Prepare debit

POST 
/transaction/:apiKey/prepare-debit

Prepare a debit transaction, will not create a transaction on the IXOPAY platform. Used with very specific payment adapters to prepare a frontend payment widget.

Request

Path Parameters

apiKey stringrequired

Possible values: <= 50 characters

API Key of Connector

application/json

Body

Data which is required to process a Debit

merchantTransactionId MerchantTransactionId (string)
A unique identifier supplied by the merchant to track transactions within their own systems.
This field links the platform’s transaction back to the merchant’s system, allowing for easy tracking and reconciliation. Note that while this ID is used within the platform, there is no guarantee that it will be forwarded to the Payment Service Provider (PSP).
Possible values: non-empty and <= 50 characters
Example: c5f2accd-2c37-4b2c-bb03-22d168c25a74
additionalId1 AdditionalId1 (string)

A supplementary identifier dependent on the used adapter.

This field provides additional information that can be used based on the specific adapter and their field mappings. The usage of additionalId1 is contingent upon the support provided by the PSP, which is detailed in the adapter-specific documentation. If this field is supported, its proper usage will be outlined there. If it is not mentioned, it should not be used to avoid integration issues. Always refer to the adapter-specific documentation for guidance on using this additional identifier correctly.

Possible values: non-empty and <= 50 characters

additionalId2 AdditionalId2 (string)

A supplementary identifier dependent on the used adapter.

This field provides additional information that can be used based on the specific adapter and their field mappings. The usage of additionalId2 is contingent upon the support provided by the PSP, which is detailed in the adapter-specific documentation. If this field is supported, its proper usage will be outlined there. If it is not mentioned, it should not be used to avoid integration issues. Always refer to the adapter-specific documentation for guidance on using this additional identifier correctly.

Possible values: non-empty and <= 50 characters

extraData

object

Object containing key-value pairs (string-to-string), to be used by either the upstream Adapter, the Risk Engine etc.

Possible values: <= 64.
Property name: <= 64 characters.
Property value: <= 8192 characters.

property name* string
merchantMetaData string

Possible values: <= 255 characters

referenceUuid string

Possible values: non-empty and <= 50 characters

amount Amount (string)required
Decimal amount separated by ., maximum of 3 decimals.
Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$
Example: 9.99
currency Currency (string)required
ISO 4217 three-letter currency code.
Possible values: Value must match regular expression ^[A-Z]{3}$
Example: EUR
successUrl uri

Possible values: <= 4096 characters

cancelUrl uri

Possible values: <= 4096 characters

errorUrl uri

Possible values: <= 4096 characters

callbackUrl uri

Possible values: <= 4096 characters

transactionToken string

Possible values: <= 8192 characters

description string

Possible values: <= 255 characters

items

object[]

List of items sold.

Maximum JSON size: <= 32768 bytes.

Possible values: <= 128

Array [

identification string

Possible values: <= 128 characters

name string

Possible values: <= 256 characters

description string

Possible values: <= 2048 characters

quantity integer

Possible values: >= 1

price integer

Possible values: >= 1

currency Currency (string)

ISO 4217 three-letter currency code.

Possible values: Value must match regular expression ^[A-Z]{3}$

Example: EUR

l2l3Data

object

type string

Possible values: <= 32 characters

unit string

Possible values: <= 16 characters

unitPrice Amount (string)

Decimal amount separated by ., maximum of 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

Example: 9.99

discount Amount (string)

Decimal amount separated by ., maximum of 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

Example: 9.99

shippingAmount Amount (string)

Decimal amount separated by ., maximum of 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

Example: 9.99

taxAmount Amount (string)

Decimal amount separated by ., maximum of 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

Example: 9.99

taxRate Amount (string)

Decimal amount separated by ., maximum of 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

Example: 9.99

commodityCode string

Possible values: <= 64 characters

taxDetails

object[]

Possible values: <= 10

Array [

type string

Possible values: <= 255 characters

amount Amount (string)

Decimal amount separated by ., maximum of 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

Example: 9.99

rate Amount (string)

Decimal amount separated by ., maximum of 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

Example: 9.99

code string

Possible values: <= 255 characters

taxId string

Possible values: <= 255 characters

applied string

Possible values: <= 255 characters

exemptionCode string

Possible values: <= 255 characters

]

extraData

object

Object containing key-value pairs (string-to-string), to be used by either the upstream Adapter, the Risk Engine etc.

Possible values: <= 64.
Property name: <= 64 characters.
Property value: <= 8192 characters.

property name* string

]

withRegister boolean
transactionIndicator string

Possible values: [SINGLE, INITIAL, RECURRING, FIRST-CARDONFILE, CARDONFILE, CARDONFILE-MERCHANT-INITIATED]

customer

object

Information on the customer making a payment.

Strive to include as much information as possible. This reduces friction and provides the most benefit for risk checks, 3D-secure authentication and other validations.

identification string

Possible values: <= 36 characters

firstName string

First name of the customer.

Possible values: <= 50 characters

lastName string

Last name of the customer.

Possible values: <= 50 characters

birthDate date (string)

RFC 3339 Internet Date/Time Format full-date.

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))$

Example: 2001-02-03

gender string

Gender of the customer.

Possible values: [M, F]

billingAddress1 string

Line one of the customer's billing address.

Possible values: <= 50 characters

billingAddress2 string

Line two of the customer's billing address.

