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Authorizations with Payment Network Tokens

This section shows you how to successfully process an authorization with payment network tokens.

Supported Processors

These processors and card types support authorizations with payment network tokens:

ProcessorCard Types
American Express DirectAmerican Express
BarclaysVisa, Mastercard, JCB, Maestro (International), Maestro (UK Domestic), Diners Club, Discover<br>If you support Maestro (UK Domestic), you must also support Maestro (International), and you must support Mastercard Identity Check for both card types.
Chase Paymentech SolutionsVisa, Mastercard, American Express, Discover, Diners Club, JCB, Carte Blanche, Maestro (International)
Chase TandemVisa, Mastercard, American Express, Discover, Diners Club, JCB, China UnionPay
CieloVisa, Mastercard, Elo
Credit Mutuel-CICVisa, Mastercard, Cartes Bancaires
Elavon AmericasVisa, Mastercard, American Express, JCB, Diners Club, Discover, China UnionPay
FDC Nashville GlobalMastercard, Visa
FDC CompassAmerican Express, Discover, Mastercard, Visa
FDMS NashvilleVisa, Mastercard
GPNVisa, Mastercard, American Express, Discover, Diners Club, JCB
HBoSVisa, Mastercard
HSBCVisa, Mastercard, Maestro (UK Domestic), Maestro (International), Visa Electron
JCN GatewayJCB
OmniPay DirectVisa, Mastercard, Discover, Diners Club, Maestro (UK Domestic), Maestro (International)
PrismaVisa, Mastercard
SIXVisa, Mastercard
StreamlineVisa, Mastercard
TSYS Acquiring SolutionsVisa, Mastercard, American Express
VeroVisa, Mastercard, Elo
Visa, Mastercard, American Express, Discover, JCB, Diners Club
Worldpay VAPVisa, Mastercard
ProcessorCard Types
BarclaysVisa, Mastercard, JCB, Maestro (International), Maestro (UK Domestic), Diners Club, Discover<br>If you support Maestro (UK Domestic), you must also support Maestro (International), and you must support Mastercard Identity Check for both card types.
ProcessorCard Types
Chase Paymentech SolutionsVisa, Mastercard, American Express, Discover, Diners Club, JCB, Carte Blanche, Maestro (International)
Elavon AmericasVisa, Mastercard, American Express, JCB, Diners Club, Discover, China UnionPay
FDC Nashville GlobalMastercard, Visa
StreamlineVisa, Mastercard
Visa, Mastercard, American Express, Discover, JCB, Diners Club
Worldpay VAP<br>Worldpay VAP was previously called Litle. Litle was purchased by Vantiv, which was then purchased by Worldpay VAP. If you have any questions about this situation, contact your account manager at Worldpay VAP.Visa, Mastercard
ProcessorCard Types
Visa, Mastercard, American Express, Discover, JCB, Diners Club
TSYS Acquiring SolutionsVisa, Mastercard, American Express
ProcessorCard Types
Visa, Mastercard, American Express, Discover, JCB, Diners Club
ProcessorCard Types
Visa, Mastercard, American Express, Discover, JCB, Diners Club

Processor-Specific Information

FDC Nashville Global Merchant Category Codes: when your business signs up with , assigns your account a merchant category code (MCC) based on your primary business type. sends this MCC to the card networks with every transaction you process. If you process a transaction that is unrelated to your usual goods or services, include the merchantInformation.categoryCode field and set it to the relevant MCC. and FDC Nashville Global do not validate the MCC you send. Using an incorrect MCC can result in increased decline rates, interchange downgrades, or fines. To verify the correct MCC, contact your account manager.

