Create or Update Risk Assessment
Request to send a card transaction to a risk service provider without processing a payment.
You can use this operation when you want to:
- Assess risk: request the risk service provider to assess the risk of a card transaction and provide a result. In this case set requestAction to RISK_ASSESSMENT.
- Provide information only: inform the risk service provider about a card transaction or the outcome of processing a card transaction. You do not require the risk service provider to provide a risk assessment result. In this case set requestAction to INFORMATION_ONLY and provide details about the transaction processing result in the transactionProcessingResponse parameter group.
Authentication Copied to clipboard
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 Copied to clipboard
URL Parameters Copied to clipboard
Alphanumeric + additional characters
REQUIRED
The unique identifier issued to you by your payment provider.
This identifier can be up to 12 characters in length.
Data may consist of the characters 0-9, a-z, A-Z, '-', '_'
Min length: 1 Max length: 40Alphanumeric + additional characters
REQUIRED
A unique identifier for this risk assessment to distinguish it from any other risk assessment you create.
Data may consist of the characters 0-9, a-z, A-Z, '-', '_', ' ', '&', '+', '!', '$', '%', '.'
Min length: 1 Max length: 40Fields Copied to clipboard
A commercial agreement you have with the payer that allows you to store and use their payment details for later payments.
For example, an agreement to a series of recurring payments (a mobile phone subscription), an agreement to take payment for a purchase by a series of installments (hire purchase), an agreement to make additional payments when required (account top up), or to fulfil a standard industry practice (no show penalty charge).
Do not provide this parameter group if you are storing the payment details for subsequent payer-initiated payments only.
See Credential on File, Cardholder, and Merchant Initiated Transactions for details.
Enumeration
OPTIONAL
The type of commercial agreement that the payer has with you.
Specify the agreement type when you have provided a value for agreement.id and this payment is the first in a series of payments. The default value is OTHER.
The gateway will use the value you specify for subsequent payments in the series.
Value must be a member of the following list. The values are case sensitive.
INDUSTRY_PRACTICE
An agreement where the payer authorizes you to initiate additional transactions to fulfil a standard business practice related to an original payment initiated by the payer. These additional payments are triggered by an event not known at the time of the payer's initial agreement. For example, a delayed charge for use of the hotel mini bar after the payer has checked out or a no show charge when the payer fails to show for a booking.
INSTALLMENT
An agreement where the payer authorizes the payment for a single purchase to be split into a number of payments processed at agreed intervals. For example, pay for a purchase in six monthly installments.
OTHER
An agreement where you want to link related payments for any purpose other than processing recurring, installment, or unscheduled payments. For example, split tender payments.
RECURRING
An agreement where the payer authorizes you to process repeat payments for bills or invoices at agreed intervals (for example, weekly, monthly). The amount might be fixed or variable.
UNSCHEDULED
An agreement where the payer authorizes you to automatically deduct funds for a payment for an agreed purchase when required (unscheduled). For example, auto top-ups when the account value falls below a threshold.
Airline industry specific data.
Alphanumeric
OPTIONAL
The record locator used to access a specific Passenger Name Record (PNR).
PNR is a record in the database of a booking system that contains the itinerary for a passenger, or a group of passengers traveling together.
Data may consist of the characters 0-9, a-z, A-Z
Enumeration
OPTIONAL
The type of charge associated with the transaction.
Document Type Code
Value must be a member of the following list. The values are case sensitive.
ADDITIONAL_COLLECTION
Additional Collection
AGENCY_EXCHANGE_ORDER
Agency Exchange Order
AGENCY_GROUP_TICKET
Agency Group Ticket
AGENCY_MISCELLANEOUS_CHARGE_ORDER
Agency Misc. Charge Order (MCO)
AGENCY_PASSENGER_TICKET
