TitlePage Credit Card Services - CyberSource

1 CyberSource Corporation HQ | Box 8999 | San Francisco, CA 94128-8999 | Phone: 800-530-9095 Title PageCredit card ServicesUsing the SCMP APID ecember 20182 CyberSource Contact InformationFor general information about our company, products, and Services , go to sales questions about any CyberSource Service, email or call 650-432-7350 or 888-330-2300 (toll free in the United States).For support information about any CyberSource Service, visit the Support Center at 2018 CyberSource Corporation. All rights reserved. CyberSource Corporation (" CyberSource ") furnishes this document and the software described in this document under the applicable agreement between the reader of this document ("You") and CyberSource ("Agreement"). You may use this document and/or software only in accordance with the terms of the Agreement. Except as expressly set forth in the Agreement, the information contained in this document is subject to change without notice and therefore should not be interpreted in any way as a guarantee or warranty by CyberSource .

2 CyberSource assumes no responsibility or liability for any errors that may appear in this document. The copyrighted software that accompanies this document is licensed to You for use only in strict accordance with the Agreement. You should read the Agreement carefully before using the software. Except as permitted by the Agreement, You may not reproduce any part of this document, store this document in a retrieval system, or transmit this document, in any form or by any means, electronic, mechanical, recording, or otherwise, without the prior written consent of Rights LegendsFor Government or defense agencies. Use, duplication, or disclosure by the Government or defense agencies is subject to restrictions as set forth the Rights in Technical Data and Computer Software clause at DFARS and in similar clauses in the FAR and NASA FAR civilian agencies. Use, reproduction, or disclosure is subject to restrictions set forth in subparagraphs (a) through (d) of the Commercial Computer Software Restricted Rights clause at and the limitations set forth in CyberSource Corporation's standard commercial agreement for this software.

3 Unpublished rights reserved under the copyright laws of the United , , and The Power of Payment are registered trademarks of CyberSource Corporation. CyberSource , CyberSource Payment Manager, CyberSource Risk Manager, CyberSource Decision Manager, and CyberSource Connect are trademarks and/or service marks of CyberSource Corporation. All other brands and product names are trademarks or registered trademarks of their respective card Services Using the SCMP API|December 20183 CONTENTSC ontentsRecent Revisions to This Document14 About This Guide17 Audience and Purpose17 Conventions17 Related Documentation18 Chapter 1 Introduction to the Credit card Services19 Cards and Payment Methods19 Cartes Bancaires Cards19 Debit Cards20 Discover Acquisitions and Alliances21mada Cards22 Mastercard 2-Series Bank Identification Numbers23 Types of Transactions24 card -Present Transactions24 card -Not-Present Transactions24 Transactions with Special Data24 International Transactions24 Compliance24 Merchant Remittance Funding25 Banks and Associations26 Acquiring (Merchant) Banks26 Issuing (Consumer)

4 Banks27 Payment card Companies27 Services28 Order Tracking28 Request IDs28 Transaction Reference Numbers29 Payment Processors30 Credit card Services Using the SCMP API|December 20184 ContentsChapter 2 Payment card Processing35 Authorizing a Payment35 Online Authorizations35 Offline Authorizations37 Automatic Captures37 Creating an Authorization Request38 Incremental Authorizations41 Limitations41 Incremental Authorization Scenario41 Supported Features42 Performing an Incremental Authorization42 Authorization Information for Specific Processors44 Reversing an Authorization47 Supported Processors and card Types48 Creating a Full Authorization Reversal Request52 Authorization Reversals for Single-Message Processing54 Authorization Reversal after Void (ARAV)54 Automatic ARAV56 Capturing an Authorization56 Captures56 Creating a Capture Request 57 Capture Information for Specific Processors59 Capture Features64 Authorization Refresh64 Automatic Partial Authorization Reversals65 Interchange Optimization66 Multiple Partial Captures67 Performing a Sale71 Dual-Message Processing71 Single-Message Processing72 Partial Authorizations72 Supported Features72 Unsupported Features73 Crediting a Payment74 Types of Credits74 Creating a Credit Request75 Credit Information for Specific Processors77 Credit Authorizations79 Voiding a Capture or Credit80 Capture after Void81 Creating a Void Request82 Credit card Services Using the SCMP API|December 20185 ContentsChapter 3 Authorization Features83 Address Verification System (AVS)83 Standard AVS83 Relaxed Requirements for Address Data and Expiration Date86 Processing AVS Codes87 Controlling AVS Results87 Enhanced AVS88 Automated Address Verification Plus (AAV+)

