Authorization with Contact EMV and Online PIN

This section provides the information needed to process an authorization with contact EMV and an online PIN.

For an EMV chip contact authorization, the customer inserts the card directly into a point-of-sale (POS) terminal. For an online PIN authorization, the customer enters 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"    },    "processingInformation": {      "capture": false,      "commerceIndicator": "retail"    },    "paymentInformation": {      "card": {        "number": "4xxxxxxxxxxx1111",        "expirationMonth": "12",        "expirationYear": "2026",        "type": "001"      }    },    "orderInformation": {      "amountDetails": {        "totalAmount": "9990.00",        "currency": "BRL"      },      "billTo": {        "firstName": "Júlia",        "lastName": "Fernández",        "address1": "R. Augusta Æ",        "address2": "ßloco 01",        "locality": "Sáo Paulo",        "administrativeArea": "SP",        "postalCode": "01310-000",        "country": "BR",        "email": "[email protected]",        "phoneNumber": "999-999-9999",        "buildingNumber": "1024 Metrño4",        "district": "Bela Vista Æ"      }    },    "pointOfSaleInformation": {      "terminalCapability": 4,      "entryMode": "contact",      "cardPresent": true,      "pinEntryCapability": 6,      "trackData": "%B4xxxxxxxxxxx1111^JONES/JONES^3112101976110000868000000;4xxxxxxxxxxx1111=31121019761186800000?",      "emv": {        "tags": "9F1E0830303131323233339F02060000000009009C01009A030608025F2A0209789F1A0204849F260856BF299472BDB0C82025C009F360245679F370412135414950540800080009F102006011A03900000112233445566778899AABBCCDD0390000011223344556677889F5301039F41030122339F03060001020304058407A00000000410109F2701809F34035E03009F090243219F3501059F3303E0B8C89110001122334455667788010203040506079F5B1000112233445566778801020304050607",        "cardSequenceNumber": "01",        "cardholderVerificationMethodUsed": "2"      },      "pin": {        "keySerialNumber": "FFFF1B1D140000200001",        "blockEncodingFormat": "0",        "encryptedPin": "F509429A3C3FD201"      },      "transactionDateTime": "20230724085022"    },    "merchantDefinedInformation": [      {        "key": "merchant_transaction_identifier",        "value": "uniqueValue1006"      },      {        "key": "third_party_certification_number",        "value": "testTPCN"      }    ],    "senderInformation": {      "referenceNumber": "ms_user"    }}

{  "_links" : {    "authReversal" : {      "method" : "POST",      "href" : "/pts/v2/payments/7627846224096435203093/reversals"    },    "self" : {      "method" : "GET",      "href" : "/pts/v2/payments/7627846224096435203093"    },    "capture" : {      "method" : "POST",      "href" : "/pts/v2/payments/7627846224096435203093/captures"    }  },  "clientReferenceInformation" : {    "code" : "test123"  },  "id" : "7627846224096435203093",  "orderInformation" : {    "amountDetails" : {      "authorizedAmount" : "9990.00",      "currency" : "BRL"    }  },  "paymentAccountInformation" : {    "card" : {      "type" : "001"    }  },  "paymentInformation" : {    "tokenizedCard" : {      "type" : "001"    },    "card" : {      "type" : "001"    }  },  "processorInformation" : {    "approvalCode" : "010012",    "networkTransactionId" : "999010012",    "transactionId" : "72b2900a9f316142b627a21031b48b0c259f08ffba0004172a04450c5d212345",    "responseCode" : "00003",    "avs" : {      "code" : "2"    }  },  "reconciliationId" : "7627846224096435203093",  "status" : "AUTHORIZED",  "submitTimeUtc" : "2025-11-10T14:23:42Z"}

Field	Type	Description
`clientReferenceInformation.code`
`merchantDefinedInformation.key`
`merchantDefinedInformation.value`
`orderInformation.amountDetails.currency`
`orderInformation.amountDetails.totalAmount`
`paymentInformation.card.expirationMonth`
`paymentInformation.card.expirationYear`
`paymentInformation.card.number`
`paymentInformation.card.type`
`pointOfSaleInformation.cardPresent`		Set to `true`.
`pointOfSaleInformation.emv.cardSequenceNumber`
`pointOfSaleInformation.emv.cardholderVerificationMethodUsed`
`pointOfSaleInformation.emv.tags`
`pointOfSaleInformation.entryMode`		Set to `contact`.
`pointOfSaleInformation.pin.blockEncodingFormat`
`pointOfSaleInformation.pin.encryptedPin`
`pointOfSaleInformation.pin.keySerialNumber`
`pointOfSaleInformation.pinEntryCapability`
`pointOfSaleInformation.terminalCapability`
`pointOfSaleInformation.trackData`
`pointOfSaleInformation.transactionDateTime`
`processingInformation.capture`		Set to `false`.
`processingInformation.commerceIndicator`
`senderInformation.referenceNumber`

Optional Fields

Field	Type	Description
`orderInformation.billTo.address1`
`orderInformation.billTo.administrativeArea`
`orderInformation.billTo.buildingNumber`
`orderInformation.billTo.country`
`orderInformation.billTo.district`
`orderInformation.billTo.email`
`orderInformation.billTo.firstName`
`orderInformation.billTo.lastName`
`orderInformation.billTo.locality`
`orderInformation.billTo.phoneNumber`
`orderInformation.billTo.postalCode`

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Last published: September 29, 2026