Possible values: <= 50 characters

billingCity string

City of the customer's billing address.

Possible values: <= 50 characters

billingPostcode string

Postal code of the customer's billing address.

Possible values: <= 16 characters

billingState string

State of the customer's billing address.

Possible values: <= 30 characters

billingCountry Country (string)

ISO 3166-1 alpha-2 country code.

Possible values: Value must match regular expression ^[A-Z]{2}$

Example: AT

billingPhone string

Possible values: <= 20 characters

Example: +XX 1234567890

shippingFirstName string

Possible values: <= 50 characters

shippingLastName string

Possible values: <= 50 characters

shippingCompany string

Possible values: <= 50 characters

shippingAddress1 string

Possible values: <= 50 characters

shippingAddress2 string

Possible values: <= 50 characters

shippingCity string

Possible values: <= 50 characters

shippingPostcode string

Possible values: <= 16 characters

shippingState string

Possible values: <= 30 characters

shippingCountry Country (string)

ISO 3166-1 alpha-2 country code.

Possible values: Value must match regular expression ^[A-Z]{2}$

Example: AT

shippingPhone string

Possible values: <= 20 characters

Example: +XX 1234567890

company string

Possible values: <= 50 characters

email string

Possible values: <= 255 characters

emailVerified boolean

ipAddress string

Possible values: <= 50 characters

nationalId string

Possible values: <= 20 characters

extraData

object

Object containing key-value pairs (string-to-string), to be used by either the upstream Adapter, the Risk Engine etc.

Possible values: <= 64.
Property name: <= 64 characters.
Property value: <= 8192 characters.

property name* string

paymentData

object

oneOf

PaymentIbanData

ibanData

object

iban string

Possible values: <= 34 characters

bic string

Possible values: <= 11 characters

mandateId string

Possible values: <= 50 characters

mandateDate date (string)

RFC 3339 Internet Date/Time Format full-date.

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))$

Example: 2001-02-03

PaymentWalletData

walletData

object

walletReferenceId string

Possible values: <= 255 characters

walletOwner string

Possible values: <= 255 characters

walletType string

Possible values: <= 255 characters

schedule

object

amount Amount (string)required

Decimal amount separated by ., maximum of 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

Example: 9.99

currency Currency (string)required

ISO 4217 three-letter currency code.

Possible values: Value must match regular expression ^[A-Z]{3}$

Example: EUR

periodLength integerrequired

The length of the duration, measured in periodUnit.

periodUnit PeriodUnit (string)required

The unit that the duration is measured in.

Possible values: [DAY, WEEK, MONTH, YEAR]

Example: MONTH

startDateTime date-time

RFC 3339 Internet Date/Time Format date-time

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))T(([0-1][0-9])|([2][0-3])):([0-5][0-9]):([0-5][0-9])\+[0-9]{2}\:[0-9]{2}$

Example: 2001-02-03T04:05:06+02:00

merchantMetaData string

The field merchantMetaData is optional and for your internal use only. It can be filled with any string you want, with a maximum length of 255 characters.

The value has no influence on the transaction process at all and will be returned to you in any postback notification. It may also be included in data exports.

If you want to add different types of information, we recommend separating them by a character which would not occur in the data value itself, e.g. a pipe character |.

Possible values: <= 255 characters

callbackUrl uri

Endpoint to receive status notifications.

Possible values: <= 4096 characters

Example: https://api.example.org/callback

customerProfileData

object

Reference to a customer profile created with the Customer Profile API.

Either profileGuid or customerIdentification MUST be provided.

profileGuid string

The unique customer profile identifier created by the platform.

Supply this field to register a new payment instrument with an existing customer profile.

Possible values: <= 36 characters

customerIdentification string

The customer profile identifier provided by you.

Supply this field to create a new customer profile, or register a new payment instrument with an existing customer profiled.

Possible values: <= 36 characters

markAsPreferred boolean

Mark payment instrument this CustomerProfile is used on as preferred.

threeDSecureData

object

3D-Secure authentication result obtained from the 3DS MPI Provider.

As explained in 3D Secure — Providing 3-D Secure data you should provide as many data as you have to apply for the 3D Secure 2.0 frictionless flow.

note

• All fields from the 3D Secure standard that already match with the transaction or customer data are already automatically filled by the IXOPAY platform, and are not listed here.
• 3D-Secure 2.0: For 3D-Secure 2.0, the browser* fields below are mandatory. Transaction will not succeed if neither all browser nor all SDK parameters are provided.
• Browser Data: The browser* fields are filled automatically by the IXOPAY platform if you are using hosted payment pages or payment.js integration. For any other integration flow you will need to provide them.

3dsecure ThreeDSecureType (string)

Triggers the 3D Secure authentication for this transaction.

Possible values: [OFF, OPTIONAL, MANDATORY]

schemeId string

"Pin" the scheme ID in case of a co-branded card.

Currently, there is only CB supported.

Possible values: [CB]

Example: CB

channel string

Indicates the type of channel interface being used to initiate the transaction.

• 01 - App-based
• 02 - Browser
• 03 - 3DS Requestor Initiated

Possible values: [01, 02, 03]

authenticationIndicator string

Indicates the type of Authentication request. This data element provides additional information to the ACS to determine the best approach for handling an authentication request.