5 88 Electronic Verification (EV)89 Request Fields90 Reply Fields91 card Verification Numbers (CVNs)92 CVN Locations and Terminology95 CVN Codes95 Verbal Authorizations96 Chapter 4 Debit Cards and Prepaid Cards100 Partial Authorizations100 Supported Processors and card Types101 Opting In102 How a Partial Authorization Works102 Special Processing for American Express Cards on Chase Paymentech Solutions104 Special Processing for IDR and CLP on FDMS South104 Real-Time Reversals105 Balance Responses106 Features for Maestro (UK Domestic) Cards110 Unsupported Processors and card Types110 Chapter 5 Optional Features111$0 Authorizations111 Additional Amounts111 Shipping and Handling Fees112 Taxes112 Credit card Services Using the SCMP API|December 20186 ContentsAggregator Support112 Terminology113 American Express direct Aggregators113 CyberSource through VisaNet Aggregators116 Aggregator Transactions with American Express116 Aggregator Transactions with Mastercard117 Aggregator Transactions with Any Other card Type118 FDC Compass Aggregators119 FDC Nashville Global Aggregators120 Airline Data121 American Express SafeKey121 Android Pay121 Apple Pay121 Authorization Only121 AVS Only122 Balance Inquiries122 Bill Payments with Mastercard122 Bill Payments with Visa123 BNDES123 card -Present Data124 card Type Indicators (CTIs)

6 124 Cash Advances126 Chase Pay126 Customer Profiles126 Dynamic Currency Conversion with a Third Party Provider127 Requirement and Limitations127 Terminology128 Examples128 Authorizing a Payment128 Reversing an Authorization129 Capturing an Authorization130 Crediting the Payment130 Encoded Account Numbers131 Final Authorization Indicator131 Final Authorizations133 Preauthorizations133 Undefined Authorizations134 Unmarked Authorizations135 Forced Captures136 Full-Financial Transactions138 Google Pay138 Guaranteed Exchange Rates138 Credit card Services Using the SCMP API|December 20187 ContentsInstallment Payments138 Installment Payments on American Express Direct142 Installment Payments on Chase Paymentech Solutions and FDC Compass143 Installment Payments on CyberSource through VisaNet144 Overview144 Installment Payments on CyberSource through VisaNet in Brazil145 Installment Payments on CyberSource through VisaNet in Countries Other Than Brazil148 Installment Payments on FDC Nashville Global149 Installment Payments on Processors in Latin America150 Installment Payments on Other Processors152 Japanese Payment Options152 JCB J/Secure154 Level II Data154 Level III Data154 Mastercard Bill Payments154 Mastercard Expert Monitoring Solutions (EMS)

7 155 Mastercard SecureCode155 Mastercard Send155 Masterpass156 Credit card Services Using the SCMP API|December 20188 ContentsMerchant Descriptors157 AIBMS Merchant Descriptors157 American Express direct Merchant Descriptors158 Chase Paymentech Solutions Merchant Descriptors162 Merchant Descriptor Logic162 Characters163 API Fields164 Cielo Merchant Descriptors165 Comercio Latino Merchant Descriptors166 CyberSource through VisaNet Merchant Descriptors 166 Elavon Merchant Descriptors174 Elavon Americas Merchant Descriptors174 FDC Compass Merchant Descriptors177 Characters177 API Fields178 FDC Nashville Global Merchant Descriptors180 Merchant Descriptor Logic180 API Fields182 FDMS South Merchant Descriptors185 GPN Merchant Descriptors186 Ingenico ePayments Merchant Descriptors187 OmniPay direct Merchant Descriptors188 OmniPay-Ireland Merchant Descriptors190 SIX Merchant Descriptors192 Streamline Merchant Descriptors193 TSYS Acquiring Solutions Merchant Descriptors195 Worldpay VAP Merchant Descriptors196 Merchant-Initiated Reversals and Voids198 Merchant-Initiated Transactions202 Terminology203 Overview204 Descriptions205 Scenarios206 Delayed Charge206 Installment Payment207No-Show Transaction208 Reauthorization208 Recurring Payment209 Resubmission209 Unscheduled COF Transaction210 API Field Descriptions210 Micropayments211 Multi-Currency Service211 Network Tokenization211 Credit card Services Using the SCMP API|December 20189 ContentsPartial Shipments211 Payer Authentication212 Verified by Visa213 JCB J/Secure219 ProtectBuy220 Mastercard SecureCode221 American Express SafeKey227 Payment Network Tokenization229 Payment Tokenization229 Payouts229 POS Transactions229 Quasi-Cash230 Recipients231 Recurring Billing232 Recurring Payments232 AVS and Recurring Payments238 CVN and Recurring Payments239 Replacement Expiration Dates for Recurring Payments239 Recurring Profiles241 Report Groups241 Retail POS Data242

