Transaction Types
Financial Operations Types
The Gateway supports card not present (CNP) types of transactions, made where the Cardholder does not or cannot physically present the card for your visual examination at the time that an order is placed and payment effected.
The type of transaction required is specified using the type request field when performing a new payment transaction.
E-Commerce (ECOM)
E-commerce transactions are supported by the Gateway by using a transaction type of 1. They are designed for you to accept payments via a website, such as a shopping cart payment. E-commerce transactions in the EU region MUST use advance fraud detection, such as 3-D Secure V2.
Mail Order/Telephone Order (MOTO)
Mail Order/Telephone Order transactions are supported by the Gateway by using a transaction type of 2. They are designed for you to build your own virtual terminal system to enter remote order details. MOTO transactions cannot use 3-D Secure as the cardholder is not able to perform the challenge.
Your Acquirer may need to enable MOTO capabilities on your main acquiring account, or they provide a separate acquiring account which will be available through its own Gateway Merchant Account.
Continuous Authority (CA)
Continuous Authority transactions are supported by the Gateway by using a transaction type of 9. They are designed for you to make subscription transactions.
The following transaction types are considered as Continuous Authority (CA) Payments :
Instalment Payments: A transaction in a series of transactions that use a stored credential and that represent Consumer agreement for the merchant to initiate one or more future transactions over a period for a single purchase of goods or services. An example of such a transaction is a higher purchase repayment.
Recurring Payments: A transaction in a series of transactions that use a stored credential and that are processed at fixed, regular intervals (not to exceed one year between transactions), representing Consumer agreement for the merchant to initiate future transactions for the purchase of goods or services provided at regular intervals. An example of such a transaction is a gym membership subscription.
Your Acquirer may need to enable Continuous Authority capabilities on your main acquiring account, or they provide a separate acquiring account which will be available through its own Gateway Merchant Account.
The Gateway offers a mean of automating the taking of regular CA transactions using Recurring Transaction Agreements (RTA).
How do I choose between MOTO, ECOM or CA?
If you are building a website facing the cardholder, for example a webshop to sell clothes, attraction tickets, pizzas etc. you should use ECOM (1) as type and if you are in the EU region, 3D-Secure must be used as well. If you are building a backend or a website for the merchant to be able to process card not present transactions, for example orders received over the phone, where the cardholder will dictate the card number to the merchant, then in this case you should use MOTO (2) as a type and the cardholder will be exempt from using 3D-Secure. MOTO (2) should also be used for merchant initiated refunds, for example if a customer calls and wants to get reimbursed for a product. If you are storing cards on file (COF) for recurring payments or a one-off payment you should refer to the credentials on file Matrix to understand if you should use ECOM (1), MOTO (2) or Continuous Authority (9).
Financial Operations Actions
All requests must specify what action they require the Gateway to perform, using the action request field.
SALE
This will create a new transaction and attempt to seek authorisation for a sale from the Acquirer. A successful authorisation will reserve the funds on the Cardholder’s account until the transaction is settled.
The captureDelay field can be used to state whether the transaction should be authorised only and settled at a later date. **For more details on delayed capture, refer to the delayed capture guide. If captureDelay is not used the transaction will be automatically settled at the end of the day.
VERIFY
This will create a new transaction and attempt to verify that the card account exists with the Acquirer. The transaction will result in no transfer of funds and no hold on any funds on the Cardholder’s account. It cannot be captured and will not be settled. The transaction amount must always be zero.
This transaction type is the preferred method for validating that the card account exists and is in good standing; however, it cannot be used to validate that it has sufficient funds.
PREAUTH
This will create a new transaction and attempt to seek authorisation for a sale from the Acquirer. If authorisation is approved, then it is immediately voided (where possible) so that no funds are reserved on the Cardholder’s account. The transaction will result in no transfer of funds. It cannot be captured and will not be settled.
This transaction type can be used to check whether funds are available and that the account is valid. However, due to the problem highlighted below, it is recommended that Merchants use the VERIFY action when supported by their Acquirer.
If the transaction is to be completed then a new authorisation must be sought using the SALE action. If the PREAUTH authorisation could not be successfully voided, then this will result in the funds’ being authorised twice effectively putting two holds on the amount on the Cardholder’s account and thus requiring twice the amount to be available in the Cardholder’s account. It is therefore recommended only to PREAUTH small amounts, such as £1.00 to check mainly account validity.
REFUND_SALE
This will create a new transaction and attempt to seek authorisation for a refund of a previous SALE from the Acquirer. The transaction will then be captured and settled if and when appropriate. It can only be performed on transactions that have been successfully settled. Up until that point, a CANCEL or partial CAPTURE can be used, to refund or partially refund the original SALE transaction. The previous SALE transaction should be specified using the xref field. This may take up to 180 days from the date of the original sale, however different Card Schemes and Acquirers may set shorter time periods.
