Relaxed Requirements
With relaxed requirements for address data and the expiration date, not all standard payment request fields are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required.
Requirements
You must contact customer support to enable relaxed requirements for address data and expiration date.
Services
Relaxed requirements for address data and expiration date are supported for these services:
- Authorization
- Capture
- Stand-alone credit
- Subscription create
- Subscription update
Processors
Relaxed requirements for address data and expiration date are supported for these processors:
- American Express Direct
- Barclays
- Chase Paymentech Solutions
- Chase Tandem
- Cielo 3.0
- Comercio Latino
- Credit Mutuel-CIC
- Elavon
- Elavon Americas
- FDC Compass
- FDC Nashville Global
- FDI Australia
- Getnet
- GPN
- HBoS
- Moneris
- OmniPay Direct
- Rede
- SIX
- Worldpay VAP
- Chase Paymentech Solutions
- Elavon Americas
- FDC Nashville Global
- Worldpay VAP
Relaxed Fields
It is your responsibility to determine whether a field is required for the transaction you are requesting. For example, an issuing bank can decline an authorization request for a recurring transaction with a Visa Europe card if the expiration date is incorrect, invalid, or missing. If you do not provide the correct expiration date for a recurring transaction, the authorization request might be declined.
These processor sections list the relaxed fields and any additional requirements for each supported processor.
Visa Platform Connect
| Field | Requirement |
|---|---|
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 | You must also include paymentInformation.card.expirationYear. You can submit an expiration date that has expired; this exception does not apply when you combine any of the services that support relaxed requirements with any other service. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. You can submit an expiration date that has expired; this exception does not apply when you combine any of the services that support relaxed requirements with any other service. This field is required for payment network token transactions and subscription creation requests. |
American Express Direct
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
Barclays
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
Chase Tandem
| Field | Requirement |
|---|---|
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 | You can submit an expiration date that has expired; this exception does not apply when you combine any of the services that support relaxed requirements with any other service. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You can submit an expiration date that has expired; this exception does not apply when you combine any of the services that support relaxed requirements with any other service. This field is required for payment network token transactions and subscription creation requests. |
Cielo 3.0
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
Comercio Latino
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
Credit Mutuel-CIC
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
Elavon
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
Elavon Americas
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
FDC Compass
| Field | Requirement |
|---|---|
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 | You can submit an expiration date that has expired; this exception does not apply when you combine any of the services that support relaxed requirements with any other service. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You can submit an expiration date that has expired; this exception does not apply when you combine any of the services that support relaxed requirements with any other service. This field is required for payment network token transactions and subscription creation requests. |
FDC Nashville Global
| Field | Requirement |
|---|---|
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 | You can submit an expiration date that has expired; this exception does not apply when you combine any of the services that support relaxed requirements with any other service. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You can submit an expiration date that has expired; this exception does not apply when you combine any of the services that support relaxed requirements with any other service. This field is required for payment network token transactions and subscription creation requests. |
FDI Australia
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
Getnet
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
GPN
| Field | Requirement |
|---|---|
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 | You can submit an expiration date that has expired; this exception does not apply when you combine any of the services that support relaxed requirements with any other service. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You can submit an expiration date that has expired; this exception does not apply when you combine any of the services that support relaxed requirements with any other service. This field is required for payment network token transactions and subscription creation requests. |
HBoS
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
Moneris
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
OmniPay Direct
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
Rede
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
SIX
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
Chase Paymentech Solutions
| Field | Requirement |
|---|---|
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 | You can submit an expiration date that has expired; this exception does not apply when you combine any of the services that support relaxed requirements with any other service. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You can submit an expiration date that has expired; this exception does not apply when you combine any of the services that support relaxed requirements with any other service. This field is required for payment network token transactions and subscription creation requests. |
Vantiv CNP
| Field | Requirement |
|---|---|
orderInformation.billTo.address1 | — |
orderInformation.billTo.administrativeArea | — |
orderInformation.billTo.country | — |
orderInformation.billTo.email | — |
orderInformation.billTo.firstName | — |
orderInformation.billTo.lastName | — |
orderInformation.billTo.locality | — |
orderInformation.billTo.postalCode | You must also include orderInformation.billTo.country. |
paymentInformation.card.expirationMonth | You must also include paymentInformation.card.expirationYear. This field is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | You must also include paymentInformation.card.expirationMonth. This field is required for payment network token transactions and subscription creation requests. |
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Last published: September 29, 2026