Tap-Initiated Authorization for Debt Recovery

Use this information to process a tap-initiated authorization for debt recovery. When a cardholder attempts to use a blocked card at the transit reader, create a new debt recovery authorization request using the chip data from the new tap, along with the fare amount of the previous declined authorization.

Endpoints

POST /pts/v2/payments

Example

{  "clientReferenceInformation": {    "comments": "TransitDA Debt recovery tap auth",    "code": "10000597",    "transactionId": "20000597",    "partner": {      "thirdPartyCertificationNumber": "BPCDRC220403",      "solutionId": "548UHQ8Z"    }  },  "processingInformation": {    "industryDataType": "transit",    "captureOptions": {      "dateToCapture": "0425"    },    "commerceIndicator": "retail",    "authorizationOptions": {      "debtRecoveryIndicator": "true",      "deferredAuthIndicator": "true"    }  },  "orderInformation": {    "amountDetails": {      "totalAmount": "10.00",      "currency": "EUR"    }  },  "paymentInformation": {    "card": {      "type": "001"    }  },  "pointOfSaleInformation": {    "terminalId": "12345678",    "catLevel": "2",    "entryMode": "contactless",    "terminalCapability": "5",    "terminalPinCapability": "0",    "emv": {      "tags": "5F2A0209768407A00000000310109F360200029F03060000000000009C01005F3401019F10201F220100A00000000000000000000000000000000000000000000000000000009F33030008089A032204259F260845E978CEEC63154F9F2701409F0206000000000200820220209F34031F00009F1A0209769F6E04207000009F3704B257DA1495050000000000",      "cardSequenceNumber": "1"    },    "trackData": ";476173XXXXXXXXXX=241220119058254?"  }}

{  "_links": {    "self": {      "method": "GET",      "href": "/pts/v2/payments/6508883585936636904003"    }  },  "clientReferenceInformation": {    "code": "10000597",    "partner": {      "solutionId": "548UHQ8Z"    },    "transactionId": "20000597"  },  "errorInformation": {    "reason": "PROCESSOR_DECLINED",    "message": "Decline - General decline of the card. No other information provided by the issuing bank."  },  "id": "6508883585936636904003",  "pointOfSaleInformation": {    "emv": {      "tags": "9F36020015910AB58D60185BEF0247303072179F180430303031860E04DA9F580903B1BAEDFD1438BA48"    }  },  "processorInformation": {    "systemTraceAuditNumber": "163648",    "networktransactionId": "016153570198200",    "retrievalReferenceNumber": "211512163648",    "transactionId": "016153570198200",    "responseCode": "05",    "avs": {      "code": "2"    }  },  "status": "DECLINED"}

Field	Type	Description
`clientReferenceInformation.code`
`clientReferenceInformation.comments`		Set this field to `TransitDA Debt recovery tap auth`.
`clientReferenceInformation.partner.solutionId`		provides the value for this field.
`clientReferenceInformation.partner.thirdPartyCertificationNumber`		provides the value for this field.
`clientReferenceInformation.transactionId`
`orderInformation.amountDetails.currency`
`orderInformation.amountDetails.totalAmount`
`paymentInformation.card.type`
`pointOfSaleInformation.catLevel`		Set this field to `2`.
`pointOfSaleInformation.emv.cardSequenceNumber`		Set this field to `1`.
`pointOfSaleInformation.emv.tags`
`pointOfSaleInformation.entryMode`		Set this field to `contactless`.
`pointOfSaleInformation.terminalCapability`		Set this field to `5`.
`pointOfSaleInformation.terminalId`
`pointOfSaleInformation.terminalPinCapability`		Set this field to `0`.
`pointOfSaleInformation.trackData`
`processingInformation.authorizationOptions.debtRecoveryIndicator`		Set this field to `true`.
`processingInformation.authorizationOptions.deferredAuthIndicator`		Set this field to `true`.
`processingInformation.captureOptions.dateToCapture`
`processingInformation.commerceIndicator`		Set this field to `retail`.
`processingInformation.industryDataType`		Set this field to `transit`.

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Last published: September 29, 2026