• 01 - Payment transaction
• 02 - Recurring transaction
• 03 - Installment transaction
• 04 - Add card
• 05 - Maintain card
• 06 - Cardholder verification as part of EMV token ID&V

Possible values: [01, 02, 03, 04, 05, 06]

cardholderAuthenticationMethod string

Mechanism used by the Cardholder to authenticate to the 3DS Requester.

• 01 - No 3DS Requester authentication occurred (i.e. cardholder "logged in" as guest)
• 02 - Login to the cardholder account at the 3DS Requestor system using 3DS Requestor's own credentials
• 03 - Login to the cardholder account at the 3DS Requestor system using federated ID
• 04 - Login to the cardholder account at the 3DS Requestor system using issuer credentials
• 05 - Login to the cardholder account at the 3DS Requestor system using third-party authentication
• 06 - Login to the cardholder account at the 3DS Requestor system using FIDO Authenticator

Possible values: [01, 02, 03, 04, 05, 06]

cardholderAuthenticationDateTime date-time

Date and time in UTC of the cardholder authentication.

Example: 2001-02-03T04:05:06+02:00

cardHolderAuthenticationData string

Data that documents and supports a specific authentication process.

In the current version of the specification, this data element is not defined in detail, however the intention is that for each 3DS Requestor Authentication Method, this field carry data that the ACS can use to verify the authentication process.

Possible values: <= 1024 characters

challengeIndicator string

Indicates whether a challenge is requested for this transaction.

For example: For 01-PA, a 3DS Requester may have concerns about the transaction, and request a challenge.

• 01 - No preference
• 02 - No challenge requested
• 03 - Challenge requested: 3DS Requestor Preference
• 04 - Challenge requested: Mandate
• 05 - No challenge requested (transactional risk analysis is already performed)
• 06 - No challenge requested (Data share only)
• 07 - No challenge requested (strong consumer authentication is already performed)
• 08 - No challenge requested (utilise whitelist exemption if no challenge required)
• 09 - Challenge requested (whitelist prompt requested if challenge required)

Possible values: [01, 02, 03, 04, 05, 06, 07, 08, 09]

priorReference string

This data element provides additional information to the ACS to determine the best approach for handling a request.

Containing ACS Transaction ID for a prior authenticated transaction (for example, the first recurring transaction that was authenticated with the cardholder).

Possible values: <= 36 characters

priorAuthenticationMethod string

Mechanism used by the Cardholder to previously authenticate to the 3DS Requestor.

• 01 - Frictionless authentication occurred by ACS
• 02 - Cardholder challenge occurred by ACS
• 03 - AVS verified
• 04 - Other issuer methods

Possible values: [01, 02, 03, 04]

priorAuthenticationDateTime local-date-time

RFC 3339 Internet Date/Time Format date " " time without timespec-second, time-fraction, and time-zone.

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1])) (([0-1][0-9])|([2][0-3])):([0-5][0-9])$

Example: 2001-02-03 04:05

priorAuthenticationData string

Data that documents and supports a specific authentication process.

In the current version of the specification this data element is not defined in detail, however the intention is that for each 3DS Requestor Authentication Method, this field carry data that the ACS can use to verify the authentication process.

In future versions of the application, these details are expected to be included.

Possible values: <= 2048 characters

cardholderAccountType string

Indicates the type of account. For example, for a multi-account card product.

• 01 - Not applicable
• 02 - Credit
• 03 - Debit
• 04 - JCB specific value for Prepaid

Possible values: [01, 02, 03, 04]

cardholderAccountAgeIndicator string

Length of time that the cardholder has had the account with the 3DS Requester.

• 01 - No account (guest check-out)
• 02 - During this transaction
• 03 - Less than 30 days
• 04 - 30—60 days
• 05 - More than 60 days

Possible values: [01, 02, 03, 04, 05]

cardholderAccountDate date (string)

RFC 3339 Internet Date/Time Format full-date.

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))$

Example: 2001-02-03

cardholderAccountChangeIndicator string

Length of time since the cardholder’s account information with the 3DS Requestor was last changed.

Includes Billing or Shipping address, new payment account, or new user(s) added.

• 01 - Changed during this transaction
• 02 - Less than 30 days
• 03 - 30—60 days
• 04 - More than 60 days

Possible values: [01, 02, 03, 04]

cardholderAccountLastChange date-time

Date that the cardholder’s account with the 3DS Requestor was last changed. Including Billing or Shipping address, new payment account, or new user(s) added.

Example: 2001-02-03T04:05:06+02:00

cardholderAccountPasswordChangeIndicator string

Length of time since the cardholder’s account with the 3DS Requestor had a password change or account reset.

• 01 - No change
• 02 - Changed during this transaction
• 03 - Less than 30 days
• 04 - 30—60 days
• 05 - More than 60 days

Possible values: [01, 02, 03, 04, 05]

cardholderAccountLastPasswordChange date (string)

Date that cardholder’s account with the 3DS Requestor had a password change or account.

Example: 2001-02-03

shippingAddressUsageIndicator string

Indicates when the shipping address used for this transaction was first used with the 3DS.

• 01 - Changed during this transaction
• 02 - Less than 30 days
• 03 - 30—60 days
• 04 - More than 60 days

Possible values: [01, 02, 03, 04]

shippingAddressFirstUsage date (string)

RFC 3339 Internet Date/Time Format full-date.

