Documentation Changes and Enhancements
Chapter 1
Introduction
About the Business Center
Processing Credit Cards
Supported Card Types
MasterCard and Diners Club Alliance
Reducing Your Chances of Fraud
Address Verification Service
Card Verification Numbers
Smart Authorization
$0 Authorization
Using This Guide
Chapter 2
Processing Credit Card Orders
Downloading a Client
Using the Latest API Version
Overview of API Requests and Replies
API Requests
Using Items or a Grand Total in the Request
Using Items
Using a Grand Total
Requesting a Follow-on Service
Example Request
API Replies
Decisions
Reason Codes
Missing and Invalid Request Fields
Request Tokens
Example Replies
Order Identifiers
Order Number
Request ID
Request Token
Reconciliation ID
Processing a Credit Card Order
Requesting an Authorization
Requesting a Sale
Using Fraud Screening Tests
Address Verification Service
Card Verification Number
Smart Authorization
Using Additional Authorization Features
Capturing the Order
Automatic Partial Authorization Reversals
Refunding the Customer’s Money
Reconciling Your Orders
Testing Your Implementation
Going Live
Authorization API Fields
Request Fields
Reply Fields
Chapter 3
Processing Electronic Check Orders
Preparing to Accept Electronic Checks
Processing Electronic Check Payments
Corporate Checks
Replies
Coupons
Seeing When the Check Has Cleared
Refunding the Customer’s Money
Testing Your Implementation
Electronic Check Debit API Fields
Request Fields
Reply Fields
Example Request & Reply
Chapter 4
Advanced API Capabilities for Credit Cards
Additional Authorization Features
Using a Subscription for a Payment
Performing a Forced Capture
Indicating a Bill Payment with Visa
Indicating a Recurring Payment
Additional Reply Fields for Recurring Payments
Using Coupons
American Express Prepaid Cards
Using the API for Captures
Processing a Verbal Authorization
Including Merchant Descriptors in the Request
FDMS South
Paymentech New Hampshire
Capture Request Fields
Capture Reply Fields
Using the API for Credits
Using a Subscription for a Credit
Indicating a Credit for a Bill Payment with Visa
Including Merchant Descriptors in the Request
Credit Request Fields
Credit Reply Fields
Using the API for Voids
Void Request Fields
Void Reply Fields
Using Payer Authentication
Additional Payer Authentication Request Fields
Additional Payer Authentication Reply Fields
Chapter 5
Advanced API Capabilities for Electronic Checks
Using a Subscription for a Debit or Credit
Processing Credits with the API
Follow-On Credits
Stand-Alone Credits
Reconciliation ID
Payment Events Report
Credit Request Fields
Credit Reply Fields
Reason Codes
Chapter 6
Using the XML API
Downloading a Client
About the XML API
Constructing Requests
Parsing Replies
Correlating Fields Names
Requesting Credit Card Authorization
Numbering Items
Example Request & Reply
Request
Reply
Appendix A
Product Codes
Appendix B
Address Verification Service Codes
Appendix C
Card Verification Number Codes
Appendix D
Smart Authorization Factor Codes
Appendix E
Reason Codes for the Simple Order API
Reason Codes for Credit Card Services
Reason Codes for Electronic Check Services
Index