# WS API examples of Mastercard and Visa
source: https://developer.mastercard.com/mastercard-gateway/documentation/gateway-features/trans-enrich-data/cardholder-present-data/transit/aggtrn-transit-rules-nam/wsapi-visa-mastercard-examples/index.md

### Aggregated transit fare with point-to-point encryption {#aggregated-transit-fare-with-point-to-point-encryption}

### Verify {#verify}

```json
{
  "apiOperation": "VERIFY",
  "order": {
    "currency": "USD"
  },
  "sourceOfFunds": {
    "provided": {
      "card": {
        "emvRequest": {
          "5F2A": "826",
          "82": "0000",
          "84": "010101010101",
          "95": "0000000000",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000001099",
          "9F03": "000000000000",
          "9F06": "010101010101",
          "9F07": "0101",
          "9F09": "0101",
          "9F10": "06011103A000000A0100000000000BB0ABAD",
          "9F1A": "826",
          "9F1E": "0123ABCD",
          "9F26": "D1F722D47FCA8273",
          "9F27": "40",
          "9F33": "E0B8C8",
          "9F34": "1E0300",
          "9F35": "12",
          "9F36": "0002",
          "9F37": "2A4E1690",
          "9F41": "0123",
          "9F53": "A",
          "9F6E": "0101"
        },
        "expiry": {
          "month": "01",
          "year": "39"
        },
        "number": "5123456789012346"
      }
    },
    "type": "CARD"
  },
  "transaction": {
    "source": "CARD_PRESENT"
  },
  "posTerminal": {
    "address": {
      "country": "AUS"
    },
    "attended": "UNATTENDED",
    "cardholderActivated": "SELF_SERVICE_TERMINAL",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "CBAS2I02",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "PIN_NOT_SUPPORTED"
  }
}
```

```json
{
  "authorizationResponse": {
    "transactionIdentifier": "825894572"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 0.00,
    "chargeback": {
      "amount": 0,
      "currency": "USD"
    },
    "creationTime": "2025-04-09T06:14:51.742Z",
    "currency": "USD",
    "id": "AKS_716482252",
    "lastUpdatedTime": "2025-04-09T06:14:51.932Z",
    "merchantAmount": 0.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "USD",
    "status": "VERIFIED",
    "totalAuthorizedAmount": 0.00,
    "totalCapturedAmount": 0.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "posTerminal": {
    "address": {
      "country": "AUS"
    },
    "attended": "UNATTENDED",
    "cardholderActivated": "SELF_SERVICE_TERMINAL",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "CBAS2I02",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "PIN_NOT_SUPPORTED",
    "serialNumber": "0123ABCD"
  },
  "response": {
    "acquirerCode": "00",
    "gatewayCode": "APPROVED"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "emvRequest": {
          "5F2A": "826",
          "82": "0000",
          "84": "010101010101",
          "95": "0000000000",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000001099",
          "9F03": "000000000000",
          "9F06": "010101010101",
          "9F07": "0101",
          "9F09": "0101",
          "9F10": "06011103A000000A0100000000000BB0ABAD",
          "9F1A": "826",
          "9F1E": "0123ABCD",
          "9F26": "D1F722D47FCA8273",
          "9F27": "40",
          "9F33": "E0B8C8",
          "9F34": "1E0300",
          "9F35": "12",
          "9F36": "0002",
          "9F37": "2A4E1690",
          "9F41": "0123",
          "9F53": "A",
          "9F6E": "0101"
        },
        "expiry": {
          "month": "1",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "number": "512345xxxxxx2346",
        "paymentAccountReference": "1234567890123456TC020MDESDE56",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-09T06:14:51.932Z",
  "timeOfRecord": "2025-04-09T06:14:51.817Z",
  "transaction": {
    "acquirer": {
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808"
    },
    "amount": 0.00,
    "currency": "USD",
    "id": "AKS_955011777",
    "receipt": "509906127124",
    "source": "CARD_PRESENT",
    "stan": "127124",
    "terminal": "0002",
    "type": "VERIFICATION"
  },
  "version": "100"
}
```