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))$

Example: 2001-02-03

transactionActivityDay integer

Number of transactions (successful and abandoned) for this cardholder account with the 3DS Requestor across all payment accounts in the previous 24 hours.

Possible values: <= 999

transactionActivityYear integer

Number of transactions (successful and abandoned) for this cardholder account with the 3DS Requestor across all payment accounts in the previous year.

Possible values: <= 999

addCardAttemptsDay integer

Number of Add Card attempts in the last 24 hours.

Possible values: <= 999

purchaseCountSixMonths integer

Number of purchases with this cardholder account during the previous six month.

If the Cardholder Account Purchase Count reaches the value 999, it remains set at 999.

Possible values: <= 999

suspiciousAccountActivityIndicator string

Indicates whether the 3DS Requestor has experienced suspicious activity (including previous fraud) on the cardholder account.

• 01 - No suspicious activity has been observed
• 02 - Suspicious activity has been observed

Possible values: [01, 02]

shippingNameEqualIndicator string

Indicates if the Cardholder Name on the account is identical to the shipping Name used for this transaction.

• 01 - Account Name identical to shipping name
• 02 - Account Name different from shipping name

Possible values: [01, 02]

paymentAccountAgeIndicator string

Indicates the length of time that the payment account was enrolled in the cardholder’s account with the 3DS Requestor.

• 01 - No account (guest check-out)
• 02 - During this transaction
• 03 - Less than 30 days
• 04 - 30—60 days
• 05 - More than 60 days

Possible values: [01, 02, 03, 04, 05]

paymentAccountAgeDate date (string)

RFC 3339 Internet Date/Time Format full-date.

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))$

Example: 2001-02-03

billingAddressLine3 string

Line 3 of customer's billing address.

Possible values: <= 128 characters

billingAddressState string

State of the customer's billing address.

Possible values: Value must match regular expression ^[A-Z0-9]{1,3}$

shippingAddressLine3 string

Line 3 of customer's shipping address.

Possible values: <= 128 characters

shippingAddressState string

State of the customer's shipping address.

Possible values: Value must match regular expression ^[A-Z0-9]{1,3}$

billingShippingAddressMatch string

Indicates whether the Cardholder Shipping Address and Cardholder Billing Address are the same.

• Y - Shipping Address matches Billing Address
• N - Shipping Address does not match Billing Address

Possible values: [Y, N]

homePhoneCountryPrefix string

Country Code of the home phone, ITU E.164.

Possible values: non-empty and <= 3 characters

homePhoneNumber string

Subscriber section of the number.

Possible values: <= 15 characters

mobilePhoneCountryPrefix string

Country Code of the mobile phone, ITU E.164.

Possible values: non-empty and <= 3 characters

mobilePhoneNumber string

Subscriber section of the number.

Possible values: <= 15 characters

workPhoneCountryPrefix string

Country Code of the work phone, ITU E.164.

Possible values: non-empty and <= 3 characters

workPhoneNumber string

Subscriber section of the number.

Possible values: <= 15 characters

purchaseInstalData integer

Indicates the maximum number of authorisations permitted for instalment payments.

The field is required if the Merchant and Cardholder have agreed to installment payments, i.e. if 3DS Requestor Authentication Indicator = 03.

Omitted if not an installment payment authentication.

Possible values: >= 1 and <= 999

shipIndicator string

Indicates shipping method chosen for the transaction.

Merchants must choose the Shipping Indicator code that most accurately describes the cardholder's specific transaction. If one or more items are included in the sale, use the Shipping Indicator code for the physical goods, or if all digital goods, use the code that describes the most expensive item.

• 01 - Ship to cardholder's billing address
• 02 - Ship to another verified address on file with merchant
• 03 - Ship to address that is different from the cardholder's billing address
• 04 - "Ship to Store" / Pick-up at local store (Store address shall be populated in shipping address fields)
• 05 - Digital goods (includes online services, electronic gift cards and redemption codes)
• 06 - Travel and Event tickets, not shipped
• 07 - Other (for example, Gaming, digital services not shipped, e-media subscriptions, etc.)

Possible values: [01, 02, 03, 04, 05, 06, 07]

deliveryTimeframe string

Indicates the merchandise delivery timeframe.

• 01 - Electronic Delivery
• 02 - Same day shipping
• 03 - Overnight shipping
• 04 - Two-day or more shipping

Possible values: [01, 02, 03, 04]

deliveryEmailAddress string

For electronic delivery, the email address to which the merchandise was delivered.

Possible values: <= 128 characters

reorderItemsIndicator string

Indicates whether the cardholder is reordering previously purchased merchandise.

• 01 - First time ordered
• 02 - Reordered

Possible values: [01, 02]

preOrderPurchaseIndicator string

Indicates whether Cardholder is placing an order for merchandise with a future availability or release date.

• 01 - Merchandise available
• 02 - Future availability

Possible values: [01, 02]

preOrderDate date (string)

RFC 3339 Internet Date/Time Format full-date.

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))$

Example: 2001-02-03

giftCardAmount integer

For prepaid or gift card purchase, the purchase amount total of prepaid or gift card(s) in major units (for example, "USD 123.45" is 123).

Possible values: <= 999999999999999

giftCardCurrency Currency (string)

ISO 4217 three-letter currency code.

