Contact EMV Purchase

This use case processes a PIN debit purchase with contact EMV when the customer inserts the card into the terminal.

Endpoints

POST /pts/v2/payments

Example

{  "clientReferenceInformation": {    "code": "ABC123",    "partner": {      "thirdPartyCertificationNumber": "PTP1234"    }  },  "processingInformation": {    "commerceIndicator": "retail",    "networkRoutingOrder": "VMHF"  },  "paymentInformation": {    "paymentType": {      "name": "CARD",      "subTypeName": "DEBIT"    },    "card": {      "useAs": "",      "sourceAccountType": "UA"    }  },  "orderInformation": {    "amountDetails": {      "totalAmount": "202.00",      "currency": "USD"    }  },  "pointOfSaleInformation": {    "terminalId": "12345678",    "entryMode": "contact",    "terminalCapability": 4,    "emv": {      "tags": "9F3303204000950500000000009F3704518823719F100706011103A000009F26081E1756ED0E2134E29F36020015820200009C01009F1A0208409A030006219F02060000000020005F2A0208409F0306000000000000",      "cardSequenceNumber": "01"    },    "trackData": ";4xxxxxxxxxxx1111=33121019761186800000?",    "pinBlockEncodingFormat": "0",    "encryptedPin": "5D5FA5E5B448F33B",    "encryptedKeySerialNumber": "FFFF1B1D140000200001"  }}

{  "_links": {    "void": {      "method": "POST",      "href": "/pts/v2/payments/7012752230096541604951/voids"    },    "self": {      "method": "GET",      "href": "/pts/v2/payments/7012752230096541604951"    }  },  "clientReferenceInformation": {    "code": "ABC123"  },  "id": "7012752230096541604951",  "orderInformation": {    "amountDetails": {      "authorizedAmount": "202.00",      "currency": "usd"    }  },  "processingInformation": {    "reconciliationId": "7012752230096541604951"  },  "processorInformation": {    "systemTraceAuditNumber": "141924",    "routing": {      "network": "0000"    },    "approvalCode": "831000",    "retrievalReferenceNumber": "123456141924",    "transactionId": "000000000000000",    "responseCode": "00"  },  "reconciliationId": "7012752230096541604951",  "status": "AUTHORIZED",  "submitTimeUtc": "2023-11-29T16:27:03Z"}

Field	Description
`clientReferenceInformation.code`	—
`clientReferenceInformation.partner.thirdPartyCertificationNumber`	provides the value for this field.
`clientReferenceInformation.transactionId`	—
`orderInformation.amountDetails.currency`	—
`orderInformation.amountDetails.totalAmount`	—
`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.emv.cardSequenceNumber`	Required only when the card has a sequence number configured on the EMV chip.
`pointOfSaleInformation.emv.tags`	—
`pointOfSaleInformation.encryptedKeySerialNumber`	—
`pointOfSaleInformation.encryptedPin`	—
`pointOfSaleInformation.entryMode`	Set the value to `contact`.
`pointOfSaleInformation.pinBlockEncodingFormat`	Set the value to `1`.
`pointOfSaleInformation.terminalCapability`	—
`pointOfSaleInformation.trackData`	—
`processingInformation.commerceIndicator`	Set the value to `retail`.

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Last published: September 29, 2026