Endpoints

POST /pts/v2/payments

POST /pts/v2/payments

POST /pts/v2/payments

Example

{  "orderInformation" : {    "billTo": {        "country": "US",        "lastName": "Kim",        "address1": "201 S. Division St.",        "postalCode": "48104-2201",        "locality": "Ann Arbor",        "administrativeArea": "MI",        "firstName": "Kyong-Jin",        "email": ""        },    "amountDetails" : {      "totalAmount" : "100",      "currency" : "USD"    }  },  "paymentInformation" : {    "tokenizedCard" : {      "expirationYear" : "2031",      "number" : "CARD_NUMBER",      "expirationMonth" : "12",      "transactionType" : "1",      "cryptogram" : "qE5juRwDzAUFBAkEHuWW9PiBkWv="    }  }}
{    "_links": {        "authReversal": {            "method": "POST",            "href": "/pts/v2/payments/6838294805206235603954/reversals"        },        "self": {            "method": "GET",            "href": "/pts/v2/payments/6838294805206235603954"        },        "capture": {            "method": "POST",            "href": "/pts/v2/payments/6838294805206235603954/captures"        }    },    "clientReferenceInformation": {        "code": "1683829480593"    },    "id": "6838294805206235603954",    "orderInformation": {        "amountDetails": {            "authorizedAmount": "100.00",            "currency": "USD"        }    },    "paymentAccountInformation": {        "card": {            "type": "001"        }    },    "paymentInformation": {        "tokenizedCard": {            "type": "001"        },        "card": {            "type": "001"        }    },    "pointOfSaleInformation": {        "terminalId": "111111"    },    "processorInformation": {        "approvalCode": "888888",        "networkTransactionId": "123456789619999",        "transactionId": "123456789619999",        "responseCode": "100",        "avs": {            "code": "1"        }    },    "reconciliationId": "60332034UHI9PRJ0",    "status": "AUTHORIZED",    "submitTimeUtc": "2023-05-11T18:24:40Z"}

Required Fields

Default Fields

FieldDescription
orderInformation.amountDetails.currency—
orderInformation.amountDetails.totalAmount—
orderInformation.billTo.address1—
orderInformation.billTo.email—
orderInformation.billTo.firstName—
orderInformation.billTo.lastName—
paymentinformation.tokenizedCard.cryptogram—
paymentinformation.tokenizedCard.expirationMonth—
paymentinformation.tokenizedCard.expirationYear—

Processor-Specific Fields

Elavon Americas, FDC Compass, RuPay, and

FieldDescription
paymentInformation.tokenizedCard.requestorId—
paymentInformation.tokenizedCard.transactionType—

Processor-Specific Fields

Elavon Americas and

FieldDescription
paymentInformation.tokenizedCard.requestorId—
paymentInformation.tokenizedCard.transactionType—

Optional Fields

You can use these optional fields to include additional information when processing an authorization with a payment network token:

Optional Fields
FieldDescription
clientReferenceInformation.code
consumerAuthenticationInformation.cavvFor 3-D Secure in-app transactions for Visa and JCB, set this field to the 3-D Secure cryptogram. Otherwise, set to the network token cryptogram.
consumerAuthenticationInformation.ucafAuthenticationDataFor Mastercard requests using 3-D Secure, set this field to the Identity Check cryptogram.
consumerAuthenticationInformation.ucafCollectionIndicatorFor Mastercard requests using 3-D Secure, set the value to 2.
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.postalCodeRequired only for transactions in the US and Canada.
orderInformation.billTo.administrativeAreaRequired only for transactions in the US and Canada.
processingInformation.commerceIndicator
paymentInformation.tokenizedCard.cardTypeIt is strongly recommended that you send the card type even if it is optional for your processor. Omitting the card type can cause the transaction to be processed with the wrong card type.
paymentInformation.tokenizedCard.cryptogram
paymentInformation.tokenizedCard.expirationMonthSet to the token expiration month that you received from the token service provider.
paymentInformation.tokenizedCard.expirationYearSet to the token expiration year that you received from the token service provider.
paymentInformation.tokenizedCard.numberSet to the token value that you received from the token service provider.
paymentInformation.tokenizedCard.requestorId
paymentInformation.tokenizedCard.transactionType

Last published: September 29, 2026