Agency Passenger Ticket
AGENCY_TOUR_ORDER_OR_VOUCHER
Agency Tour Order/Voucher
AIR_FREIGHT
SPD/Air Freight
ANIMAL_TRANSPORTATION_CHARGE
Animal Transportation Charge
CATALOGUE_MERCHANDISE_ORDERED
Catalogue Merchandise Ordered
CLUB_MEMBERSHIP_FEE
Club Membership Fee
COUPON_BOOK
Coupon Book
CREDIT_CLASS_SERVICE_ADJUSTMENT
Credit Class of Service Adjustment
CREDIT_DENIED_BOARDING
Credit Denied Boarding
CREDIT_EXCHANGE_REFUND
Credit Exchange Refund
CREDIT_LOST_TICKET_REFUND
Credit Lost Ticket Refund
CREDIT_MISCELLANEOUS_REFUND
Credit Misc. Refund
CREDIT_MULTIPLE_UNUSED_TICKETS
Credit Multiple Unused Tickets
CREDIT_OVERCHARGE_ADJUSTMENT
Credit Overcharge Adjustment
CREDIT_UNUSED_TRANSPORTATION
Credit Unused Transportation
DEBT_ADJUSTMENT_DUPLICATE_REFUND_OR_USE
Debt Adjustment Duplicate Refund/Use
DUTY_FREE_SALE
Duty Free Sale
EXCESS_BAGGAGE
Excess Baggage
EXCHANGE_ADJUSTMENT
Exchange Adjustment
EXCHANGE_ORDER
Exchange Order
FIREARMS_CASE
Firearms Case
FREQUENT_FLYER_FEE_OR_PURCHASE
Frequent Flyer Fee/Purchase
FREQUENT_FLYER_FULFILLMENT
Frequent Flyer Fulfillment
FREQUENT_FLYER_OVERNIGHT_DELIVERY_CHARGE
Frequent Flyer Overnight Delivery Charge
GROUP_TICKET
Group Ticket
IN_FLIGHT_ADJUSTMENT
In-flight Adjustment
IN_FLIGHT_CHARGES
In-flight Charges
IN_FLIGHT_DUTY_FREE_PURCHASE
In-flight Duty Free Purchase
IN_FLIGHT_MERCHANDISE_ORDERED
In-flight Merchandise Ordered
IN_FLIGHT_PHONE_CHARGES
In-flight Phone Charges
KENNEL_CHARGE
Kennel Charge
LOST_TICKET_APPLICATION
Lost Ticket Application
MISCELLANEOUS_CHARGE_ORDER_OR_PREPAID_TICKET_ADVICE
Misc. Charge Order (MCO) / Prepaid Ticket Auth.
MISCELLANEOUS_TAXES_FEES
Miscellaneous Tax(es) Fee(s)
PASSENGER_TICKET
Passenger Ticket
SELF_SERVICE_TICKETS
Self-Service Ticket(s)
SENIOR_CITIZEN_DISCOUNT_BOOKLETS
Senior Citizen Discount Booklets
SMALL_PACKAGE_DELIVERY
Small Package Delivery
SPECIAL_SERVICE_TICKET
Special Service Ticket
SUPPORTED_REFUND
Supported Refund
TICKET_BY_MAIL
Ticket by Mail
TOUR_DEPOSIT
Tour Deposit
TOUR_ORDER_VOUCHER
Tour Order Voucher
UNDERCHARGE_ADJUSTMENT
Undercharge Adjustment
UNSUPPORTED_REFUND
Unsupported Refund
UPGRADE_CHARGE
Upgrade Charge
VENDOR_REFUND_CREDIT
Vendor Refund Credit
VENDOR_SALE
Vendor Sale
Itinerary details
Travel leg details.
Regex
OPTIONAL
The 2-character IATA airline code or 3 digit accounting code or both of the airline carrier for the trip leg.
Data must match regex
Alphanumeric
OPTIONAL
The ticket containing the coupon for this leg for an itinerary with more than four trip legs.
Data may consist of the characters 0-9, a-z, A-Z
Alphanumeric
OPTIONAL
The coupon number on the ticket for the trip leg.
Each trip leg requires a separate coupon. The coupon within the series is identified by the coupon number.
Data may consist of the characters 0-9, a-z, A-Z
Upper case alphabetic text
OPTIONAL
The 3 character IATA airport code of the departure airport for the trip leg.
Data must consist of the characters A-Z
Date
OPTIONAL
Date of departure for the trip leg.
Data must comply with ISO 8601 extended date format, yyyy-mm-dd
Decimal
OPTIONAL
Tax payable on departure for the trip leg.
Data is a string that consists of the characters 0-9 and '.' and represents a valid decimal number.
Time
OPTIONAL
Departure time in local time for the departure airport for this trip leg.
Data must comply with ISO 8601 extended time formats, hh:mm[:ss]Z or hh:mm[:ss](+/-)hh[:mm]
Upper case alphabetic text
OPTIONAL
The 3 character IATA airport code for the destination airport for the trip leg.
Data must consist of the characters A-Z
Date
OPTIONAL
Arrival date in local time for the destination airport for this trip leg.
Data must comply with ISO 8601 extended date format, yyyy-mm-dd
Time
OPTIONAL
Arrival time in local time for the destination airport for this trip leg.
Data must comply with ISO 8601 extended time formats, hh:mm[:ss]Z or hh:mm[:ss](+/-)hh[:mm]
Alphanumeric
OPTIONAL
Restrictions (e.g. non-refundable) or endorsements applicable to the trip leg.
Data may consist of the characters 0-9, a-z, A-Z
Alphanumeric
OPTIONAL
New ticket number issued when a ticket is exchanged for the trip leg.
Data may consist of the characters 0-9, a-z, A-Z
Decimal
OPTIONAL
Total fare payable for the trip leg.
Data is a string that consists of the characters 0-9 and '.' and represents a valid decimal number.
Alphanumeric
OPTIONAL
Code defining the rules forming the basis of the fare (type of fare, class entitlement, etc.)