Partial refunds are allowed by specifying the amount to refund. Any amount must not be greater than the original received amount minus any already refunded amount. Multiple partial refunds may be made while there is still a portion of the originally received amount un-refunded.
The captureDelay field can be used to state whether the transaction should be authorised only and settled at a later date. **For more details on delayed capture, refer to the delayed capture guide. If captureDelay is not used the transaction will be automatically settled at the end of the day.
REFUND
This will create a new transaction and attempt to seek authorisation for a refund from the Acquirer. The transaction will then be captured and settled if and when appropriate. This is an independent refund and need not be related to any previous SALE. The amount is therefore not limited by any original received amount.
The captureDelay field can be used to state whether the transaction should be authorised only and settled at a later date. **For more details on delayed capture, refer to the delayed capture guide. If captureDelay is not used the transaction will be automatically settled at the end of the day.
Transaction Request
| Name | Mandatory | Description |
|---|---|---|
| merchantID | Yes | Your Gateway Merchant Account ID. |
| merchantPwd | No | Any password used for an added security layer |
| signature | Yes | Hash used to sign this request. See signature calculation for information on how to create the hash. A signature maybe mandatory on some Merchant Accounts and requests. |
| action | Yes | Possible values are: PREAUTH, VERIFY, SALE, REFUND, REFUND_SALE. If a REFUND_SALE action is used, then the request must not attempt to change the payment details, or it will fail with a responseCode of 65542 (REQUEST MISMATCH) because the refund must be made to the original card. |
| amount | Yes | The amount of the transaction. Either major currency units by providing a value that includes a single decimal point such as ’10.99’; or in minor currency units by providing a value that contains no decimal points such as ‘1099’. Optional if an xref is provided as the value will be taken from the cross-referenced transaction. |
| Type | Yes | The type of transaction. Possible values are: 1 – E-commerce (ECOM) 2 - Mail Order/Telephone Order (MOTO) 9 – Continuous Authority (CA) Optional if an xref is provided as the value will be taken from the cross-referenced transaction. |
| countryCode | Yes | Merchant's location. Either the ISO-3166-1 2-letter, 3-letter or 3-digit code. Optional if an xref is provided as the value will be taken from the cross-referenced transaction. |
| currencyCode | Yes | Transaction currency. Either the ISO-4217 3-letter or 3-digit code. Optional if an xref is provided as the value will be taken from the cross-referenced transaction. |
| paymentMethod | No | The payment method required. For card payments either omit this field or use the value card. |
| cardNumber | Yes | The primary account number (PAN) as printed on the front of the payment card. Digits and spaces only. Optional if an xref is provided as the value will be taken from the cross-referenced transaction. |
| cardExpiryMonth | Yes | Payment card’s expiry month from 1 to 12. Optional if an xref is provided as the value will be taken from the cross-referenced transaction. |
| cardExpiryYear | Yes | Payment card’s expiry year from 00 to 99. Optional if an xref is provided as the value will be taken from the cross-referenced transaction. |
| cardExpiryDate | No | Payment card’s expiry date in MMYY format as an alternative to sending a separate cardExpiryMonth and cardExpiryYear.Optional if an xref is provided as the value will be taken from the cross-referenced transaction. |
| cardCVV | Yes | Payment card’s security number. The 3-digit number printed on the signature strip. Optional if an xref is provided as the value will be taken from the cross-referenced transaction. |
| transactionUnique | No | You can supply a unique identifier for this transaction. This is an added security feature to combat transaction spoofing. Optional if an xref is provided as the value will be taken from the cross-referenced transaction. |
| orderRef | No | Free format text field to store order details, reference numbers, etc. for the Merchant’s records. Optional if an xref is provided as the value will be taken from the cross-referenced transaction. |
| orderDate | No | Optional date to record with the transaction. |
| captureDelay | No | Number of days to wait between authorisation of a payment and subsequent settlement. refer to the delayed capture guide. |
| xref | No | Reference to a previous transaction. refer to payment tokenisation Mandatory for a REFUND_SALE request to specify the original SALE transaction. |
| redirectURL | No | URL to which the hosted form will redirect the Customer’s browser after the transaction has been completed. The URL must be fully qualified and include at least the scheme and host components. Refer to the redirect URL docs for details. |
| callbackURL | No | URL which will receive a copy of the transaction result by POST. The URL must be fully qualified and include at least the scheme and host components. Refer to the callback URL docs for details. |
| remoteAdress | No | IP address of client making the transaction. This should be provided where possible to aid fraud prevention. |
| rtAgreementType | No | Agreement between Merchant and Cardholder for the storage of, or subsequent use of, payment details. refer to the Credentials on File section. Mandatory for recurring transactions or other transactions using stored credentials. |
Transaction Response
The response will contain all the fields sent in the request (minus any cardNumber and cardCVV) plus the following:
| Name | Returned | Description |
|---|---|---|
