Swipe Purchase with Merchant Descriptors

This use case processes a PIN debit purchase with swiped track data and merchant descriptors.

Endpoints

POST /pts/v2/payments

Example

{  "clientReferenceInformation": {    "code": "ABC1234",    "partner": {      "thirdPartyCertificationNumber": "PTP1234"    }  },  "processingInformation": {    "commerceIndicator": "retail",    "networkRoutingOrder": "GUFV"  },  "paymentInformation": {    "paymentType": {      "name": "CARD",      "subTypeName": "DEBIT"    },    "card": {      "useAs": "",      "sourceAccountType": "UA"    }  },  "orderInformation": {    "amountDetails": {      "totalAmount": "202.00",      "currency": "USD"    }  },  "merchantInformation": {    "merchantDescriptor": {      "name": "John Smith",      "alternateName": "ABC Limited",      "locality": "Austin",      "country": "United States",      "administrativeArea": "AL"    }  },  "pointOfSaleInformation": {    "entryMode": "swiped",    "terminalCapability": 4,    "trackData": "%B4xxxxxxxxxxx1111^JONES/JONES ^3312101976110000868000000?;4xxxxxxxxxxx1111=33121019761186800000?",    "pinBlockEncodingFormat": 1,    "encryptedPin": "52F20658C04DB351",    "encryptedKeySerialNumber": "FFFF1B1D140000000005"  }}

{  "_links": {    "void": {      "method": "POST",      "href": "/pts/v2/payments/6883842752296552503995/voids"    },    "self": {      "method": "GET",      "href": "/pts/v2/payments/6883842752296552503995"    }  },  "clientReferenceInformation": {    "code": "ABC123"  },  "id": "6883842752296552503995",  "orderInformation": {    "amountDetails": {      "authorizedAmount": "24.00",      "currency": "usd"    }  },  "processingInformation": {    "reconciliationId": "6883842752296552503995"  },  "processorInformation": {    "systemTraceAuditNumber": "109328",    "routing": {      "network": "0000"    },    "approvalCode": "831000",    "retrievalReferenceNumber": "123456109328",    "transactionId": "000000000000000",    "responseCode": "00"  },  "reconciliationId": "6883842752296552503995",  "status": "AUTHORIZED",  "submitTimeUtc": "2023-07-03T11:37:55Z"}

Field	Description
`clientReferenceInformation.code`	—
`clientReferenceInformation.partner.thirdPartyCertificationNumber`	provides the value for this field.
`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.encryptedKeySerialNumber`	—
`pointOfSaleInformation.encryptedPin`	—
`pointOfSaleInformation.entryMode`	Set the value to `swiped`.
`pointOfSaleInformation.pinBlockEncodingFormat`	Set the value to `1`.
`pointOfSaleInformation.terminalCapability`	—
`pointOfSaleInformation.trackData`	—
`processingInformation.commerceIndicator`	Set the value to `retail`.

Optional Fields

Field	Description
`merchantInformation.merchantDescriptor.administrativeArea`	—
`merchantInformation.merchantDescriptor.alternateName`	—
`merchantInformation.merchantDescriptor.country`	—
`merchantInformation.merchantDescriptor.locality`	—
`merchantInformation.merchantDescriptor.name`	—

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Last published: September 29, 2026