Data may consist of the characters 0-9, a-z, A-Z
Decimal
OPTIONAL
Total fees payable for the trip leg.
Data is a string that consists of the characters 0-9 and '.' and represents a valid decimal number.
Alphanumeric
OPTIONAL
The flight number for the trip leg.
Data may consist of the characters 0-9, a-z, A-Z
Boolean
OPTIONAL
Indicates if a stopover is permitted for the trip leg.
JSON boolean values 'true' or 'false'.
Decimal
OPTIONAL
Total taxes payable for the trip leg.
Data is a string that consists of the characters 0-9 and '.' and represents a valid decimal number.
Alphanumeric
OPTIONAL
The industry code indicating the class of service (e.g. Business, Coach) for the leg.
Data may consist of the characters 0-9, a-z, A-Z
Digits
OPTIONAL
Number of passengers associated with this booking.
Data is a string that consists of the characters 0-9.
Upper case alphabetic text
OPTIONAL
The 3 character ISO 3166-1 alpha-3 country code of the country of origin for the itinerary.
Data must consist of the characters A-Z
Passenger details
String
OPTIONAL
First name of the passenger to whom the ticket is being issued.
Data can consist of any characters
String
OPTIONAL
Frequent Flyer or Loyalty Program number for this passenger.
Data can consist of any characters
String
OPTIONAL
Last name of the passenger to whom the ticket is being issued.
Data can consist of any characters
String
OPTIONAL
Middle name of the passenger to whom the ticket is being issued.
Data can consist of any characters
Alphanumeric
OPTIONAL
Passenger specific information recorded on the ticket.
Data may consist of the characters 0-9, a-z, A-Z
String
OPTIONAL
Title of the passenger to whom the ticket is being issued.
Data can consist of any characters
Alphanumeric
OPTIONAL
Plan number supplied by the airline for this booking.
Data may consist of the characters 0-9, a-z, A-Z
Ticket details
Boolean
OPTIONAL
Indicates if a conjunction ticket with additional coupons was issued.
Conjunction ticket refers to two or more tickets concurrently issued to a passenger and which together constitute a single contract of carriage.
JSON boolean values 'true' or 'false'.
Boolean
OPTIONAL
Indicates if an electronic ticket was issued.
JSON boolean values 'true' or 'false'.
Alphanumeric
OPTIONAL
The original ticket number when this is a transaction for an exchanged ticket.
Data may consist of the characters 0-9, a-z, A-Z
Ticket issue information.
String
OPTIONAL
The address where the ticket was issued.
Data can consist of any characters
Regex
OPTIONAL
The 2-character IATA airline code or 3 digit accounting code or both of the airline carrier issuing the ticket.
Data must match regex
Alphanumeric
OPTIONAL
Name of airline carrier issuing the ticket.
Data may consist of the characters 0-9, a-z, A-Z
String
OPTIONAL
The city/town where the ticket was issued.
Data can consist of any characters
Upper case alphabetic text
OPTIONAL
The 3 character ISO 3166-1 alpha-3 country code of the country where the ticket was issued.
Data must consist of the characters A-Z
Date
OPTIONAL
The date the ticket was issued.
Data must comply with ISO 8601 extended date format, yyyy-mm-dd
Alphanumeric
OPTIONAL
Industry code of the travel agent issuing the ticket.
Data may consist of the characters 0-9, a-z, A-Z
Alphanumeric
OPTIONAL
Name of the travel agent issuing the ticket.
Data may consist of the characters 0-9, a-z, A-Z
Boolean
OPTIONAL
Indicates if the issued ticket is refundable.
JSON boolean values 'true' or 'false'.
Breakdown of the ticket taxes, airport taxes, charges and fees for an airline ticket purchase.
The total of the amounts in this group should equal the sum of the airline.ticket.totalFees and airline.ticket.totalTaxes fields.
Decimal
OPTIONAL
The tax, charge or fee amount payable.
Data is a string that consists of the characters 0-9 and '.' and represents a valid decimal number.
Alphanumeric
OPTIONAL
The tax, charge or fee type code as assigned by IATA.
For example, the IATA tax/ charge/ fee type for Passenger Movement Charge (PMC) in Australia is TT1.
Data may consist of the characters 0-9, a-z, A-Z
Alphanumeric
OPTIONAL
The airline ticket number associated with the transaction.
Data may consist of the characters 0-9, a-z, A-Z
Decimal
OPTIONAL
Total fare for all trip legs on the ticket.
Data is a string that consists of the characters 0-9 and '.' and represents a valid decimal number.
Decimal
OPTIONAL
Total fee for all trip legs on the ticket.
Data is a string that consists of the characters 0-9 and '.' and represents a valid decimal number.
Decimal
OPTIONAL
Total taxes for all trip legs on the ticket.
Data is a string that consists of the characters 0-9 and '.' and represents a valid decimal number.
Enumeration
OPTIONAL
The type of transaction performed against this airline booking.
