Contactless EMV Online PIN Authorizations

For an EMV contactless payment, the customer taps the card on the terminal. The terminal and chip use near-field communication (NFC) to communicate with each other. For an online PIN transaction, the customer uses a PIN to verify their identity and the issuer verifies the PIN.

Online PIN transactions are supported by these card types:

American Express
Discover
Mastercard
Visa

Endpoints

POST /pts/v2/payments

Example

{  "clientReferenceInformation": {    "code": "test123",    "transactionId": "uniqueValue3",    "partner": {      "thirdPartyCertificationNumber": "testTPCN"    }  },  "processingInformation": {    "commerceIndicator": "retail",    "authorizationOptions": {      "partialAuthIndicator": "true"    }  },  "paymentInformation": {    "card": {      "type": "001"    }  },  "orderInformation": {    "amountDetails": {      "totalAmount": "9900.00",      "currency": "USD"    }  },  "pointOfSaleInformation": {    "entryMode": "contactless",    "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/6938904668436727104951/reversals"    },    "self": {      "method": "GET",      "href": "/pts/v2/payments/6938904668436727104951"    },    "capture": {      "method": "POST",      "href": "/pts/v2/payments/6938904668436727104951/captures"    }  },  "clientReferenceInformation": {    "code": "test123",    "transactionId": "uniqueValue3"  },  "id": "6938904668436727104951",  "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": "188851",    "approvalCode": "831000",    "networkTransactionId": "016153570198200",    "retrievalReferenceNumber": "324705188851",    "transactionId": "016153570198200",    "responseCode": "00",    "avs": {      "code": "2"    }  },  "reconciliationId": "6938904668436727104951",  "status": "AUTHORIZED",  "submitTimeUtc": "2023-09-05T05:07:47Z"}

Field	Description
`clientReferenceInformation.code`	—
`clientReferenceInformation.partner.thirdPartyCertificationNumber`	provides the value for this field.
`clientReferenceInformation.transactionId`	—
`merchantInformation.transactionLocalDateTime`	—
`orderInformation.amountDetails.currency`	—
`orderInformation.amountDetails.totalAmount`	—
`paymentInformation.card.type`	—
`pointOfSaleInformation.emv.cardSequenceNumber`	—
`pointOfSaleInformation.emv.tags`	—
`pointOfSaleInformation.encryptedKeySerialNumber`	—
`pointOfSaleInformation.encryptedPin`	—
`pointOfSaleInformation.entryMode`	Set the value to `contactless` for an EMV payment.
`pointOfSaleInformation.pinBlockEncodingFormat`	—
`pointOfSaleInformation.terminalCapability`	Set the value to `5`.
`pointOfSaleInformation.terminalPinCapability`	—
`pointOfSaleInformation.trackData`	—
`processingInformation.commerceIndicator`	Set the value to `retail`.

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Last published: September 29, 2026