Stand-Alone Credits

This section shows you how to process a credit, which is not linked to a capture or sale. There is no time limit for requesting a credit.

When you request a void for a refund or credit before settlement, the refund or credit is voided. If your account is enabled for credit authorizations, the credit authorization is also reversed.

Supported Processors

AIBMS
American Express Direct
Barclays
Chase Paymentech Solutions
Credit Mutuel-CIC
eftpos
Elavon
Elavon Americas
FDC Compass
FDC Nashville Global
FDI Australia
FDMS Nashville
Fiserv RapidConnect
GPN
HBOS
HSBC
JCN Gateway
Lloyds-OmniPay
LloydsTSB Cardnet
Moneris
OmniPay Direct
RuPay HDFC
SIX
Streamline
TSYS Acquiring Solutions
UATP
Worldpay VAP

Chase Paymentech Solutions
Elavon Americas
FDC Nashville Global
Streamline
Worldpay VAP

Barclays

TSYS Acquiring Solutions

Processor-Specific Information

eftpos: you can process a stand-alone credit that is not linked to a sale transaction. When you request a void for the credit and the credit is voided, if your account is enabled for credit authorizations, the credit authorization is also reversed. The expiration date is optional for card-not-present stand-alone credit transactions.

Chase Tandem: you can process stand-alone credits credits 6 months or more after the authorization.

Visa Platform Connect: When your account is enabled for credit authorizations, also known as purchase return authorizations, authenticates the card and customer during a follow-on refund or stand-alone credit request. Every credit request is automatically authorized.

Credit authorization results are returned in these response fields:

processorInformation.approvalCode
processorInformation.networkTransactionId
processorInformation.responseCode

For Visa Platform Connect, credit authorizations are handled the same for these card types: American Express, Diners, Discover, JCB, Mastercard, and Visa.

Endpoints

POST /pts/v2/credits/

A stand-alone credit is not linked to a previous transaction, so no transaction ID is required in the endpoint URL.

Example

Standard 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": "100.00",      "currency": "eur"    }  },  "paymentInformation": {    "card": {      "expirationYear": "2031",      "number": "CARD_NUMBER",      "expirationMonth": "12"    }  }}

{    "_links": {        "void": {            "method": "POST",            "href": "/pts/v2/credits/6663069906146706403954/voids"        },        "self": {            "method": "GET",            "href": "/pts/v2/credits/6663069906146706403954"        }    },    "clientReferenceInformation": {        "code": "1666306990717"    },    "creditAmountDetails": {        "currency": "eur",        "creditAmount": "100.00"    },    "id": "6663069906146706403954",    "orderInformation": {        "amountDetails": {            "currency": "eur"        }    },    "paymentAccountInformation": {        "card": {            "type": "001"        }    },    "paymentInformation": {        "tokenizedCard": {            "type": "001"        },        "card": {            "type": "001"        }    },    "processorInformation": {        "approvalCode": "888888",        "networkTransactionId": "016153570198200",        "responseCode": "100"    },    "reconciliationId": "66490108K9CLFJPN",    "status": "PENDING",    "submitTimeUtc": "2022-10-20T23:03:10Z"}

eftpos Example

{  "clientReferenceInformation": {    "code": "Refund_A61_120",    "partner": {      "developerId": "eftPOS",      "solutionId": "CNP"    },    "applicationUser": "eftPOS"  },  "processingInformation": {    "commerceIndicator": "internet",    "reconciliationId": "222222"  },  "orderInformation": {    "billTo": {      "country": "AU",      "lastName": "VDP",      "address1": "123 Collins St",      "postalCode": "3000",      "locality": "Melbourne",      "administrativeArea": "VI",      "firstName": "CY",      "phoneNumber": "3-9657-1234",      "district": "VI",      "buildingNumber": "123",      "company": "Visa",      "email": "[email protected]"    },    "amountDetails": {      "totalAmount": "297.00",      "currency": "aud"    }  },  "paymentInformation": {    "card": {      "expirationYear": "2025",      "number": "CARD_NUMBER",      "expirationMonth": "12"    }  }}