Transaction Type
Value must be a member of the following list. The values are case sensitive.
EXCHANGE_TICKET
Exchange Ticket
MISCELLANEOUS_CHARGE
Miscellaneous Charge
REFUND
Refund
REVERSAL
Reversal
TICKET_PURCHASE
Ticket Purchase
TOUR_ORDER
Tour Order
String
= CREATE_OR_UPDATE_RISK_ASSESSMENT
FIXED
Any sequence of zero or more unicode characters.
Information about how the payer's identity is verified.
For example, using 3-D Secure authentication.
This parameter group include payer authentication options available to you, parameters you need to perform payer authentication for an available method, and the results of payer authentication.
Information about payer authentication using 3-D Secure authentication.
Only provide these fields if you authenticated the payer using a different 3-D Secure service provider. If you authenticated the payer using the gateway, then provide authentication.transactionId instead.
Parameters in this group apply to both 3-D Secure authentication version 1 and 3-D Secure Authentication version 2.
Depending on the 3-D Secure authentication version applicable you will also need additional parameters:
- 3-D Secure authentication version 1: see the authentication.3ds1 parameter group.
- 3-D Secure authentication version 2: see the authentication.3ds2 parameter group.
Alphanumeric
OPTIONAL
Indicates the security level of the transaction.
This is the Electronic Commerce Indicator (ECI) value provided by the issuer's Access Control Server (ACS) to indicate the results of the attempt to authenticate the payer.
Data may consist of the characters 0-9, a-z, A-Z
Details of the payer's billing address.
The payer's billing address.
This data may be used to qualify for better interchange rates on corporate purchase card transactions.
String
OPTIONAL
The city portion of the address.
Data can consist of any characters
String
OPTIONAL
The name of the company associated with this address.
Data can consist of any characters
Upper case alphabetic text
OPTIONAL
The 3 letter ISO standard alpha country code of the address.
Data must consist of the characters A-Z
Alphanumeric + additional characters
OPTIONAL
The post code or zip code of the address.
Data may consist of the characters 0-9, a-z, A-Z, ' ', '-'
String
OPTIONAL
The state or province of the address.
Data can consist of any characters
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.
Data can consist of any characters
String
OPTIONAL
The first line of the address.
For example, this may be the street name and number, or the Post Office Box details.
Data can consist of any characters
String
OPTIONAL
The second line of the address (if provided).
Data can consist of any characters
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.
Data can consist of any characters
Cruise industry data.
String
OPTIONAL
The cruise booking reference.
Data can consist of any characters
Information about the cruise line.
Contact details of the cruise line.
Telephone Number
OPTIONAL
The cruise line registered office telephone number in ITU-T E123 format.
Data consists of '+', country code (1, 2 or 3 digits), 'space', and national number (which may embed single space characters for readability)
Telephone Number
OPTIONAL
The customer service phone number in ITU-T E123 format.
Data consists of '+', country code (1, 2 or 3 digits), 'space', and national number (which may embed single space characters for readability)
A departurePort is the port where the passenger(s) boarded the cruise ship when the cruise trip started
Address of the cruise line.
String
OPTIONAL
The city portion of the address.
Data can consist of any characters
Upper case alphabetic text
OPTIONAL
The 3 letter ISO standard alpha country code of the address.
Data must consist of the characters A-Z
Alphanumeric + additional characters
OPTIONAL
The post code or zip code of the address.
Data may consist of the characters 0-9, a-z, A-Z, ' ', '-'
String
OPTIONAL
The state or province code of the address.
The value must match the second part of the ISO 3166-2 code. For an address in the United States provide the 2-letter ISO 3166-2 state code. For US military bases provide one of AE, AA, AP. For an address in Canada provide the 2-letter ISO 3166-2 province code.
Data can consist of any characters
String
OPTIONAL
The first line of the address.
Data can consist of any characters
String
OPTIONAL
The second line of the address (if provided).
Data can consist of any characters
Cruise passenger details.
String
OPTIONAL
The first name of the passenger.
Data can consist of any characters
String
OPTIONAL
The folio number assigned to the passenger.
Data can consist of any characters
String
OPTIONAL
The last name of the passenger.
Data can consist of any characters
String
OPTIONAL
The middle name of the passenger.
Data can consist of any characters
String
OPTIONAL
The title of the passenger.
Data can consist of any characters
Date
OPTIONAL
The cruise return/ sail end date.
This field is required when cruise.departureDate is provided and the value must be equal to or later than cruise.departureDate.
Data must comply with ISO 8601 extended date format, yyyy-mm-dd
String
OPTIONAL
The name of the cruise ship.
Data can consist of any characters
Alphanumeric
OPTIONAL
The industry code of the travel agent booking the cruise.
Data may consist of the characters 0-9, a-z, A-Z
String
OPTIONAL
The name of the travel agent booking the cruise.
Data can consist of any characters
Comma separated enumeration
OPTIONAL
A comma separated list of the travel items that are included as part of a cruise travel package.
