Cash Advance Authorizations

Using the cash advance feature, a cardholder can withdraw cash against their credit card account limit at their bank. The cardholder presents their credit card and identification to bank staff or uses the bank's card terminal to complete this transaction.

These card types support cash advance with credit card transactions in the US:

Discover (minimum transaction amount: 10.00 USD)
Mastercard
Visa

Endpoints

POST /pts/v2/payments

Example

{  "clientReferenceInformation": {    "code": "Cash Advance",    "transactionId": "uniqueValue1",    "partner": {      "thirdPartyCertificationNumber": "testTPCN"    }  },  "processingInformation": {    "authorizationOptions": {      "cashAdvanceIndicator": "true"    },    "commerceIndicator": "retail"  },  "paymentInformation": {    "card": {      "type": "001"    }  },  "orderInformation": {    "amountDetails": {      "totalAmount": "9900.00",      "currency": "USD"    }  },  "pointOfSaleInformation": {    "entryMode": "contact",    "terminalCapability": 4,    "terminalPinCapability": 6,    "emv": {      "tags": "5F3401019F3303E0F8C8950580800480009F370465B81A3A9F100706011203A0A0009F2608E9D097D1901E8AB99F36020002820218009C01009F1A0208409A032307259F02060000000007005F2A0208409F0306000000000000DF78083831393931303236DF791B322D30323436362D312D31432D5246492D303331332D342E332E62",      "cardSequenceNumber": "01"    },    "trackData": ";4761xxxxxxxxxxxx=251220111478549?",    "pinBlockEncodingFormat": 0,    "encryptedPin": "F509429A3C3FD201",    "encryptedKeySerialNumber": "FFFF1B1D140000200001"  },  "merchantInformation": {    "transactionLocalDateTime": "20230724085022"  }}

{  "_links": {    "authReversal": {      "method": "POST",      "href": "/pts/v2/payments/6938891699856080004953/reversals"    },    "self": {      "method": "GET",      "href": "/pts/v2/payments/6938891699856080004953"    },    "capture": {      "method": "POST",      "href": "/pts/v2/payments/6938891699856080004953/captures"    }  },  "clientReferenceInformation": {    "code": "test123",    "transactionId": "uniqueValue1"  },  "id": "6938891699856080004953",  "orderInformation": {    "amountDetails": {      "authorizedAmount": "9900.00",      "currency": "USD"    }  },  "paymentAccountInformation": {    "card": {      "type": "001"    }  },  "paymentInformation": {    "accountFeatures": {      "category": "A",      "group": "0"    },    "tokenizedCard": {      "type": "001"    },    "card": {      "type": "001"    }  },  "pointOfSaleInformation": {    "emv": {      "tags": "9F36020015910AB58D60185BEF0247303072179F180430303031860E04DA9F580903B1BAEDFD1438BA48"    }  },  "processorInformation": {    "systemTraceAuditNumber": "188535",    "approvalCode": "831000",    "networkTransactionId": "016153570198200",    "retrievalReferenceNumber": "324704188535",    "transactionId": "016153570198200",    "responseCode": "00",    "avs": {      "code": "2"    }  },  "reconciliationId": "6938891699856080004953",  "status": "AUTHORIZED",  "submitTimeUtc": "2023-09-05T04:46:10Z"}

Field	Description
`clientReferenceInformation.code`	—
`clientReferenceInformation.partner.thirdPartyCertificationNumber`	provides the value for this field.
`clientReferenceInformation.transactionId`	—
`merchantInformation.categoryCode`	Set the value to `6010`. This field is not required when merchant category code `6010` is configured in the merchant account. If sent, this field overrides the value in the merchant account.
`merchantInformation.transactionLocalDateTime`	—
`orderInformation.amountDetails.currency`	—
`orderInformation.amountDetails.totalAmount`	—
`paymentInformation.card.type`	—
`pointOfSaleInformation.emv.cardSequenceNumber`	—
`pointOfSaleInformation.emv.tags`	—
`pointOfSaleInformation.encryptedKeySerialNumber`	—
`pointOfSaleInformation.encryptedPin`	—
`pointOfSaleInformation.entryMode`	—
`pointOfSaleInformation.pinBlockEncodingFormat`	—
`pointOfSaleInformation.terminalCapability`	—
`pointOfSaleInformation.terminalPinCapability`	—
`pointOfSaleInformation.trackData`	—
`processingInformation.authorizationOptions.cashAdvanceIndicator`	Set the value to `true`.
`processingInformation.commerceIndicator`	Set the value to `retail`.

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Last published: September 29, 2026