mPOS Sales: External Reader, Software PIN

This section describes how to process a mobile point-of-sale (mPOS) sale transaction using an external reader with software PIN entry. This type of transaction is also known as a Software-based PIN Entry on COTS (SPoC) transaction.

Endpoints

POST /pts/v2/payments

Example

{  "clientReferenceInformation": {    "code": "123456",    "transactionId": "12233445677",    "partner": {      "thirdPartyCertificationNumber": "123456789012"    }  },  "processingInformation": {    "commerceIndicator": "retail",    "capture": "true"  },  "pointOfSaleInformation": {    "trackData": "%B4xxxxxxxxxxxx1111^TEST/CYBS         ^2512201019761100      00868000000?;",    "catLevel": "6",    "isDedicatedHardwareTerminal": "0",    "terminalPinCapability": "4",    "pinEntrySolution": "PCI-SPoC",    "emv": {      "cardSequenceNumber": "01",      "tags": "9F3303204000950500000000009F3704518823719F100706011103A000009F26081E1756ED0E2134E29F36020015820200009C01009F1A0208409A030006219F020600000000200005F2A0208409F0306000000000000"    },    "entryMode": "contact",    "terminalCapability": "4"  },  "paymentInformation": {    "card": {      "type": "002"    }  },  "orderInformation": {    "amountDetails": {      "totalAmount": "9900.00",      "currency": "USD"    }  }}

{  "_links": {    "authReversal": {      "method": "POST",      "href": "/pts/v2/payments/6873925966666764004953/reversals"    },    "self": {      "method": "GET",      "href": "/pts/v2/payments/6873925966666764004953"    },    "capture": {      "method": "POST",      "href": "/pts/v2/payments/6873925966666764004953/captures"    }  },  "clientReferenceInformation": {    "code": "123456"  },  "id": "6873925966666764004953",  "orderInformation": {    "amountDetails": {      "authorizedAmount": "9900.00",      "currency": "USD"    }  },  "paymentAccountInformation": {    "card": {      "type": "002"    }  },  "paymentInformation": {    "tokenizedCard": {      "type": "002"    },    "card": {      "type": "002"    }  },  "pointOfSaleInformation": {    "terminalId": "111111",    "emv": {      "tags": "9F02060000000009009C01009A030608025F2A0209789F1A0208409F260856BF299472BDB0C782025C009F360245679F370412135414950540800080009F1E04001122339F102006011A03900000112233445566778899AABBCCDD0390000011223344556677889F5301039F410301223 39F03060001020304058407A00000000410109F2701809F34035E03009F090243219F3501059F3303E0B8C89110001122334455667788010203040506079F5B1000112233445566778801020304050607"    }  },  "processorInformation": {    "approvalCode": "888888",    "networkTransactionId": "123456789619999",    "transactionId": "123456789619999",    "responseCode": "100",    "avs": {      "code": "1"    }  },  "reconciliationId": "718515862J420LJ2",  "status": "AUTHORIZED",  "submitTimeUtc": "2023-06-22T00:09:56Z"}

{  "clientReferenceInformation": {    "code": "123456",    "transactionId": "12233445677",    "partner": {      "thirdPartyCertificationNumber": "123456789012"    }  },  "processingInformation": {    "commerceIndicator": "retail",    "capture": "true"  },  "pointOfSaleInformation": {    "trackData": "%B4xxxxxxxxxxxx1111^TEST/CYBS         ^2512201019761100      00868000000?;",    "catLevel": "6",    "terminalPinCapability": "4",    "pinEntrySolution": "PCI-SPoC",    "emv": {      "cardSequenceNumber": "01",      "tags": "9F3303204000950500000000009F3704518823719F100706011103A000009F26081E1756ED0E2134E29F36020015820200009C01009F1A0208409A030006219F020600000000200005F2A0208409F0306000000000000"    },    "entryMode": "contact",    "terminalCapability": "4"  },  "paymentInformation": {    "card": {      "type": "001"    }  },  "orderInformation": {    "amountDetails": {      "totalAmount": "9900.00",      "currency": "USD"    }  }}

{  "_links": {    "authReversal": {      "method": "POST",      "href": "/pts/v2/payments/6873925966666764004953/reversals"    },    "self": {      "method": "GET",      "href": "/pts/v2/payments/6873925966666764004953"    },    "capture": {      "method": "POST",      "href": "/pts/v2/payments/6873925966666764004953/captures"    }  },  "clientReferenceInformation": {    "code": "123456"  },  "id": "6873925966666764004953",  "orderInformation": {    "amountDetails": {      "authorizedAmount": "9900.00",      "currency": "USD"    }  },  "paymentAccountInformation": {    "card": {      "type": "001"    }  },  "paymentInformation": {    "tokenizedCard": {      "type": "001"    },    "card": {      "type": "001"    }  },  "pointOfSaleInformation": {    "terminalId": "111111",    "emv": {      "tags": "9F02060000000009009C01009A030608025F2A0209789F1A0208409F260856BF299472BDB0C782025C009F360245679F370412135414950540800080009F1E04001122339F102006011A03900000112233445566778899AABBCCDD0390000011223344556677889F5301039F410301223 39F03060001020304058407A00000000410109F2701809F34035E03009F090243219F3501059F3303E0B8C89110001122334455667788010203040506079F5B1000112233445566778801020304050607"    }  },  "processorInformation": {    "approvalCode": "888888",    "networkTransactionId": "123456789619999",    "transactionId": "123456789619999",    "responseCode": "100",    "avs": {      "code": "1"    }  },  "reconciliationId": "718515862J420LJ2",  "status": "AUTHORIZED",  "submitTimeUtc": "2023-06-22T00:09:56Z"}

Field	Description
`clientReferenceInformation.code`	—
`clientReferenceInformation.partner.thirdPartyCertificationNumber`	provides the value for this field.
`clientReferenceInformation.transactionId`	—
`orderInformation.amountDetails.currency`	—
`orderInformation.amountDetails.totalAmount`	—
`paymentInformation.card.type`	—
`pointOfSaleInformation.catLevel`	—
`pointOfSaleInformation.emv.cardSequenceNumber`	—
`pointOfSaleInformation.emv.tags`	—
`pointOfSaleInformation.entryMode`	—
`pointOfSaleInformation.pinEntrySolution`	Set the value to `PCI-SPoC`.
`pointOfSaleInformation.terminalCapability`	—
`pointOfSaleInformation.terminalPinCapability`	—
`pointOfSaleInformation.trackData`	—
`processingInformation.capture`	—
`processingInformation.commerceIndicator`	Set the value to `retail`.

Mastercard-Specific Field

Field	Description
`pointOfSaleInformation.isDedicatedHardwareTerminal`	Set the value to `0`.

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Last published: September 29, 2026