If the value CRUISE_ONLY is provided then other items are not permitted in the list.
Value must be one or more comma separated members of the following list. The values are case sensitive.
CAR_RENTAL
Car rental is included in the travel package.
CRUISE_ONLY
No additional items are included in the cruise travel package.
FLIGHT
Flights are included in the travel package.
Information about the customer, including their contact details.
String
OPTIONAL
Your identifier for the payer's account with you.
This should be an immutable identifier, rather than the customer's name, email or such data that could be changed by the customer.
Data can consist of any characters
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.
Ensures that the email address is longer than 3 characters and adheres to a generous subset of valid RFC 2822 email addresses
Telephone Number
OPTIONAL
The payer'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).
Data consists of '+', country code (1, 2 or 3 digits), 'space', and national number (which may embed single space characters for readability)
Telephone Number
OPTIONAL
The payer'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).
Data consists of '+', country code (1, 2 or 3 digits), 'space', and national number (which may embed single space characters for readability)
Information about the device used by the payer for this transaction.
String
OPTIONAL
The User-Agent header of the browser the customer used to place the order.
For example, MOZILLA/4.0 (COMPATIBLE; MSIE 5.0; WINDOWS 95)
Data can consist of any characters
String
OPTIONAL
Information collected about a remote computing device for the purpose of providing a unique identifier for the device.
For example, session ID, blackbox ID.
Data can consist of any characters
String
OPTIONAL
The IP address of the device used by the payer, in nnn.nnn.nnn.nnn format.
Data can consist of any characters
String
OPTIONAL
The mobile phone manufacturer's identifier for the model of the mobile device used to initiate the payment.
Data can consist of any characters
Information about the order associated with this transaction.
Decimal
OPTIONAL
The total amount for the order. This is the net amount plus any merchant charge amounts.If you provide any sub-total amounts, then the sum of these amounts (order.itemAmount, order.taxAmount, order.shippingAndHandlingAmount, order.cashbackAmount, order.gratuityAmount, order.merchantCharge.amount and order.dutyAmount), minus the order.discountAmount must equal the net amount.
The value of this field in the response is zero if payer funds are not transferred.
Data is a string that consists of the characters 0-9 and '.' and represents a valid decimal number.
Decimal
OPTIONAL
The amount the payer has chosen to receive as cash in addition to the amount they are paying for the goods or services they are purchasing from you.
The cash back amount is included in the total amount of the order you provide in order.amount.
This field corresponds to EMV tag 9F03
Data is a string that consists of the characters 0-9 and '.' and represents a valid decimal number.
Upper case alphabetic text
REQUIRED
The currency of the order expressed as an ISO 4217 alpha code, e.g. USD.
Data must consist of the characters A-Z
String
OPTIONAL
Short textual description of the contents of the order.
Data can consist of any characters
Information about a price reduction you have applied to the order.
For example, you may apply discounts for trade, employees, bulk purchase, or a sales promotion.
Decimal
OPTIONAL
The total amount of the discount you have applied to the order.
Data is a string that consists of the characters 0-9 and '.' and represents a valid decimal number.
String
OPTIONAL
The code you use to identify the reason for the discount.
Data can consist of any characters
Enumeration
OPTIONAL
Details about the source of the payment details used for digital payment methods.
Provide this value when you process payments for:
- • 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.
Value must be a member of the following list. The values are case sensitive.
APPLE_PAY
Apple Pay mobile wallet provider.
GOOGLE_PAY
Google Pay mobile wallet provider.
SAMSUNG_PAY
Samsung Pay mobile wallet provider.
SECURE_REMOTE_COMMERCE
Secure Remote Commerce (SRC) wallet provider.
Enumeration
REQUIRED
Informs the risk service provider how you want them to process the information you have provided in the request.
Informs the risk service provider how you want them to process the information you have provided in the request..
Value must be a member of the following list. The values are case sensitive.
INFORMATION_ONLY
You are informing the risk service provider about a card transaction or the outcome of a card transaction. You do not require the risk service provider to provide a risk assessment result.
RISK_ASSESSMENT
You are requesting the risk service provider to assess the risk of a card transaction and provide a risk assessment result.
Shipping information for this order.
The address to which this order will be shipped.
String
OPTIONAL
The city portion of the address.
Data can consist of any characters
String
OPTIONAL
The name of the company associated with this address.
Data can consist of any characters
Upper case alphabetic text
OPTIONAL
The 3 letter ISO standard alpha country code of the address.
Data must consist of the characters A-Z
Alphanumeric + additional characters
OPTIONAL
The post code or zip code of the address.
Data may consist of the characters 0-9, a-z, A-Z, ' ', '-'
String
OPTIONAL
The state or province of the address.
Data can consist of any characters
String
OPTIONAL
The first line of the address.
For example, this may be the street name and number, or the Post Office Box details.
Data can consist of any characters
String
OPTIONAL
The second line of the address (if provided).
