Authorization with Contactless EMV and Online PIN

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

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.

These card types support online PIN transactions:

American Express
Discover
Mastercard
Visa

Endpoints

POST /pts/v2/payments

Example

{    "clientReferenceInformation": {      "code": "test123"    },    "processingInformation": {      "capture": false,      "commerceIndicator": "retail",      "authorizationOptions": {        "partialAuthIndicator": true      }    },    "paymentInformation": {      "card": {        "number": "4xxxxxxxxxxx1111",        "expirationMonth": "12",        "expirationYear": "2026",        "type": "001"      }    },    "orderInformation": {      "amountDetails": {        "totalAmount": "9900.00",        "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": {      "terminalId": "12345678",      "terminalCapability": "5",      "entryMode": "contactless",      "cardPresent": true,      "pinEntryCapability": "0",      "trackData": "%B4xxxxxxxxxxx1111^JONES/JONES ^3112101976110000868000000?;4xxxxxxxxxxx1111=31121019761186800000?",      "emv": {        "tags": "9F1E0830303131323233339F02060000000009009C01009A030608025F2A0209789F1A0204849F260856BF299472BDB0C782025C009F360245679F370412135414950540800080009F102006011A03900000112233445566778899AABBCCDD0390000011223344556677889F5301039F41030122339F03060001020304058407A00000000410109F2701809F34035E03009F090243219F3501059F3303E0B8C89110001122334455667788010203040506079F5B1000112233445566778801020304050607",        "cardSequenceNumber": "01"      },      "pin": {        "keySerialNumber": "FFFF1B1D140000200001",        "blockEncodingFormat": "0",        "encryptedPin": "F509429A3C3FD201"      },      "transactionDateTime": "20230724085022"    },    "merchantDefinedInformation": [      {        "key": "merchant_transaction_identifier",        "value": "uniqueValue1010"      },      {        "key": "third_party_certification_number",        "value": "testTPCN"      }    ],    "senderInformation": {      "referenceNumber": "ms_user"    }}

{  "_links" : {    "authReversal" : {      "method" : "POST",      "href" : "/pts/v2/payments/7627850219976435403093/reversals"    },    "self" : {      "method" : "GET",      "href" : "/pts/v2/payments/7627850219976435403093"    },    "capture" : {      "method" : "POST",      "href" : "/pts/v2/payments/7627850219976435403093/captures"    }  },  "clientReferenceInformation" : {    "code" : "test123"  },  "id" : "7627850219976435403093",  "orderInformation" : {    "amountDetails" : {      "authorizedAmount" : "9900.00",      "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"    }  },  "pointOfSaleInformation" : {    "emv" : {      "tags" : "910AAB002233445577883030"    }  },  "reconciliationId" : "7627850219976435403093",  "status" : "AUTHORIZED",  "submitTimeUtc" : "2025-11-10T14:30:22Z"}

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 `contactless`.
`pointOfSaleInformation.pin.blockEncodingFormat`
`pointOfSaleInformation.pin.encryptedPin`
`pointOfSaleInformation.pin.keySerialNumber`
`pointOfSaleInformation.pinEntryCapability`
`pointOfSaleInformation.terminalCapability`
`pointOfSaleInformation.trackData`
`pointOfSaleInformation.transactionDateTime`
`processingInformation.authorizationOptions.partialAuthIndicator`
`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