8 Samsung Pay242 Secure Data242 Service Fees243 Single-Message Processing243 Soft Descriptors243 Split Dial/Route243 Split Shipments243 Benefits of Using Split Shipments244 Requirements244 How Split Shipments Work244 Additional Authorizations244 Additional Captures245 Split-Shipment Scenarios245 One Authorization and One Sale245 One Authorization and Two Captures246 Multiple Captures in a Batch File247 Two Authorizations and One Capture248 Obtaining the Status of a System-Generated Authorization249 Additional Information249 Credit card Services Using the SCMP API|December 201810 ContentsStaged Digital Wallets250 Terminology250 Requirements250 SDW Functionality251 Subscriptions251 Tokenization251 Token Management Service (TMS)251 Type II Cards252 Verbal Authorizations252 Verified by Visa252 Visa Bill Payments253 Visa Checkout253 Visa Debt Repayments254 Visa Direct254 Zero Amount Authorizations255 Chapter 6 Testing the Credit card Services261 Requirements for Testing261 Testing the Services262 Using Amounts to Simulate Errors263 Testing American Express card Verification263 Appendix AAPI Fields264 Formatting Restrictions264 Data Type Definitions265 Request-Level Fields266 Offer-Level Fields370 Reply Fields372 Appendix BExamples409 Basic Credit card Examples409 Asia, Middle East.

9 And Africa Gateway Examples411 Cielo Examples412 CyberSource Latin American Processing Examples416 Incremental Authorization Examples418 Partial Authorization Examples418 Fully Approved Request418 Partially Approved Request420 Credit card Services Using the SCMP API|December 201811 ContentsSplit-Shipment Examples421 One Authorization and One Sale421 One Authorization and Two Captures423 Two Authorizations and One Capture425 Visa Checkout Examples427 Appendix CAdditional Amount Types428 Appendix DAmerican Express SafeKey Response Codes431 Appendix EAVS Codes432 AVS Codes for Cielo and CyberSource Latin American Processing432 AVS Codes for All Other Processors433 Appendix FBusiness Application Identifiers (BAIs)436 Appendix GCard Types437 Appendix HChargeback Reason Codes439 Chargeback Reason Codes for Visa439 Chargeback Reason Codes for Mastercard440 Credit card Services Using the SCMP API|December 201812 ContentsAppendix ICommerce Indicators441 Appendix JCVN Codes443 Appendix KCyberSource through VisaNet Acquirers444 Appendix LExpert Monitoring Solutions (EMS)

10 Reason Codes448 Appendix MElectronic Verification Response Codes450 Appendix NFormats for Discretionary Data451 Example for Visa Guatemala451 Example for VisaNet Uruguay452 Appendix OFrequently Asked Questions453 Appendix PIngenico ePayments Credit card Reversals456 Requests for Information456 Chargebacks457 Representments458 Request for Information Example460 Appendix QNetwork Transaction Identifiers462 CyberSource through VisaNet462 GPN462 Appendix RProduct Codes464 Appendix SProduct IDs465 Mastercard Product IDs465 Credit card Services Using the SCMP API|December 201813 ContentsAppendix TReply Flags469 Appendix UVerified by Visa Response Codes472 Appendix VValues for the Wallet Type Field473 Index474 Credit card Services Using the SCMP API|December 201814 REVISIONSR ecent Revisions to This DocumentReleaseChangesDecember 2018 All processors that support Payment Tokenization: replaced the Payment Tokenization section with "Token Management Service (TMS)," page South: updated information about support for "Zero Amount Authorizations," page 2018 Cielo: added support for Cielo , which supports these features: Hipercard.