Data can consist of any characters
Details of the contact person at the address the goods will be shipped to.
Email
OPTIONAL
The contact person's email address.
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.
Ensures that the email address is longer than 3 characters and adheres to a generous subset of valid RFC 2822 email addresses
String
OPTIONAL
The first name of the person to whom the order is being shipped.
Data can consist of any characters
String
OPTIONAL
The last name or surname of the person to whom the order is being shipped.
Data can consist of any characters
Telephone Number
OPTIONAL
The contact person'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).
Data consists of '+', country code (1, 2 or 3 digits), 'space', and national number (which may embed single space characters for readability)
Telephone Number
OPTIONAL
The contact person'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).
Data consists of '+', country code (1, 2 or 3 digits), 'space', and national number (which may embed single space characters for readability)
Enumeration
OPTIONAL
The shipping method used for delivery of this order.
Value must be a member of the following list. The values are case sensitive.
ELECTRONIC
Electronic delivery.
GROUND
Ground (4 or more days).
NOT_SHIPPED
Order for goods that are not shipped (for example, travel and event tickets)
OVERNIGHT
Overnight (next day).
PICKUP
Shipped to a local store for pick up.
PRIORITY
Priority (2-3 days).
SAME_DAY
Same day.
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.
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.
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).
Details about the card that you have sourced using digital payment methods.
Use this parameter group when you have sourced payment details using:
- • 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. This applies when you have tokenized the payer's card number using a card scheme tokenization service such as Mastercard Digital Enablement Service (MDES) or Visa Token Service (VTS).
Digits
OPTIONAL
The Electronic Commerce Indicator generated for payments made using a device payment method.
You source this field directly from the decrypted payment token.
You must provide this field if you have it. This field is not applicable for payments using digital wallets.
Data is a string that consists of the characters 0-9.
Base64
OPTIONAL
A cryptogram used to authenticate the transaction.
Use this field for:
- • Device payments: source this field directly from the decrypted payment token.
- • Card scheme tokens: source this field directly from the decrypted transaction credentials. For MDES (Mastercard Digital Enablement Service) tokens this is the UCAF cryptogram (de48se43Data). For VTS (Visa Token Service) tokens this is the TAVV cryptogram.
Data is Base64 encoded
Expiry date, as shown on the card or as provided for a card scheme token.
This field corresponds to EMV tag 5F24
Digits
REQUIRED
Month, as shown on the card.
Months are numbered January=1, through to December=12.
Data is a number between 1 and 12 represented as a string.
Digits
REQUIRED
Year, as shown on the card.
The Common Era year is 2000 plus this value.
Data is a string that consists of the characters 0-9.
String
OPTIONAL
The cardholder's name as printed on the card.
Data can consist of any characters
Digits
OPTIONAL
The account number of the payer's account used for the payment.
On requests, provide the number in the form that you receive it (as explained below). On responses, the gateway populates it with a form that the payer would recognize (also explained in more detail below).
- Request
On request, populate this field based on the payment method you are using for the payment:- • Card: the account number embossed onto the card. This field corresponds to EMV tag 5A.
- • Device payment methods such as Apple Pay, Android Pay, Samsung Pay, or Google Pay. Normally for device payments, you would populate sourceOfFunds.provided.card.devicePayment.paymentToken and the gateway will decrypt and extract this field. However, you can populate this field if you decrypt the payment token yourself. In this case use the Device PAN (DPAN) provided in the payment token.
- • Digital wallets such as Masterpass, Visa Checkout or Amex Express Checkout. In this case, provide the PAN retrieved from the wallet.
- • Scheme tokens such as MDES (Mastercard Digital Enablement Service) or Visa Token Service (VTS). For MDES tokens, supply the value called the "Token PAN". For VTS tokens, supply the value called "Token"
- Response
On return, the card number will be populated 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.
When a DPAN or scheme token was provided in the transaction request, then this field will represent the PAN of the associated payer's account (when supported by the acquirer). This is also referred to as the Funding PAN (FPAN).
Data is a string that consists of the characters 0-9.
String
OPTIONAL
The unique identifier that links a Primary Account Number (PAN) for a card with all Device Primary Account Numbers (DPANs) or card scheme tokens issued for the card.
Data can consist of any characters
Digits
OPTIONAL
Card verification code, as printed on the back or front of the card or as provided for a card scheme token.
Data is a string that consists of the characters 0-9.
Enumeration
OPTIONAL
This field only applies if you collect card details from your payer, store them, and either you or your payer use the stored credentials for subsequent payments.
Refer to Credential on File, Cardholder and Merchant-initiated Transactions for details.
Value must be a member of the following list. The values are case sensitive.
NOT_STORED
Set this value if you are not storing the card details provided by the payer for this transaction. The gateway sets this value by default, if you are submitting a payer-initiated transaction. You must not use this value when submitting merchant-initiated transactions.