### Authorize {#authorize}

```json
{
  "apiOperation": "AUTHORIZE",
  "order": {
    "amount": "7",
    "currency": "USD"
  },
  "sourceOfFunds": {
    "provided": {
      "card": {
        "emvRequest": {
          "5F2A": "826",
          "82": "0000",
          "84": "010101010101",
          "95": "0000000000",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000001099",
          "9F03": "000000000000",
          "9F06": "010101010101",
          "9F07": "0101",
          "9F09": "0101",
          "9F10": "06011103A000000A0100000000000BB0ABAD",
          "9F1A": "826",
          "9F1E": "0123ABCD",
          "9F26": "D1F722D47FCA8273",
          "9F27": "40",
          "9F33": "E0B8C8",
          "9F34": "1E0300",
          "9F35": "12",
          "9F36": "0002",
          "9F37": "2A4E1690",
          "9F41": "0123",
          "9F53": "A",
          "9F6E": "0101"
        },
        "expiry": {
          "month": "01",
          "year": "39"
        },
        "number": "5123456789012346"
      }
    },
    "type": "CARD"
  },
  "transaction": {
    "source": "CARD_PRESENT",
    "transit": {
      "aggregatedFare": {
        "type": "FARE",
        "aggregationStartDate": "2024-05-14",
        "transportationMode": "TRAIN"
      }
    }
  },
  "posTerminal": {
    "address": {
      "country": "AUS"
    },
    "attended": "UNATTENDED",
    "cardholderActivated": "SELF_SERVICE_TERMINAL",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "CBAS2I02",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "PIN_NOT_SUPPORTED"
  }
}
```

```json
{
  "authorizationResponse": {
    "commercialCard": "123",
    "commercialCardIndicator": "1",
    "date": "0409",
    "financialNetworkCode": "MCC",
    "posData": "1000004002300",
    "posEntryMode": "072",
    "processingCode": "003000",
    "responseCode": "00",
    "stan": "128164",
    "time": "061734",
    "transactionIdentifier": "794480394",
    "transactionIntegrityClass": "A1"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 7.00,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "certainty": "FINAL",
    "chargeback": {
      "amount": 0,
      "currency": "USD"
    },
    "creationTime": "2025-04-09T06:17:33.964Z",
    "currency": "USD",
    "id": "AKS_990316764",
    "lastUpdatedTime": "2025-04-09T06:17:34.191Z",
    "merchantAmount": 7.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "USD",
    "status": "AUTHORIZED",
    "totalAuthorizedAmount": 7.00,
    "totalCapturedAmount": 0.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "posTerminal": {
    "address": {
      "country": "AUS"
    },
    "attended": "UNATTENDED",
    "cardholderActivated": "SELF_SERVICE_TERMINAL",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "CBAS2I02",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "PIN_NOT_SUPPORTED",
    "serialNumber": "0123ABCD"
  },
  "response": {
    "acquirerCode": "00",
    "acquirerMessage": "Approved",
    "gatewayCode": "APPROVED",
    "gatewayRecommendation": "NO_ACTION"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "emvRequest": {
          "5F2A": "826",
          "82": "0000",
          "84": "010101010101",
          "95": "0000000000",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000001099",
          "9F03": "000000000000",
          "9F06": "010101010101",
          "9F07": "0101",
          "9F09": "0101",
          "9F10": "06011103A000000A0100000000000BB0ABAD",
          "9F1A": "826",
          "9F1E": "0123ABCD",
          "9F26": "D1F722D47FCA8273",
          "9F27": "40",
          "9F33": "E0B8C8",
          "9F34": "1E0300",
          "9F35": "12",
          "9F36": "0002",
          "9F37": "2A4E1690",
          "9F41": "0123",
          "9F53": "A",
          "9F6E": "0101"
        },
        "emvResponse": {
          "72": "9F180408041215860E04DA9F5809030691D72E6F027DC6",
          "91": "B7D5309D4B3E6CDB3030"
        },
        "expiry": {
          "month": "1",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "number": "512345xxxxxx2346",
        "paymentAccountReference": "1234567890123456TC020MDESDE56",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-09T06:17:34.191Z",
  "timeOfRecord": "2025-04-09T06:17:34.040Z",
  "transaction": {
    "acquirer": {
      "batch": 20250409,
      "date": "0409",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "transactionId": "794480394"
    },
    "amount": 7.00,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "authorizationCode": "112233",
    "currency": "USD",
    "id": "AKS_478310073",
    "receipt": "509906128164",
    "source": "CARD_PRESENT",
    "stan": "128164",
    "terminal": "0002",
    "transit": {
      "aggregatedFare": {
        "aggregationStartDate": "2024-05-14",
        "transportationMode": "TRAIN",
        "type": "FARE"
      }
    },
    "type": "AUTHORIZATION"
  },
  "version": "100"
}
```