| responseCode | Always | A numeric code providing the specific outcome. Common values are: 0 - Successful / authorised transaction. 1 - Card referred – Refer to card issuer. 2 - Card referred – Special condition. 4 - Card declined – Keep card. 5 - Card declined. Check responseMessage for more details of any error that occurred. Refer to Response Codes for details. |
| responseStatus | Always | A numeric code providing the outcome category. Possible values are: 0 – Authorisation Approved / No reason to decline 1 – Authorisation Declined. 2 – Authorisation Error / Transaction malformed. |
| responseMessage | Always | Message received from the Acquiring bank, or any error message. |
| transactionID | Always | A unique ID assigned by the Gateway. |
| xref | Always | You may store the cross reference for repeat transactions. Refer to payment tokenisation. |
| state | Always | Transaction state. |
| timestamp | Always | Time the transaction was created or last modified. |
| transactionUnique | If supplied | Any value supplied in the initial request. |
| authorisationCode | On success | Authorisation code received from Acquirer. |
| referralPhone | If provided | Telephone number supplied by Acquirer to phone for voice authorisation when provided. |
| amountReceived | On success | Amount the Acquirer authorised. This should always be the full amount requested. |
| amountRefunded | If refund | Total amount of original SALE that has so far been refunded. Returned when action is REFUND_SALE. |
| orderRef | If supplied | Any value supplied in the initial request. |
| cardNumberMask | Always | Card number masked for Merchant storage. |
| cardTypeCode | Always | Code identifying the type of card used. Refer to the Card Identification guide. |
| cardType | Always | Description of the type of card used. Refer to the Card Identification guide. |
| cardSchemeCode | Always | Code identifying the Card Scheme used. Refer to the Card Identification guide. |
| cardScheme | Always | Description of the Card Scheme used. Refer to the Card Identification guide. |
| cardIssuer | Always | Card Issuer name (when known). |
| cardIssuerCountry | Always | Card issuing country’s name (when known). |
| cardIssuerCountryCode | Always | Card issuing country’s ISO-3166 2-letter code (when known). |
Undocumented fields may be returned at the Gateways discretion but should not be relied upon. The acquirerResponseXXXX fields are dependent on the Acquirer in use and are supplied for additional information only. The response is also POSTed to any URL provided by optional callbackURL.
Management Operations
You can perform a management action on an existing transaction, such as a capture or cancellation, by sending a request with the required action together with the cross reference for the transaction to act on.
CAPTURE
This will capture an existing transaction, identified using the xref request field, making it available for settlement at the next available opportunity. It can only be performed on transactions that have been authorised but not yet captured. An amount to capture may be specified but must not exceed the original amount authorised. This may take up to 30 days from the date of authorisation, however different Card Schemes and Acquirers may set shorter time periods.
The original transaction must have been submitted with a captureDelay value that prevented immediate capture and settlement leaving the transaction in an authorised but un-captured state. **For more details on delayed capture, refer to the delayed capture guide.
CANCEL
This will cancel an existing transaction, identified using the xref request field, preventing it from being settled. It can only be performed on transactions, which have been authorised but not yet settled, and it is not reversible. Depending on the Acquirer it may not reverse the authorisation and release any reserved funds on the Cardholder’s account. In such cases authorisation will be left to expire as normal, releasing the reserved funds. This may take up to 30 days from the date of authorisation, however different Card Schemes and Acquirers may set shorter time periods.
QUERY
This will query an existing transaction, identified using the xref request field, returning the original response. This is a simple transaction lookup action.
Transaction Request
| Name | Mandatory | Description |
|---|---|---|
| merchantID | Yes | Your Gateway Merchant Account ID. |
| merchantPwd | No | Any password used for an added security layer. |
| signature | Yes | Hash used to sign this request. See signature calculation for information on how to create the hash. A signature maybe mandatory on some Merchant Accounts and requests. |
| action | Yes | Possible values are: AUTHORISE (PAYPAL, AMAZON PAY etc.), CAPTURE, CANCEL, QUERY |
| xref | Yes | Reference to a previous transaction. refer to payment tokenisation. |
| amount | No | The amount to capture or refund. Mandatory for partial refunds or partial captures. |
| callbackURL | No | URL which will receive a copy of the transaction result by POST. The URL must be fully qualified and include at least the scheme and host components. Refer to the callback URL docs for details. |
Transaction Response
Apart from the fields below, the response will be the same as for a regular financial operation and will contain the details of the existing transaction.
| Name | Returned | Description |
|---|---|---|
| responseCode | Always | A numeric code providing the specific outcome. Check responseMessage for more details of any error that occurred. Refer to Response Codes for details. |
| responseStatus | Always | A numeric code providing the outcome category. Possible values are: 0 – Authorisation Approved / No reason to decline 1 – Authorisation Declined. 2 – Authorisation Error / Transaction malformed. |
| responseMessage | Always | Description of the above response code. |
| action | Always | The requested action and original action separated by a colon. For example, CANCEL:SALE |
Undocumented fields may be returned at the Gateways discretion but should not be relied upon.
The response is also POSTed to any URL provided by optional callbackURL.