STORED
Set this value if you have previously stored the card details provided by the payer and are now using these stored details. The gateway sets this value by default, if you are submitting a merchant-initiated transaction.
TO_BE_STORED
Set this value if this is the first transaction using these card details and you intend to store the card details if the transaction is successful.
Enumeration
OPTIONAL
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.
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.
SCHEME_TOKEN
Use this value for payments using scheme tokens provided by Mastercard Digital Enablement Service (MDES), or Visa Token Service (VTS), or American Express Token Service (AETS).
Information about the transaction.
DateTime
REQUIRED
The date and time the transaction was created in your system or in the system that you used to submit the transaction to the acquirer.
An instant in time expressed in ISO8601 date + time format - "YYYY-MM-DDThh:mm:ss.SSSZ"
Enumeration
REQUIRED
Indicates the channel through which you received authorization for the payment from the payer.
For example, set this value to INTERNET if the payer initiated the payment online.
If you have an existing agreement with the payer that authorizes you to process this payment (for example, a recurring payment) then set this value to MERCHANT.
Value must be a member of the following list. The values are case sensitive.
CALL_CENTRE
Transaction conducted via a call centre.
CARD_PRESENT
Transaction where the card is presented to the merchant.
INTERNET
Transaction conducted over the Internet.
MAIL_ORDER
Transaction received by mail.
MERCHANT
Transaction initiated by you based on an agreement with the payer. For example, a recurring payment, installment payment, or account top-up.
TELEPHONE_ORDER
Transaction received by telephone.
VOICE_RESPONSE
Transaction conducted by a voice/DTMF recognition system.
Enumeration
REQUIRED
Informs the risk service provider about the type of transaction for which you are requesting a risk assessment.
Value must be a member of the following list. The values are case sensitive.
AUTHORIZATION
Authorization
AUTHORIZATION_UPDATE
Authorization Update
CAPTURE
Capture
OTHER
Any other transaction type
PAYMENT
Payment (Purchase)
REFUND
Refund
REFUND_AUTHORIZATION
Refund Authorization
VERIFICATION
Verification
VOID_AUTHORIZATION
Void Authorization
VOID_CAPTURE
Void Capture
VOID_PAYMENT
Void Payment
VOID_REFUND
Void Refund
Url
OPTIONAL
If transaction.source=INTERNET, provide the URL of the site (including the full path, parameters, port etc.
) on which the payer clicked the 'Pay' button to initiate the payment for this transaction.
Ensure that this is a valid URL according to RFC 1738.
Provide this parameter group if you are requesting a risk assessment for a transaction that you have already submitted to the acquirer for processing.
Provide all available details about the transaction processing outcome, based on the response you have received from your acquirer.
String
OPTIONAL
Additional data that you may have received from the acquirer in the transaction response.
Data can consist of any characters
Decimal
OPTIONAL
The amount returned by the acquirer in the transaction response.
Only provide this amount if it differs from the amount you requested.
Data is a string that consists of the characters 0-9 and '.' and represents a valid decimal number.
Enumeration
OPTIONAL
The Address Verification Service (AVS) result returned by the acquirer in the transaction response.
Value must be a member of the following list. The values are case sensitive.
ADDRESS_MATCH
The street address matched. The post conde and cardholder name did not match or were not provided or were provided but not checked.
ADDRESS_ZIP_MATCH
Both the street address and post code matched. The cardholder name did not match or was not provided or was provided but not checked.
NAME_ADDRESS_MATCH
The cardholder name and street address matched. The post code did not match or was not provided or was provided but not checked.
NAME_ADDRESS_ZIP_MATCH
The cardholder name, street address and post code matched.
NAME_MATCH
The cardholder name matched. The post code and street address did not match or were not provided or were provided but not checked.
NAME_ZIP_MATCH
The cardholder name and post code matched. The street address did not match or was not provided or was provided but not checked.
NOT_AVAILABLE
The issuer did not return address verification details.
NOT_REQUESTED
AVS was not requested.
NOT_VERIFIED
The issuer did not provide the AVS because this is an international transaction.
NO_MATCH
No match. The cardholder name, street address or post code did not match or were not provided or were provided but not checked.
SERVICE_NOT_SUPPORTED
AVS is not supported by the acquirer.
ZIP_MATCH
The post code matched. The street address and cardholder name did not match or were not provided or were provided but not checked.
Enumeration
OPTIONAL
The Card Security Code (CSC) validation result returned by the acquirer in the transaction response.
Value must be a member of the following list. The values are case sensitive.
MATCH
Valid or matched.
NOT_PRESENT
Merchant indicated CSC not present on card.
NOT_PROCESSED
Not processed.
NOT_SUPPORTED
Card issuer is not registered and/or certified
NO_MATCH
Invalid or not matched.
Enumeration
OPTIONAL
The transaction processing result returned by the acquirer in the transaction response.
Value must be a member of the following list. The values are case sensitive.