### Capture {#capture}

```json
{
  "apiOperation": "CAPTURE",
  "transaction": {
    "amount": "10",
    "currency": "USD"
  }
} 
```

```json
{
  "authorizationResponse": {
    "commercialCard": "123",
    "commercialCardIndicator": "1",
    "date": "0409",
    "financialNetworkCode": "MCC",
    "posData": "1000004002300",
    "posEntryMode": "072",
    "processingCode": "003000",
    "responseCode": "00",
    "stan": "128164",
    "time": "061734",
    "transactionIdentifier": "794480394",
    "transactionIntegrityClass": "A1"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 7.00,
    "certainty": "FINAL",
    "chargeback": {
      "amount": 0,
      "currency": "USD"
    },
    "creationTime": "2025-04-09T06:17:33.964Z",
    "currency": "USD",
    "id": "AKS_990316764",
    "lastUpdatedTime": "2025-04-09T06:19:41.049Z",
    "merchantAmount": 7.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "USD",
    "status": "CAPTURED",
    "totalAuthorizedAmount": 7.00,
    "totalCapturedAmount": 10.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "posTerminal": {
    "address": {
      "country": "AUS"
    },
    "attended": "UNATTENDED",
    "cardholderActivated": "SELF_SERVICE_TERMINAL",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "CBAS2I02",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "PIN_NOT_SUPPORTED",
    "serialNumber": "0123ABCD"
  },
  "response": {
    "acquirerCode": "00",
    "acquirerMessage": "Approved",
    "gatewayCode": "APPROVED"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "expiry": {
          "month": "1",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "number": "512345xxxxxx2346",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-09T06:19:41.049Z",
  "timeOfRecord": "2025-04-09T06:19:41.002Z",
  "transaction": {
    "acquirer": {
      "batch": 20250409,
      "date": "0409",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "settlementDate": "2025-04-09",
      "timeZone": "+1000",
      "transactionId": "794480394"
    },
    "amount": 10.00,
    "authorizationCode": "112233",
    "currency": "USD",
    "id": "AKS_184400968",
    "receipt": "509906128164",
    "source": "CARD_PRESENT",
    "stan": "129204",
    "terminal": "0002",
    "transit": {
      "aggregatedFare": {
        "aggregationStartDate": "2024-05-14",
        "transportationMode": "TRAIN",
        "type": "FARE"
      }
    },
    "type": "CAPTURE"
  },
  "version": "100"
}
```