Possible values: Value must match regular expression ^[A-Z]{3}$

Example: EUR

giftCardCount integer

For prepaid or gift card purchase, total count of individual prepaid or gift cards/codes purchased.

Possible values: >= 1 and <= 99

purchaseDate local-date-time

RFC 3339 Internet Date/Time Format date " " time without timespec-second, time-fraction, and time-zone.

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1])) (([0-1][0-9])|([2][0-3])):([0-5][0-9])$

Example: 2001-02-03 04:05

recurringExpiry date (string)

RFC 3339 Internet Date/Time Format full-date.

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))$

Example: 2001-02-03

recurringFrequency integer

Indicates the minimum number of days between authorizations.

This field is required for 01-PA and for 02-NPA, if 3DS Requestor Authentication Indicator = 02 or 03.

Possible values: <= 9999

transType string

Identifies the type of transaction being authenticated.

The values are derived from ISO 8583.

• 01 - Goods / Service purchase
• 03 - Check Acceptance
• 10 - Account Funding
• 11 - Quasi-Cash Transaction
• 28 - Prepaid activation and Loan

Possible values: [01, 03, 10, 11, 28]

exemptionIndicator string

Requests an SCA exemption for this transaction.

Possible values are:

• 01 - Low Value Transaction (amount under 30 EUR)
• 02 - Low Risk Transaction
• 03 - Whitelisted transaction, merchant is added as "Trusted Beneficiary" by cardholder
• 04 - Secure Corporate Payment
• 05 - Recurring or Merchant-initiated transaction
• 06 - Mail or Telephone Order
• 07 - Anonymous payment card

Possible values: [01, 02, 03, 04, 05, 06, 07]

threeRIIndicator string

Indicates the type of 3RI request.

This data element provides additional information to the ACS to determine the best approach for handling a 3RI request. Possible values are:

• 01 - Recurring transaction
• 02 - Installment transaction
• 03 - Add card
• 04 - Maintain card information
• 05 - Account verification.
• 06 - Split/delayed shipment
• 07 - Top-up
• 08 - Mail order
• 09 - Telephone order
• 10 - Whitelist status check
• 11 - Other payment
• 12 - Billing agreement.

Possible values: [01, 02, 03, 04, 05, 06, 07, 08, 09, 10, 11, 12]

browserChallengeWindowSize string

Dimensions of the challenge window that has been displayed to the Cardholder.

The ACS shall reply with content that is formatted to appropriately render in this window to provide the best possible user experience.

• 01 - 250x400
• 02 - 390x400
• 03 - 500x600
• 04 - 600x400
• 05 - Full screen

Possible values: [01, 02, 03, 04, 05]

browserAcceptHeader string

Exact content of the HTTP accept headers as sent to the 3DS Requestor from the Cardholder's browser

Possible values: <= 2048 characters

browserIpAddress string

IP address of the browser as returned by the HTTP headers to the 3DS Requestor.

• IPv4 address is represented in the dotted decimal format of 4 sets of decimal numbers separated by dots. The decimal number in each and every set is in the range 0—255. Example: 1.12.123.255
• IPv6 address is represented as eight groups of four hexadecimal digits, each group representing 16 bits (two octets). The groups are separated by colons (:). Example: 2011:0db8:85a3:0101:0101:8a2e:0370:7334

Possible values: <= 56 characters

browserJavaEnabled boolean

Boolean that represents the ability of the cardholder browser to execute Java.

Value is returned from the navigator.javaEnabled property.

browserLanguage string

Value representing the browser language as defined in IETF BCP47.

Value is returned from navigator.language property.

Possible values: non-empty and <= 8 characters

browserColorDepth string

Value representing the bit depth of the colour palette for displaying images, in bits per pixel. Obtained from Cardholder browser using the screen.colorDepth property.

• 1 - 1 bit
• 4 - 4 bits
• 8 - 8 bits
• 15 - 15 bits
• 16 - 16 bits
• 24 - 24 bits
• 32 - 32 bits
• 48 - 48 bits

Possible values: [1, 4, 8, 15, 16, 24, 30, 32, 48]

browserScreenHeight integer

Total height of the Cardholder's screen in pixels.

Value is returned from the screen.height property.

browserScreenWidth integer

Total width of the Cardholder's screen in pixels.

Value is returned from the screen.width property.

browserTimezone integer

Time difference between UTC time and the Cardholder browser local time, in minutes.

The field is limited to 1-5 characters where the value is returned from the getTimezoneOffset() method.

Possible values: >= -9999 and <= 9999

browserUserAgent string

Exact content of the HTTP user-agent header.

Possible values: <= 2048 characters

browserPlatform string

Platform on which the cardholder's browser is running. If navigator.platform is not available, omit or pass an empty string.

See also MDN — navigator: platform property.

Possible values: <= 2048 characters

sdkInterface string

Specifies all the SDK interface types that the device supports for displaying specific challenge user interfaces within the SDK.

Accepted values are:

• 01 - Native
• 02 - HTML
• 03 - Both

Possible values: [01, 02, 03]

sdkUiType string

A comma-separated list of all UI types that the device supports for displaying specific challenge user interfaces within the SDK.

Accepted values for each UI type are:

• 01 - Text
• 02 - Single select
• 03 - Multi select
• 04 - OOB
• 05 - Html Other (valid only for HTML UI)

Possible values: Value must match regular expression ^(0[1-5]( *, *0[0-5])*)?$

Example: 01,02,05

sdkAppID string

Universally e created upon all installations and updates of the 3DS Requestor App on a Customer Device.

