Balance Inquiry with Swiped Track Data

This use case processes a PIN debit balance inquiry with swiped track data. Set processingInformation.authorizationOptions.balanceInquiry to true. The response returns the account balance under paymentInformation.accountFeatures.

Endpoints

POST /pts/v2/payments

Example

{  "clientReferenceInformation": {    "code": "ABC123",    "partner": {      "thirdPartyCertificationNumber": "PTP1234"    }  },  "processingInformation": {    "commerceIndicator": "retail",    "authorizationOptions": {      "balanceInquiry": "true"    }  },  "merchantInformation": {    "transactionLocalDateTime": "20200323103021"  },  "orderInformation": {    "amountDetails": {      "totalAmount": "0.00",      "currency": "USD"    }  },  "paymentInformation": {    "paymentType": {      "name": "CARD",      "subTypeName": "DEBIT"    },    "card": {      "useAs": "",      "sourceAccountType": "UA"    }  },  "pointOfSaleInformation": {    "entryMode": "swiped",    "terminalCapability": 4,    "pinBlockEncodingFormat": 1,    "encryptedPin": "52F20658C04DB351",    "encryptedKeySerialNumber": "FFFF1B1D140000000005",    "trackData": "%B4xxxxxxxxxxx1111^JONES/JONES ^3112101976110000868000000?;4xxxxxxxxxxx1111=33121019761186800000?"  }}

{  "_links": {    "void": {      "method": "POST",      "href": "/pts/v2/payments/6879489725216492803092/voids"    },    "self": {      "method": "GET",      "href": "/pts/v2/payments/6879489725216492803092"    }  },  "clientReferenceInformation": {    "code": "987654321"  },  "id": "6879489725216492803092",  "orderInformation": {    "amountDetails": {      "authorizedAmount": "0.00",      "currency": "usd"    }  },  "paymentInformation": {    "accountFeatures": {      "balances": [        {          "amountType": "02",          "amount": "+20.00",          "accountType": "00",          "currency": "usd"        }      ]    }  },  "processingInformation": {    "reconciliationId": "6879489725216492803092"  },  "processorInformation": {    "systemTraceAuditNumber": "837760",    "routing": {      "network": "0000"    },    "approvalCode": "831000",    "retrievalReferenceNumber": "123456837760",    "transactionId": "016153570198200",    "responseCode": "00"  },  "reconciliationId": "6879489725216492803092",  "status": "AUTHORIZED",  "submitTimeUtc": "2023-06-28T10:42:52Z"}

Field	Description
`clientReferenceInformation.code`	—
`clientReferenceInformation.partner.thirdPartyCertificationNumber`	—
`clientReferenceInformation.transactionId`	—
`merchantInformation.merchantDescriptor.postalCode`	—
`merchantInformation.transactionLocalDateTime`	—
`orderInformation.amountDetails.currency`	—
`orderInformation.amountDetails.totalAmount`	Set the value to `0.00`.
`paymentInformation.card.sourceAccountType`	Set the value to `UA`.
`paymentInformation.card.useAs`	Leave this field blank.
`paymentInformation.paymentType.name`	Set the value to `CARD`.
`paymentInformation.paymentType.subTypeName`	Set the value to `DEBIT`.
`pointOfSaleInformation.encryptedKeySerialNumber`	—
`pointOfSaleInformation.encryptedPin`	—
`pointOfSaleInformation.entryMode`	Set the value to `swiped`.
`pointOfSaleInformation.pinBlockEncodingFormat`	Set the value to `1`.
`pointOfSaleInformation.terminalCapability`	—
`pointOfSaleInformation.trackData`	—
`processingInformation.authorizationOptions.balanceInquiry`	Set the value to `true`.
`processingInformation.commerceIndicator`	Set the value to `retail`.

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Last published: September 29, 2026