### First Ride Risk {#first-ride-risk}

#### Authorize {#authorize-1}

```json
{
  "apiOperation": "AUTHORIZE",
  "order": {
    "amount": 11.25,
    "currency": "USD",
    "certainty": "FINAL"
  },
  "sourceOfFunds": {
    "provided": {
      "card": {
        "emvRequest": {
          "5A": "5555555555554444",
          "5F2A": "826",
          "82": "0000",
          "84": "010101010101",
          "95": "0000000000",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000001099",
          "9F03": "000000000000",
          "9F06": "010101010101",
          "9F07": "0101",
          "9F09": "0101",
          "9F10": "06011103A000000A0100000000000BB0ABAD",
          "9F1A": "826",
          "9F1E": "0123ABCD",
          "9F26": "D1F722D47FCA8273",
          "9F27": "40",
          "9F33": "E0B8C8",
          "9F34": "1E0300",
          "9F35": "12",
          "9F36": "0002",
          "9F37": "2A4E1690",
          "9F41": "0123",
          "9F53": "A",
          "9F6E": "0101"
        },
        "expiry": {
          "month": "12",
          "year": "24"
        },
        "number": "5555555555554444"
      }
    },
    "type": "CARD"
  },
  "transaction": {
    "source": "CARD_PRESENT",
    "transit": {
      "knownFare": {
        "type": "FARE_DEFERRED_AUTHORIZATION",
        "transportationMode": "TRAIN"
      }
    }
  },
  "posTerminal": {
    "attended": "UNATTENDED",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "panEntryMode": "CONTACTLESS",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "street1",
    "pinEntryCapability": "PIN_NOT_SUPPORTED"
  }
}   
```

```json
{
  "authorizationResponse": {
    "date": "0409",
    "financialNetworkCode": "MCC",
    "posData": "1000004000300",
    "posEntryMode": "072",
    "processingCode": "003000",
    "responseCode": "51",
    "stan": "10560",
    "time": "113934",
    "transactionIdentifier": "953089271"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 11.25,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "certainty": "FINAL",
    "chargeback": {
      "amount": 0,
      "currency": "USD"
    },
    "creationTime": "2025-04-09T11:39:34.664Z",
    "currency": "USD",
    "id": "A_9",
    "lastUpdatedTime": "2025-04-09T11:39:34.938Z",
    "merchantAmount": 11.25,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "USD",
    "status": "FAILED",
    "totalAuthorizedAmount": 0.00,
    "totalCapturedAmount": 0.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "posTerminal": {
    "address": {
      "country": "GBR"
    },
    "attended": "UNATTENDED",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "street1",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "PIN_NOT_SUPPORTED",
    "serialNumber": "0123ABCD"
  },
  "response": {
    "acquirerCode": "51",
    "acquirerMessage": "Not sufficient funds",
    "gatewayCode": "INSUFFICIENT_FUNDS",
    "gatewayRecommendation": "RESUBMIT_WITH_ALTERNATIVE_PAYMENT_DETAILS"
  },
  "result": "FAILURE",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "emvRequest": {
          "5F2A": "826",
          "82": "0000",
          "84": "010101010101",
          "95": "0000000000",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000001099",
          "9F03": "000000000000",
          "9F06": "010101010101",
          "9F07": "0101",
          "9F09": "0101",
          "9F10": "06011103A000000A0100000000000BB0ABAD",
          "9F1A": "826",
          "9F1E": "0123ABCD",
          "9F26": "D1F722D47FCA8273",
          "9F27": "40",
          "9F33": "E0B8C8",
          "9F34": "1E0300",
          "9F35": "12",
          "9F36": "0002",
          "9F37": "2A4E1690",
          "9F41": "0123",
          "9F53": "A",
          "9F6E": "0101"
        },
        "emvResponse": {
          "72": "9F180408041215860E04DA9F5809030691D72E6F027DC6",
          "91": "B7D5309D4B3E6CDB3030"
        },
        "expiry": {
          "month": "12",
          "year": "24"
        },
        "fundingMethod": "DEBIT",
        "number": "555555xxxxxx4444",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-09T11:39:34.938Z",
  "timeOfRecord": "2025-04-09T11:39:34.735Z",
  "transaction": {
    "acquirer": {
      "batch": 20250409,
      "date": "0409",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "transactionId": "953089271"
    },
    "amount": 11.25,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "currency": "USD",
    "id": "A_10",
    "receipt": "509911010560",
    "source": "CARD_PRESENT",
    "stan": "10560",
    "terminal": "0001",
    "transit": {
      "knownFare": {
        "transportationMode": "TRAIN",
        "type": "FARE_DEFERRED_AUTHORIZATION"
      }
    },
    "type": "AUTHORIZATION"
  },
  "version": "100"
}
```