Possible values: <= 128 characters

sdkEncData string

JWE Object as defined 3DS Specs Section 6.2.2.1 containing data encrypted by the SDK for the DS to decrypt.

Possible values: <= 128 characters

sdkEphemPubKey string

Public key component of the ephemeral key pair generated by the 3DS SDK and used to establish session keys between the 3DS SDK and ACS.

The value should be a JSON string containing the keys kty, crv, x, y,

Possible values: <= 128 characters

Example: {"kty":"EC","crv":"P-256","x":"...","y":"..."}

sdkMaxTimeout integer

Indicates the maximum amount of time (in minutes) for all exchanges.

Possible values: >= 5

sdkReferenceNumber string

Identifies the vendor and version of the 3DS SDK that is integrated in a 3DS Requestor App, assigned by EMVCo when the 3DS SDK is approved.

Possible values: <= 32 characters

sdkTransID string

Universally unique transaction identifier assigned by the 3DS SDK to identify a single transaction.

Possible values: <= 128 characters

language string

Possible values: >= 2 characters and <= 2 characters

Responses

200

Prepare Debit response

application/json

Schema

Schema

success boolean
error string

data

object

property name* string
property name* any

Example (from schema)

{
  "success": true,
  "error": "string",
  "data": {}
}

Success

{
  "success": true,
  "data": {
    "data1": "data1",
    "data2": "data2"
  }
}

Error

{
  "success": false,
  "errorMessage": "Given identifier 'someIdentifier' is invalid."
}

Callbacks

POST statusChange

POST 
{$request.body#/callbackUrl}

Receive status updates about transactions.

Status changes are posted as callbacks to the callbackUrl defined in the request. See the Callbacks reference for further information about callbacks.

application/json

Body

required

The current state of the transaction.

uuid string

UUID of the transaction.

merchantTransactionId MerchantTransactionId (string)
A unique identifier supplied by the merchant to track transactions within their own systems.
This field links the platform’s transaction back to the merchant’s system, allowing for easy tracking and reconciliation. Note that while this ID is used within the platform, there is no guarantee that it will be forwarded to the Payment Service Provider (PSP).
Possible values: non-empty and <= 50 characters
Example: c5f2accd-2c37-4b2c-bb03-22d168c25a74
purchaseId string

Purchase ID of the transaction.

Possible values: <= 50 characters

transactionType TransactionType (string)

Possible values: [DEBIT, CAPTURE, DEREGISTER, PREAUTHORIZE, REFUND, REGISTER, VOID, CHARGEBACK, CHARGEBACK-REVERSAL, PAYOUT, INCREMENTAL-AUTHORIZATION]

transactionSubType TransactionSubType (string)

Only present if transaction has a subType.

Possible values: [cb-resolved, cb-reversal-resolved]

paymentMethod string

Payment method.

amount Amount (string)
Decimal amount separated by ., maximum of 3 decimals.
Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$
Example: 9.99
currency Currency (string)
ISO 4217 three-letter currency code.
Possible values: Value must match regular expression ^[A-Z]{3}$
Example: EUR
surchargeAmount Amount (string)
Decimal amount separated by ., maximum of 3 decimals.
Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$
Example: 9.99
totalAmount Amount (string)
Decimal amount separated by ., maximum of 3 decimals.
Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$
Example: 9.99

dccData

object

remoteIdentifier string

Possible values: <= 128 characters

originalAmount Amount (string)

Decimal amount separated by ., maximum of 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

Example: 9.99

originalCurrency Currency (string)

ISO 4217 three-letter currency code.

Possible values: Value must match regular expression ^[A-Z]{3}$

Example: EUR

convertedAmount Amount (string)

Decimal amount separated by ., maximum of 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

Example: 9.99

convertedCurrency Currency (string)

ISO 4217 three-letter currency code.

Possible values: Value must match regular expression ^[A-Z]{3}$

Example: EUR

conversionRate number

selectedCurrency string

Possible values: <= 32 characters

markUp number
referenceUuid string

Possible values: non-empty and <= 50 characters

errors

object[]

Array [

message string

Error message.

While the message field provides useful context for understanding the nature of the error, it's important to note that the content of this message can vary based on specific circumstances. For consistent and reliable error handling in your application, always base your logic on the code field, not the message.

code string

Error code.

For a complete list of error codes and their meanings, please see the appendix on Error codes.

adapterMessage stringnullable

Adapter specific error message, passed verbatim from the upstream Adapter.

adapterCode stringnullable

Adapter specific error code, passed verbatim from the upstream Adapter.

]

chargebackData

object

When transactionType is CHARGEBACK this field contains information on the chargeback.

originalUuid string

originalMerchantTransactionId string

Possible values: non-empty and <= 50 characters

amount Amount (string)

Decimal amount separated by ., maximum of 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

Example: 9.99

currency Currency (string)

ISO 4217 three-letter currency code.