ACQUIRER_SYSTEM_ERROR
You received a response from the acquirer indicating that the transaction could not be approved because an error occurred within the acquirer's system while attempting to process the transaction.
APPROVED
You received a response from the acquirer indicating that the transaction was approved.
DECLINED
You received a response from the acquirer indicating that the transaction was declined.
DECLINED_CSC
You received a response from the acquirer indicating that the transaction was declined because of the Card Security Code (CSC) not being provided, invalid or not matching.
DECLINED_INVALID_PIN
You received a response from the acquirer indicating that the transaction was declined because of the provided PIN being invalid.
DECLINED_PIN_REQUIRED
You received a response from the acquirer indicating that the transaction was declined because a PIN was required but not provided.
EXPIRED_CARD
You received a response from the acquirer indicating that the transaction was declined because the card has expired.
INSUFFICIENT_FUNDS
You received a response from the acquirer indicating that the transaction was declined because of insufficient funds.
REFERRED
You received a response from the acquirer indicating that the transaction could not be approved and that you need to contact the issuer to retrieve an Authorization Code.
Response Copied to clipboard
Fields Copied to clipboard
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.
Data can consist of any characters
Alphanumeric + additional characters
ALWAYS PROVIDED
A unique identifier for this risk assessment to distinguish it from any other risk assessment you create.
Data may consist of the characters 0-9, a-z, A-Z, '-', '_', ' ', '&', '+', '!', '$', '%', '.'
Details about the risk service provider for this risk assessment.
String
CONDITIONAL
The name of the risk service provider.
Data can consist of any characters
String
CONDITIONAL
The unique identifier for the risk assessment request submitted to the risk service provider.
The gateway generates this value and submits it in the request to the risk service provider so that you can track the risk assessment in the risk service provider's system.
Data can consist of any characters
Enumeration
CONDITIONAL
The overall result of risk assessment returned by the risk service provider.
Value must be a member of the following list. The values are case sensitive.
ACCEPT
The Risk Service Provider assessed the information you submitted in the risk assessment request and considers the risk of completing the transaction as low risk.
NOT_CHECKED
The Risk Service Provider did not risk assess the information you provided in the risk assessment request because the request contained insufficient information to make a risk assessment.
REJECT
The Risk Service Provider assessed the information you submitted in the risk assessment request and considers the risk of completing the transaction as high risk.
REVIEW
The Risk Service Provider assessed the information you submitted in the risk assessment request and considers the risk of completing the transaction as neither low risk or high risk and recommends that you perform a manual review before completing the transaction.
Enumeration
ALWAYS PROVIDED
A system-generated high level overall result of the assessment.
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
Details of the decision need to make or have made, when the risk service provider has asked to you review this assessment.
Enumeration
CONDITIONAL
The status of the risk review decision.
Where a risk review is required you need to go to the risk service provider's system and make the decision. The decision will then be recorded against the risk assessment.
Value must be a member of the following list. The values are case sensitive.
ACCEPTED
You made a review decision and accepted the payment for processing.
PENDING
A decision to accept or reject the payment for processing is pending.
REJECTED
You made a review decision and rejected the payment for processing.
String
CONDITIONAL
The reason you selected when you reviewed this order in the external risk service provider's system and decided to accept or reject the risk assessment.
Data can consist of any characters
String
CONDITIONAL
The note that you entered when you reviewed this payment in the risk service provider's system and decided to accept or reject the order.
Data can consist of any characters
DateTime
CONDITIONAL
The date and time you made the decision to accept or reject the payment in the risk service provider's system.
An instant in time expressed in ISO8601 date + time format - "YYYY-MM-DDThh:mm:ss.SSSZ"
String
CONDITIONAL
The identifier of the person who made the decision to accept or reject the payment in the risk service provider's system.
Data can consist of any characters
Details of the rules applied by the risk service provider to assess the risk of this payment being fraudulent, as provided by the risk service provider.
String
CONDITIONAL
The unique identifier for the rule.
Data can consist of any characters
String
CONDITIONAL
The name of the rule.
Data can consist of any characters
Signed Integer
CONDITIONAL
The score resulting from the application of this rule.
JSON number data type. The represented number may have no fractional part.
Signed Integer
CONDITIONAL
The total of the risk scores for all risk rules applied by the risk service provider when assessing the risk of this payment being fraudulent.
The higher the score, the higher the fraud risk.
JSON number data type. The represented number may have no fractional part.
Errors Copied to clipboard
Information on possible error conditions that may occur while processing an operation using the API.
Enumeration
Broadly categorizes the cause of the error.
For example, errors may occur due to invalid requests or internal system failures.
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.
String
Textual description of the error based on the cause.
This field is returned only if the cause is INVALID_REQUEST or SERVER_BUSY.
Data can consist of any characters
String
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.
Data can consist of any characters
String
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.
Data can consist of any characters
Enumeration
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.
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.
Enumeration
A system-generated high level overall result of the operation.
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.