### Capture {#capture-1}

```json
{
  "apiOperation": "CAPTURE",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "emvRequest": {
          "5A": "5555555555554444",
          "5F2A": "826",
          "82": "0000",
          "84": "010101010101",
          "95": "0000000000",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000001099",
          "9F03": "000000000000",
          "9F06": "010101010101",
          "9F07": "0101",
          "9F09": "0101",
          "9F10": "06011103A000000A0100000000000BB0ABAD",
          "9F1A": "826",
          "9F1E": "0123ABCD",
          "9F26": "D1F722D47FCA8273",
          "9F27": "40",
          "9F33": "E0B8C8",
          "9F34": "1E0300",
          "9F35": "12",
          "9F36": "0002",
          "9F37": "2A4E1690",
          "9F41": "0123",
          "9F53": "A",
          "9F6E": "0101"
        },
        "expiry": {
          "month": "12",
          "year": "24"
        },
        "number": "5555555555554444"
      }
    },
    "type": "CARD"
  },
  "transaction": {
    "authorizationCode": "VFT000",
    "amount": 7,
    "currency": "USD",
    "source": "CARD_PRESENT",
    "transit": {
      "aggregatedFare": {
        "type": "FIRST_RIDE_RISK",
        "aggregationStartDate": "2024-05-14",
        "transportationMode": "TRAIN"
      }
    }
  },
  "posTerminal": {
    "attended": "UNATTENDED",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "cardholderActivated": "SELF_SERVICE_TERMINAL",
    "panEntryMode": "CONTACTLESS",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "street1",
    "pinEntryCapability": "PIN_NOT_SUPPORTED"
  },
  "authorizationResponse": {
    "transactionIdentifier": "829343904324606",
    "returnAci": "Y"
  }
}
```

```json
{
  "authorizationResponse": {
    "date": "1021",
    "processingCode": "003000",
    "responseCode": "00",
    "returnAci": "Y",
    "stan": "1191",
    "transactionIdentifier": "829343904324606"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 7.00,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "chargeback": {
      "amount": 0,
      "currency": "USD"
    },
    "creationTime": "2025-04-09T11:42:44.987Z",
    "currency": "USD",
    "id": "A_12",
    "lastUpdatedTime": "2025-04-09T11:42:45.221Z",
    "merchantAmount": 7.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "USD",
    "status": "CAPTURED",
    "totalAuthorizedAmount": 7.00,
    "totalCapturedAmount": 7.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "posTerminal": {
    "address": {
      "country": "GBR"
    },
    "attended": "UNATTENDED",
    "cardholderActivated": "SELF_SERVICE_TERMINAL",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "street1",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "PIN_NOT_SUPPORTED",
    "serialNumber": "0123ABCD"
  },
  "response": {
    "acquirerCode": "00",
    "acquirerMessage": "Approved",
    "gatewayCode": "APPROVED"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "emvRequest": {
          "5F2A": "826",
          "82": "0000",
          "84": "010101010101",
          "95": "0000000000",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000001099",
          "9F03": "000000000000",
          "9F06": "010101010101",
          "9F07": "0101",
          "9F09": "0101",
          "9F10": "06011103A000000A0100000000000BB0ABAD",
          "9F1A": "826",
          "9F1E": "0123ABCD",
          "9F26": "D1F722D47FCA8273",
          "9F27": "40",
          "9F33": "E0B8C8",
          "9F34": "1E0300",
          "9F35": "12",
          "9F36": "0002",
          "9F37": "2A4E1690",
          "9F41": "0123",
          "9F53": "A",
          "9F6E": "0101"
        },
        "expiry": {
          "month": "12",
          "year": "24"
        },
        "fundingMethod": "DEBIT",
        "number": "555555xxxxxx4444",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-09T11:42:45.221Z",
  "timeOfRecord": "2025-04-09T11:42:45.020Z",
  "transaction": {
    "acquirer": {
      "batch": 20250409,
      "date": "0409",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "settlementDate": "2025-04-09",
      "timeZone": "+1000"
    },
    "amount": 7.00,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "currency": "USD",
    "id": "A_11",
    "receipt": "509911001191",
    "source": "CARD_PRESENT",
    "stan": "1191",
    "terminal": "0002",
    "transit": {
      "aggregatedFare": {
        "aggregationStartDate": "2024-05-14",
        "transportationMode": "TRAIN",
        "type": "FIRST_RIDE_RISK"
      }
    },
    "type": "CAPTURE"
  },
  "version": "100"
}
```