Possible values: Value must match regular expression ^[A-Z]{3}$

Example: EUR

reason string

chargebackDateTime date-time

RFC 3339 Internet Date/Time Format date-time

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))T(([0-1][0-9])|([2][0-3])):([0-5][0-9]):([0-5][0-9])\+[0-9]{2}\:[0-9]{2}$

Example: 2001-02-03T04:05:06+02:00

property name* any

When transactionType is CHARGEBACK this field contains information on the chargeback.

chargebackReversalData

object

When transactionType is CHARGEBACK-REVERSAL this field contains information on the chargeback-reversal.

originalUuid string

originalMerchantTransactionId string

Possible values: non-empty and <= 50 characters

chargebackUuid string

amount Amount (string)

Decimal amount separated by ., maximum of 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

Example: 9.99

currency Currency (string)

ISO 4217 three-letter currency code.

Possible values: Value must match regular expression ^[A-Z]{3}$

Example: EUR

reason string

reversalDateTime date-time

RFC 3339 Internet Date/Time Format date-time

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))T(([0-1][0-9])|([2][0-3])):([0-5][0-9]):([0-5][0-9])\+[0-9]{2}\:[0-9]{2}$

Example: 2001-02-03T04:05:06+02:00

property name* any

When transactionType is CHARGEBACK-REVERSAL this field contains information on the chargeback-reversal.

extraData

object

Object containing key-value pairs (string-to-string), to be used by either the upstream Adapter, the Risk Engine etc.

Possible values: <= 64.
Property name: <= 64 characters.
Property value: <= 8192 characters.

property name* string
merchantMetaData string

returnData

object

_TYPE

string

required

Possible values: [cardData, phoneData, ibanData, walletData, achData]

cardData

type string

Type of credit card

firstName string

lastName string

country Country (string)

ISO 3166-1 alpha-2 country code.

Possible values: Value must match regular expression ^[A-Z]{2}$

Example: AT

cardHolder string

expiryMonth string

Possible values: Value must match regular expression ^((0[1-9])|(1[0-2]))$

expiryYear string

Possible values: Value must match regular expression ^[0-9]{4}$

binDigits string

Possible values: Value must match regular expression ^[0-9]{6-8}$

firstSixDigits string

Possible values: Value must match regular expression ^[0-9]{6}$

lastFourDigits string

Possible values: Value must match regular expression ^[0-9]{4}$

fingerprint string

binBrand string

binBank string

binType string

binLevel string

binCountry string

threeDSecure ThreeDSecureType (string)

Triggers the 3D Secure authentication for this transaction.

Possible values: [OFF, OPTIONAL, MANDATORY]

eci string

merchantAdviceCode string

Pipes through the merchant advice code for failed transactions if supported by the adapter.

parsedMerchantAdviceCode string

Merchant advice code for failed transactions if supported by the adapter.

• 01 - Additional information needed.
• 02 - Try again later.
• 03 - Do not try again.

Possible values: [01, 02, 03]

schemeTransactionIdentifier string

The schemeTransactionIdentifier, is a unique reference generated by a card scheme. It serves the purpose of traceability back to the initial transaction.

It is also referred to as the 'scheme reference ID,' 'scheme transaction ID,' 'trace ID' (for Mastercard), or 'transaction ID' (for VISA).

cardUpdateStatus stringnullable

Status of the last account updater run.

Only non-null if the account updater is enabled and has run at least once.

Possible values: [updated, contact, new-expiry, closed]

cardUpdatedAt date (string)nullable

Last run of the account updater.

Only non-null if the account updater is enabled and has run at least once. RFC 3339 Internet Date/Time Format full-date.

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))$

Example: 2001-02-03

phoneData

phoneNumber string

country Country (string)

ISO 3166-1 alpha-2 country code.

Possible values: Value must match regular expression ^[A-Z]{2}$

Example: AT

operator string

ibanData

accountOwner string

iban string

bic string

mandateId string

mandateDate date (string)

RFC 3339 Internet Date/Time Format full-date.

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))$

Example: 2001-02-03

bankName string

bankBranchName string

country Country (string)

ISO 3166-1 alpha-2 country code.

Possible values: Value must match regular expression ^[A-Z]{2}$

Example: AT

walletData

walletReferenceId string

Reference ID of the wallet.

walletOwner string

Owner of the wallet.

walletType string

Type of wallet.

walletOwnerFirstName string

First name of wallet owner.

walletOwnerLastName string

Last name of wallet owner.

walletOwnerCountryCode string

Country code of wallet owner.

walletRegistrationId string

UUID of the transaction that initially registered this wallet.

achData

accountHolder string

accountHolderType string

Possible values: [person, company]

accountType string

Possible values: [checking, savings]

accountNumber string

Possible values: <= 17 characters

routingNumber int32

Possible values: >= 9 characters and <= 9 characters

payByLinkData

object

payByLink booleandeprecated

true if this transaction was a Pay-by-Link transaction.

sendViaEmail boolean

true if this Pay-by-Link was sent to the transaction customer via email.

cancelUrl uri

Endpoint to call to cancel a Pay-by-Link transaction.

For details, see Pay-by-Link API reference.

expiresAt date-time

Indicates at what date time the Pay-by-Link transaction expires.

property name* any

customer

object

identification string

Possible values: <= 36 characters

firstName string

Possible values: <= 50 characters

lastName string

Possible values: <= 50 characters

birthDate date (string)

RFC 3339 Internet Date/Time Format full-date.