{  "_links": {    "void": {      "method": "POST",      "href": "/pts/v2/credits/7495205466746998403091/voids"    },    "self": {      "method": "GET",      "href": "/pts/v2/credits/7495205466746998403091"    }  },  "clientReferenceInformation": {    "code": "Refund_A61_120",    "partner": {      "developerId": "eftPOS",      "solutionId": "CNP"    }  },  "creditAmountDetails": {    "currency": "aud",    "creditAmount": "297.00"  },  "id": "7495205466746998403091",  "orderInformation": {    "amountDetails": {      "currency": "aud"    }  },  "paymentAccountInformation": {    "card": {      "type": "070"    }  },  "paymentInformation": {    "tokenizedCard": {      "type": "070"    },    "card": {      "type": "070"    }  },  "processorInformation": {    "systemTraceAuditNumber": "277367",    "retrievalReferenceNumber": "222222",    "settlementDate": "0610",    "responseCode": "00"  },  "reconciliationId": "222222",  "status": "PENDING",  "submitTimeUtc": "2025-06-10T01:55:46Z"}

Fiserv RapidConnect Example

{    "clientReferenceInformation": {        "code": "123456789012",        "reconciliationId": "000000050000765"    },    "processingInformation": {        "commerceIndicator": "internet"    },    "orderInformation": {        "billTo": {            "country": "US",            "firstName": "John",            "lastName": "Smith",            "phoneNumber": "650-965-6111",            "address1": "600 Morgan Falls Road",            "postalCode": "94566-1234",            "locality": "Atlanta",            "administrativeArea": "MI",            "email": ""        },        "amountDetails": {            "totalAmount": "110",            "currency": "USD"        }    },    "merchantInformation": {        "merchantDescriptor": {            "name": "Best Bakery"        }    },    "paymentInformation": {        "card": {            "expirationYear": "2030",            "expirationMonth": "02"        },        "instrumentIdentifier": {            "id": "7018759999957811111"        }    }}

{    "submitTimeUtc": "2025-03-10T22:18:45Z",    "_links": {        "refund": {            "href": "/pts/v2/payments/7416451254443232235535/refunds",            "method": "POST"        },        "void": {            "href": "/pts/v2/payments/7416451254443232235535/voids",            "method": "POST"        },        "self": {            "method": "GET",            "href": "/pts/v2/payments/7416451254443232235535"        }    },    "processorInformation": {        "approvalCode": "OK9473",        "responseCodeSource": "4",        "networkTransactionId": "0014239537635196CN",        "responseCode": "000"    },    "consumerAuthenticationResponse": {        "systemTraceAuditNumber": "500028",        "merchantNumber": "RCTST1000107085"    },    "orderInformation": {        "amountDetails": {            "authorizedAmount": "110.00"        }    },    "message": "Successful transaction.",    "clientReferenceInformation": {        "code": "123456789012"    },    "issuerInformation": {        "responseCode": "123"    },    "reconciliationId": "000000050000765",    "pointOfSaleInformation": {        "terminalId": "00000001"    },    "id": "7416451254443232235535",    "status": "COMPLETED",    "embeddedActions": {        "TOKEN_RETRIEVE": {            "status": "SUCCESS"        }    }}

Required Fields

These fields are required when processing a stand-alone credit:

Default Required Fields

Field	Description
`orderInformation.amountDetails.currency`	—
`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`	—

Fiserv RapidConnect Required fields

Fiserv RapidConnect uses an instrument identifier instead of a card number. Replace paymentInformation.card.number with this field:

Field	Description
`clientReferenceInformation.code`	—
`clientReferenceInformation.reconciliationId`	—
`merchantInformation.merchantDescriptor.name`	—
`paymentInformation.instrumentIdentifier.id`	—
`processingInformation.commerceIndicator`	Set the value to `internet`.

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Last published: September 29, 2026