### Tap initiated debt recovery {#tap-initiated-debt-recovery}

#### Authorize {#authorize-2}

```json
{
  "apiOperation": "AUTHORIZE",
  "order": {
    "amount": 100,
    "currency": "USD"
  },
  "sourceOfFunds": {
    "provided": {
      "card": {
        "emvRequest": {
          "5A": "5555555555554444",
          "5F2A": "826",
          "82": "0000",
          "84": "010101010101",
          "95": "0000000000",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000001099",
          "9F03": "000000000000",
          "9F06": "010101010101",
          "9F07": "0101",
          "9F09": "0101",
          "9F10": "06011103A000000A0100000000000BB0ABAD",
          "9F1A": "826",
          "9F1E": "0123ABCD",
          "9F26": "D1F722D47FCA8273",
          "9F27": "40",
          "9F33": "E0B8C8",
          "9F34": "1E0300",
          "9F35": "12",
          "9F36": "0002",
          "9F37": "2A4E1690",
          "9F41": "0123",
          "9F53": "A",
          "9F6E": "0101"
        },
        "expiry": {
          "month": "12",
          "year": "24"
        },
        "number": "5555555555554444"
      }
    },
    "type": "CARD"
  },
  "transaction": {
    "source": "CARD_PRESENT",
    "transit": {
      "knownFare": {
        "type": "DEBT_RECOVERY_TAP_INITIATED",
        "transportationMode": "TRAIN"
      }
    }
  },
  "posTerminal": {
    "attended": "UNATTENDED",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "panEntryMode": "CONTACTLESS",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "street1",
    "pinEntryCapability": "PIN_NOT_SUPPORTED"
  }
}
```

```json
{
  "authorizationResponse": {
    "commercialCard": "123",
    "commercialCardIndicator": "1",
    "date": "0410",
    "financialNetworkCode": "MCC",
    "posData": "1000004000300",
    "posEntryMode": "072",
    "processingCode": "003000",
    "responseCode": "00",
    "stan": "20120",
    "time": "085656",
    "transactionIdentifier": "983484593",
    "transactionIntegrityClass": "A1"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100.00,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "certainty": "FINAL",
    "chargeback": {
      "amount": 0,
      "currency": "USD"
    },
    "creationTime": "2025-04-10T08:56:56.804Z",
    "currency": "USD",
    "id": "A_14",
    "lastUpdatedTime": "2025-04-10T08:56:56.989Z",
    "merchantAmount": 100.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "USD",
    "status": "AUTHORIZED",
    "totalAuthorizedAmount": 100.00,
    "totalCapturedAmount": 0.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "posTerminal": {
    "address": {
      "country": "GBR"
    },
    "attended": "UNATTENDED",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "street1",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "PIN_NOT_SUPPORTED",
    "serialNumber": "0123ABCD"
  },
  "response": {
    "acquirerCode": "00",
    "acquirerMessage": "Approved",
    "gatewayCode": "APPROVED",
    "gatewayRecommendation": "NO_ACTION"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "emvRequest": {
          "5F2A": "826",
          "82": "0000",
          "84": "010101010101",
          "95": "0000000000",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000001099",
          "9F03": "000000000000",
          "9F06": "010101010101",
          "9F07": "0101",
          "9F09": "0101",
          "9F10": "06011103A000000A0100000000000BB0ABAD",
          "9F1A": "826",
          "9F1E": "0123ABCD",
          "9F26": "D1F722D47FCA8273",
          "9F27": "40",
          "9F33": "E0B8C8",
          "9F34": "1E0300",
          "9F35": "12",
          "9F36": "0002",
          "9F37": "2A4E1690",
          "9F41": "0123",
          "9F53": "A",
          "9F6E": "0101"
        },
        "emvResponse": {
          "72": "9F180408041215860E04DA9F5809030691D72E6F027DC6",
          "91": "B7D5309D4B3E6CDB3030"
        },
        "expiry": {
          "month": "12",
          "year": "24"
        },
        "fundingMethod": "DEBIT",
        "number": "555555xxxxxx4444",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-10T08:56:56.989Z",
  "timeOfRecord": "2025-04-10T08:56:56.838Z",
  "transaction": {
    "acquirer": {
      "batch": 20250410,
      "date": "0410",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "transactionId": "983484593"
    },
    "amount": 100.00,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "authorizationCode": "112233",
    "currency": "USD",
    "id": "A_15",
    "receipt": "510008020120",
    "source": "CARD_PRESENT",
    "stan": "20120",
    "terminal": "0001",
    "transit": {
      "knownFare": {
        "type": "DEBT_RECOVERY_TAP_INITIATED"
      }
    },
    "type": "AUTHORIZATION"
  },
  "version": "100"
}
```