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))$

Example: 2001-02-03

gender string

Possible values: [M, F]

billingAddress1 string

Possible values: <= 50 characters

billingAddress2 string

Possible values: <= 50 characters

billingCity string

Possible values: <= 50 characters

billingPostcode string

Possible values: <= 16 characters

billingState string

Possible values: <= 30 characters

billingCountry Country (string)

ISO 3166-1 alpha-2 country code.

Possible values: Value must match regular expression ^[A-Z]{2}$

Example: AT

billingPhone string

Possible values: <= 20 characters

Example: +XX 1234567890

shippingFirstName string

Possible values: <= 50 characters

shippingLastName string

Possible values: <= 50 characters

shippingCompany string

Possible values: <= 50 characters

shippingAddress1 string

Possible values: <= 50 characters

shippingAddress2 string

Possible values: <= 50 characters

shippingCity string

Possible values: <= 50 characters

shippingPostcode string

Possible values: <= 16 characters

shippingState string

Possible values: <= 30 characters

shippingCountry Country (string)

ISO 3166-1 alpha-2 country code.

Possible values: Value must match regular expression ^[A-Z]{2}$

Example: AT

shippingPhone string

Possible values: <= 20 characters

Example: +XX 1234567890

company string

Possible values: <= 50 characters

email string

Possible values: <= 255 characters

emailVerified boolean

ipAddress string

Possible values: <= 50 characters

nationalId string

Possible values: <= 20 characters

extraData

object

Object containing key-value pairs (string-to-string), to be used by either the upstream Adapter, the Risk Engine etc.

Possible values: <= 64.
Property name: <= 64 characters.
Property value: <= 8192 characters.

property name* string

paymentData

object

oneOf

PaymentIbanData

ibanData

object

iban string

Possible values: <= 34 characters

bic string

Possible values: <= 11 characters

mandateId string

Possible values: <= 50 characters

mandateDate date (string)

RFC 3339 Internet Date/Time Format full-date.

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))$

Example: 2001-02-03

PaymentWalletData

walletData

object

walletReferenceId string

Possible values: <= 255 characters

walletOwner string

Possible values: <= 255 characters

walletType string

Possible values: <= 255 characters

property name* any

customerProfileData

object

profileGuid string

The unique customer profile identifier generated by the platform.

customerIdentification string

The customer profile identifier provided by you when creating the customer profile. Unique within one customer profile container.

paymentToken string

The created payment instrument for the customer profile, use with transactionToken when creating new transactions.

markAsPreferred boolean

Whether this payment instrument was marked as preferred for the customer.

property name* any

splits

object[]

Possible values: <= 10

Array [

identification string

Possible values: <= 11 characters

amount Amount (string)

Decimal amount separated by ., maximum of 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

Example: 9.99

currency Currency (string)

ISO 4217 three-letter currency code.

Possible values: Value must match regular expression ^[A-Z]{3}$

Example: EUR

sellerMerchantGuid string

Possible values: <= 11 characters

sellerMerchantExternalId string

Possible values: <= 128 characters

commissionFee

object

amount Amount (string)

Decimal amount separated by ., maximum of 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

Example: 9.99

currency Currency (string)

ISO 4217 three-letter currency code.

Possible values: Value must match regular expression ^[A-Z]{3}$

Example: EUR

property name* any

]

message string

Error message.

While the message field provides useful context for understanding the nature of the error, it's important to note that the content of this message can vary based on specific circumstances. For consistent and reliable error handling in your application, always base your logic on the code field, not the message.

code string

Error code.

For a complete list of error codes and their meanings, please see the appendix on Error codes.

adapterMessage stringnullable

Adapter specific error message, passed verbatim from the upstream Adapter.

adapterCode stringnullable

Adapter specific error code, passed verbatim from the upstream Adapter.

result string

Possible values: [OK, PENDING, ERROR]

scheduleData

object[]

Array [

scheduleId string

ID of schedule which was started with the transaction.

scheduleStatus ScheduleStatus (string)

Status of the schedule.

Possible values: [ACTIVE, PAUSED, CANCELLED, ERROR, CREATE-PENDING, NON-EXISTING]

scheduledAt date-time

RFC 3339 Internet Date/Time Format date-time

Possible values: Value must match regular expression ^[0-9]{4}-((0[1-9])|(1[0-2]))-((0[1-9])|([1-2][0-9])|(3[0-1]))T(([0-1][0-9])|([2][0-3])):([0-5][0-9]):([0-5][0-9])\+[0-9]{2}\:[0-9]{2}$

Example: 2001-02-03T04:05:06+02:00

merchantMetaData string

]

notificationSource string

In case the transaction status, amount or currency has been changed after reconciliation the parameter can have the following value: reconciliation, settlement.

Possible values: [reconciliation, settlement]

originalAmount string

In case the transaction amount has been changed after reconciliation the is parameter will contain the original amount. Decimals separated by ., max. 3 decimals.

Possible values: Value must match regular expression ^(([0-9]{1,10})|([0-9]{1,10}\.[0-9]{1,3}))$

originalCurrency string
In case the transaction currency has been changed after reconciliation the is parameter will contain the original currency.
ISO 4217 three-letter currency code.
Possible values: Value must match regular expression ^[A-Z]{3}$
Example: EUR

Callbacks Responses

200

Reply with status 200 and body OK if you have received the callback successfully.

text/plain

Schema

Schema

string

Possible values: [OK]

Success

OK

500

Callback processing failed and retries will be performed.

See the Response handling — Acknowledging callback receipt reference for further information.

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