updates made to the payment details respect the token management strategy configured for your token repository. For example, if the token repository is configured with a token generation strategy of Preserve 6.4 and an account update indicates that the card number has changed, the token is marked as invalid. You can no longer use an invalid token and must ask your payer for new payment details.
Existence
CONDITIONAL
Fixed value
Validation Rules
JSON type
String
Value must be a member of the following list. The values are case sensitive.
ACQUIRER
The gateway performs a Web Services API Verify request. Depending on the payment type, you may need to provide additional details to enable the submission of a Verify request.
BASIC
The gateway verifies the syntax and supported ranges of the payment instrument details provided, .e.g for a card it validates the card number format and checks if the card number falls within a valid BIN range.
NONE
The gateway does not perform any validation or verification of the payment instrument details provided.

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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