Debit and Prepaid Authorizations

This section shows you how to process an authorization using debit and prepaid cards using credit card services.

Supported Processors

AIBMS
American Express Direct
Banque de France et Trésor Public
Barclays
BNP Paribas France
Chase Paymentech Solutions
Cielo
Comercio Latino
Credit Mutuel-CIC
Elavon Americas
FDC Compass
FDC Nashville Global
FDI Australia
FDMS Nashville
Getnet
GPN
HBOS
HSBC
JCN Gateway
Lloyds-OmniPay
LloydsTSB Cardnet
Moneris
OmniPay Direct
Prosa
Rede
RuPay HDFC
SIX
Streamline
TSYS Acquiring Solutions
UATP
Vero
Worldpay VAP

Barclays

TSYS Acquiring Solutions

Chase Paymentech Solutions
Elavon Americas
FDC Nashville Global
Streamline
Worldpay VAP

Processor-Specific Information

FDC Nashville Global: the debit card transaction response includes these routing information fields:

processorInformation.routing.network
processorInformation.routing.networkName
processorInformation.routing.customerSignatureRequired

: in Canada, to process domestic debit transactions with Mastercard, you must contact customer support to have your account configured for this feature.

Endpoints

POST /pts/v2/payments

Example

{  "orderInformation": {    "billTo": {      "country": "US",      "firstName": "John",      "lastName": "Deo",      "address1": "901 Metro Center Blvd",      "postalCode": "40500",      "locality": "Foster City",      "administrativeArea": "CA",      "email": ""    },    "amountDetails": {      "totalAmount": "100.00",      "currency": "USD"    }  },  "paymentInformation": {    "card": {      "expirationYear": "2031",      "number": "CARD_NUMBER",      "securityCode": "123",      "expirationMonth": "12",      "type": "001"    }  }}

{  "_links": {    "authReversal": {      "method": "POST",      "href": "/pts/v2/payments/6595482584316313203494/reversals"    },    "self": {      "method": "GET",      "href": "/pts/v2/payments/6595482584316313203494"    },    "capture": {      "method": "POST",      "href": "/pts/v2/payments/6595482584316313203494/captures"    }  },  "clientReferenceInformation": {    "code": "RTS-Auth"  },  "consumerAuthenticationInformation": {    "token": "Axj/7wSTZYq1MhJBMfMmAEQs2auWrRwyauGjNi2ZsWbJgzaOWiaVA+JbKAU0qB8S2VpA6cQIp4ZNvG2YbC9eM4E5NlirUyEkEx8yYAAA4A1c"  },  "id": "6595482584316313203494",  "orderInformation": {    "amountDetails": {      "authorizedAmount": "100.00",      "currency": "USD"    }  },  "paymentAccountInformation": {    "card": {      "type": "001"    }  },  "paymentInformation": {    "tokenizedCard": {      "type": "001"    },    "card": {      "type": "001"    }  },  "processorInformation": {    "systemTraceAuditNumber": "853428",    "approvalCode": "831000",    "cardVerification": {      "resultCodeRaw": "M",      "resultCode": "M"    },    "merchantAdvice": {      "code": "01",      "codeRaw": "M001"    },    "responseDetails": "ABC",    "networkTransactionId": "016153570198200",    "retrievalReferenceNumber": "221517853428",    "consumerAuthenticationResponse": {      "code": "2",      "codeRaw": "2"    },    "transactionId": "016153570198200",    "responseCode": "00",    "avs": {      "code": "Y",      "codeRaw": "Y"    }  }}

Required Fields

These fields are required for a successful debit or prepaid authorization.

Field	Description
`clientReferenceInformation.code`	Order reference or tracking number. Provide a unique value for each transaction so that you can perform meaningful searches for the transaction.
`orderInformation.amountDetails.currency`	For RuPay HDFC: Set the value to `INR`. For Vero: Vero supports Brazilian real (BRL) currency only.
`orderInformation.amountDetails.totalAmount`	—
`orderInformation.billTo.address1`	—
`orderInformation.billTo.administrativeArea`	—
`orderInformation.billTo.country`	—
`orderInformation.billTo.email`	—
`orderInformation.billTo.firstName`	—
`orderInformation.billTo.lastName`	—
`orderInformation.billTo.locality`	—
`orderInformation.billTo.postalCode`	—
`paymentInformation.card.expirationMonth`	—
`paymentInformation.card.expirationYear`	—
`paymentInformation.card.number`	—
`paymentInformation.card.type`	—

Country-Specific Required Fields

Argentina

Field	Description
`merchantInformation.taxId`	required for Mastercard transactions.
`merchantInformation.transactionLocalDateTime`	required in Argentina when the time zone is not included in your account. Otherwise, this field is optional.

Brazil

Field	Description
`paymentInformation.card.sourceAccountType`	required for combo card transactions.
`paymentInformation.card.sourceAccountTypeDetails`	required for combo card line-of-credit and prepaid-card transactions.

Chile and Paraguay

Field	Description
`merchantInformation.taxId`	required for Mastercard transactions.

Mainland China

Field	Description
`consumerAuthenticationInformation.cavv`	required for domestic debit cards.

Saudi Arabia

Field	Description
`processingInformation.authorizationOptions.transactionMode`	—

Taiwan

Field	Description
`paymentInformation.card.hashedNumber`	—

Optional Field

You can use this optional field to include additional information when processing debit and prepaid authorizations.

Optional Field

Field	Description
`processingInformation.linkId`	set this field to the request ID that was returned in the response message from the original authorization request.

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Last published: September 29, 2026