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 Simple Order APIF ebruary 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.

2 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 .

3 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.

4 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.

5 Unpublished rights reserved under the copyright laws of the United , , and The Power of Payment are registered trademarks of CyberSource Corporation.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 Simple Order API|February 20183 CONTENTSC ontentsRecent Revisions to This Document13 About This Guide16 Audience16 Purpose16 Conventions16 Related Documentation17 Chapter 1 Introduction to the Credit card Services18 Cards and Payment Methods18 Discover Acquisitions and Alliances19 Mastercard New 2-Series Bank Identification Numbers20 Types of Transactions20 card -Present

6 Transactions20 card -Not-Present Transactions21 Transactions with Special Data21 International Transactions21 Compliance21 Merchant Remittance Funding22 Banks and Associations23 Acquiring (Merchant) Banks23 Issuing (Consumer) Banks24 Payment card Companies24 Services25 Order Tracking25 Request IDs25 Reconciliation IDs26 Payment Processors27 Credit card Services Using the Simple Order API|February 20184 ContentsChapter 2 Credit card Processing32 Authorizing a Payment32 Online Authorizations32 Offline Authorizations34 Automatic Captures34 Creating an Authorization Request35 Authorization Information for Specific Processors38 Reversing an Authorization42 Supported Processors and card Types43 Creating a Full

7 Authorization Reversal Request47 Authorization Reversal after Void (ARAV)49 Automatic ARAV50 Capturing an Authorization50 Captures51 Creating a Capture Request52 Capture Information for Specific Processors54 Capture Features58 Authorization Refresh58 Automatic Partial Authorization Reversals59 Interchange Optimization60 Multiple Partial Captures61 Performing a Sale65 Crediting a Payment66 Types of Credits66 Creating a Credit Request67 Credit Information for Specific Processors69 Voiding a Capture or Credit72 Capture after Void73 Creating a Void Request73 Chapter 3

8 Authorization Features75 Address Verification System (AVS)75 Standard AVS75 Relaxed Requirements for Address Data and Expiration Date78 Processing AVS Codes78 Controlling AVS Results79 Enhanced AVS79 Automated Address Verification Plus (AAV+)80 Electronic Verification (EV)81 Request Fields82 Reply Fields83 Credit card Services Using the Simple Order API|February 20185 ContentsCard Verification Numbers (CVNs)84 CVN Locations and Terminology86 CVN Codes87 Verbal Authorizations88 Chapter 4 Debit Cards and Prepaid Cards92 Partial Authorizations92 Supported Processors and card Types93 Opting In94 How a Partial Authorization Works94 Special Processing for American Express Cards on Chase Paymentech Solutions96 Special Processing for IDR and CLP on FDMS South96 Real-Time Reversals97 Balance Responses98 Features for Maestro (UK Domestic)

9 Cards101 Unsupported Processors and card Types102 Chapter 5 Optional Features103$0 Authorizations103 Additional Amounts103 Shipping and Handling Fees104 Taxes104 Aggregator Support104 Terminology105 American Express direct Aggregators105 CyberSource through VisaNet Aggregators108 Aggregator Transactions with American Express108 Aggregator Transactions with Mastercard109 Aggregator Transactions with Any Other card Type110 FDC Compass Aggregators111 FDC Nashville Global Aggregators112 Airline Data113 American Express SafeKey113 Android Pay113 Apple Pay113 Authorization Only114 AVS Only114 Balance Inquiries114 Bill Payments with Mastercard115 Bill Payments with Visa115 Credit card Services Using the Simple Order API|February 20186 ContentsCard-Present Data115 card Type Indicators (CTIs)

10 115 Cash Advances117 Customer Profiles117 Dynamic Currency Conversion for First Data118 Requirements and Limitations118 Terminology119 Using DCC120 Additional Information123 Dynamic Currency Conversion with a Third Party Provider123 Requirement and Limitations124 Terminology124 Example124 Authorizing a Payment125 Reversing an Authorization126 Capturing an Authorization126 Crediting the Payment127 Encoded Account Numbers127 Final Authorization Indicator128 Final Authorizations129 Preauthorizations129 Undefined Authorizations130 Unmarked Authorizations131 Forced Captures132 Guaranteed Exchange Rates134 Installment Payments134 Installment Payments on American Express Direct137 Installment Payments on Chase Paymentech Solutions and FDC Compass139 Installment Payments on CyberSource through VisaNet139 Overview139 Installment Payments on CyberSource through VisaNet in Brazil140 Issuer-Funded Installment Payments on CyberSource through VisaNet in Coun-tries Other Than