Mastercard Authorization

Use this information to process a Mastercard authorization with EMV data for a nominal amount.

Response Field Handling

When you receive the AUTH_DECLINE_CAPTURE_POSSIBLE value in the errorInformation.reason field of an authorization response, it indicates that a capture attempt will not be rejected automatically. Before processing the capture, verify that it is permitted in this scenario by reviewing the card scheme's First Ride Risk and shared-liability rules.

For an example of the field data, see the response in the Visa Deferred Sale REST example. For more information about the field, see the errorInformation.reason field description.

Endpoints

POST /pts/v2/payments

Example

{    "clientReferenceInformation": {        "comments": "TransitDA BAU nominal value auth",        "code": "10000568",        "transactionId": "20000568",        "partner": {            "thirdPartyCertificationNumber": "BPCDRC220403",            "solutionId": "548UHQ8Z"        }    },    "processingInformation": {        "industryDataType": "transit",        "commerceIndicator": "retail",        "capture": "false",        "captureOptions": {            "dateToCapture": "0425"        },        "authorizationOptions": {            "authIndicator": "0",            "deferredAuthIndicator": "true",            "aggregatedAuthIndicator": "true",            "transportationMode": "00"        }    },    "orderInformation": {        "amountDetails": {            "totalAmount": "10.00",            "currency": "EUR"        }    },    "paymentInformation": {        "card": {            "type": "002"        },        "initiationChannel": "00"    },    "pointOfSaleInformation": {        "terminalId": "12345678",        "catLevel": "2",        "entryMode": "contactless",        "terminalCapability": "5",        "terminalPinCapability": "0",        "emv": {            "tags": "5F2A0209768407A00000000410109F360200039F03060000000000009C01005F3401019F10120110A0000F040000000000000000000000FF9F33030008C89A032204259F2608093A260A58500E949F2701809F020600000000010082021B809F34033F00029F1A0209769F37046F4D8104950500200000019F6E06005601023030"        },        "trackData": ";5413XXXXXXXXXXXX=49122010123456789?",        "serviceCode": "201"    }}

{    "_links": {        "self": {            "method": "GET",            "href": "/pts/v2/payments/6508877845426512004004"        }    },    "clientReferenceInformation": {        "code": "10000574",        "partner": {            "solutionId": "548UHQ8Z"        },        "transactionId": "20000574"    },    "errorInformation": {        "reason": "AUTH_DECLINE_CAPTURE_POSSIBLE",        "message": "Authorization Declined. Follow-on Capture can be processed."    },    "id": "6508877845426512004004",    "pointOfSaleInformation": {        "emv": {            "tags": "9F36020015910AB58D60185BEF0247303072179F180430303031860E04DA9F580903B1BAEDFD1438BA48"        }    },    "processorInformation": {        "systemTraceAuditNumber": "164207",        "networktransactionId": "016153570198200",        "retrievalReferenceNumber": "211511164207",        "transactionId": "016153570198200",        "responseCode": "05",        "avs": {            "code": "2"        }    },    "status": "AUTHORIZED"}

Field	Type	Description
`clientReferenceInformation.code`
`clientReferenceInformation.comments`		Set this field to `TransitDA BAU nominal value 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`		Set this field to `002`.
`paymentInformation.initiationChannel`
`pointOfSaleInformation.catLevel`		Set this field to `2`.
`pointOfSaleInformation.emv.tags`
`pointOfSaleInformation.entryMode`		Set this field to `contactless`.
`pointOfSaleInformation.serviceCode`
`pointOfSaleInformation.terminalCapability`		Set this field to `5`.
`pointOfSaleInformation.terminalId`
`pointOfSaleInformation.terminalPinCapability`		Set this field to `0`.
`pointOfSaleInformation.trackData`
`processingInformation.authorizationOptions.aggregatedAuthIndicator`		Set this field to `true`.
`processingInformation.authorizationOptions.authIndicator`		Set this field to `0`.
`processingInformation.authorizationOptions.deferredAuthIndicator`		Set this field to `true`.
`processingInformation.authorizationOptions.transportationMode`
`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