#### Capture {#capture-2}

```json
{
  "apiOperation": "CAPTURE",
  "transaction": {
    "amount": "50",
    "currency": "USD"
  }
}
```

```json
{
  "authorizationResponse": {
    "commercialCard": "123",
    "commercialCardIndicator": "1",
    "date": "0410",
    "financialNetworkCode": "MCC",
    "posData": "1000004000300",
    "posEntryMode": "072",
    "processingCode": "003000",
    "responseCode": "00",
    "stan": "20120",
    "time": "085656",
    "transactionIdentifier": "983484593",
    "transactionIntegrityClass": "A1"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100.00,
    "certainty": "FINAL",
    "chargeback": {
      "amount": 0,
      "currency": "USD"
    },
    "creationTime": "2025-04-10T08:56:56.804Z",
    "currency": "USD",
    "id": "A_14",
    "lastUpdatedTime": "2025-04-10T08:58:37.142Z",
    "merchantAmount": 100.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "USD",
    "status": "PARTIALLY_CAPTURED",
    "totalAuthorizedAmount": 100.00,
    "totalCapturedAmount": 50.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "posTerminal": {
    "address": {
      "country": "GBR"
    },
    "attended": "UNATTENDED",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "street1",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "PIN_NOT_SUPPORTED",
    "serialNumber": "0123ABCD"
  },
  "response": {
    "acquirerCode": "00",
    "acquirerMessage": "Approved",
    "gatewayCode": "APPROVED"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "expiry": {
          "month": "12",
          "year": "24"
        },
        "fundingMethod": "DEBIT",
        "number": "555555xxxxxx4444",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-10T08:58:37.142Z",
  "timeOfRecord": "2025-04-10T08:58:37.042Z",
  "transaction": {
    "acquirer": {
      "batch": 20250410,
      "date": "0410",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "settlementDate": "2025-04-10",
      "timeZone": "+1000",
      "transactionId": "983484593"
    },
    "amount": 50.00,
    "authorizationCode": "112233",
    "currency": "USD",
    "id": "A_17",
    "receipt": "510008020120",
    "source": "CARD_PRESENT",
    "stan": "21170",
    "terminal": "0002",
    "transit": {
      "knownFare": {
        "type": "DEBT_RECOVERY_TAP_INITIATED"
      }
    },
    "type": "CAPTURE"
  },
  "version": "100"
}
```

### Merchant initiated debt recovery {#merchant-initiated-debt-recovery}

#### Authorize {#authorize-3}

```json
{
  "apiOperation": "AUTHORIZE",
  "order": {
    "amount": 100,
    "currency": "USD"
  },
  "sourceOfFunds": {
    "provided": {
      "card": {
        "expiry": {
          "month": "12",
          "year": "24"
        },
        "number": "5555555555554444"
      }
    },
    "type": "CARD"
  },
  "transaction": {
    "source": "MERCHANT",
    "transit": {
      "knownFare": {
        "type": "DEBT_RECOVERY_MERCHANT_INITIATED",
        "transportationMode": "TRAIN"
      }
    }
  }
}
```

```json
{
  "authorizationResponse": {
    "commercialCard": "123",
    "commercialCardIndicator": "1",
    "date": "0410",
    "financialNetworkCode": "MCC",
    "posData": "2034104000000",
    "posEntryMode": "012",
    "processingCode": "003000",
    "responseCode": "00",
    "stan": "11592",
    "time": "090204",
    "transactionIdentifier": "411168519",
    "transactionIntegrityClass": "A1"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100.00,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "certainty": "FINAL",
    "chargeback": {
      "amount": 0,
      "currency": "USD"
    },
    "creationTime": "2025-04-10T09:02:03.847Z",
    "currency": "USD",
    "id": "A_18",
    "lastUpdatedTime": "2025-04-10T09:02:04.157Z",
    "merchantAmount": 100.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "USD",
    "status": "AUTHORIZED",
    "totalAuthorizedAmount": 100.00,
    "totalCapturedAmount": 0.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "response": {
    "acquirerCode": "00",
    "acquirerMessage": "Approved",
    "gatewayCode": "APPROVED",
    "gatewayRecommendation": "NO_ACTION"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "expiry": {
          "month": "12",
          "year": "24"
        },
        "fundingMethod": "DEBIT",
        "number": "555555xxxxxx4444",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-10T09:02:04.157Z",
  "timeOfRecord": "2025-04-10T09:02:03.884Z",
  "transaction": {
    "acquirer": {
      "batch": 20250410,
      "date": "0410",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "transactionId": "411168519"
    },
    "amount": 100.00,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "authorizationCode": "112233",
    "currency": "USD",
    "id": "A_19",
    "receipt": "510009011592",
    "source": "MERCHANT",
    "stan": "11592",
    "terminal": "0001",
    "transit": {
      "knownFare": {
        "type": "DEBT_RECOVERY_MERCHANT_INITIATED"
      }
    },
    "type": "AUTHORIZATION"
  },
  "version": "100"
}
```

#### Capture {#capture-3}

```json
{
  "apiOperation": "CAPTURE",
  "transaction": {
    "amount": "50",
    "currency": "USD"
  }
}
```

```json
{
  "authorizationResponse": {
    "commercialCard": "123",
    "commercialCardIndicator": "1",
    "date": "0410",
    "financialNetworkCode": "MCC",
    "posData": "2034104000000",
    "posEntryMode": "012",
    "processingCode": "003000",
    "responseCode": "00",
    "stan": "11592",
    "time": "090204",
    "transactionIdentifier": "411168519",
    "transactionIntegrityClass": "A1"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100.00,
    "certainty": "FINAL",
    "chargeback": {
      "amount": 0,
      "currency": "USD"
    },
    "creationTime": "2025-04-10T09:02:03.847Z",
    "currency": "USD",
    "id": "A_18",
    "lastUpdatedTime": "2025-04-10T09:02:43.148Z",
    "merchantAmount": 100.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "USD",
    "status": "PARTIALLY_CAPTURED",
    "totalAuthorizedAmount": 100.00,
    "totalCapturedAmount": 50.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "response": {
    "acquirerCode": "00",
    "acquirerMessage": "Approved",
    "gatewayCode": "APPROVED"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "expiry": {
          "month": "12",
          "year": "24"
        },
        "fundingMethod": "DEBIT",
        "number": "555555xxxxxx4444",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-10T09:02:43.148Z",
  "timeOfRecord": "2025-04-10T09:02:43.081Z",
  "transaction": {
    "acquirer": {
      "batch": 20250410,
      "date": "0410",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "settlementDate": "2025-04-10",
      "timeZone": "+1000",
      "transactionId": "411168519"
    },
    "amount": 50.00,
    "authorizationCode": "112233",
    "currency": "USD",
    "id": "A_20",
    "receipt": "510009011592",
    "source": "MERCHANT",
    "stan": "12661",
    "terminal": "0001",
    "transit": {
      "knownFare": {
        "type": "DEBT_RECOVERY_MERCHANT_INITIATED"
      }
    },
    "type": "CAPTURE"
  },
  "version": "100"
}
```

### Payer initiated debt recovery {#payer-initiated-debt-recovery}

#### Authorize {#authorize-4}

```json
{
  "apiOperation": "AUTHORIZE",
  "order": {
    "amount": 100,
    "currency": "USD"
  },
  "sourceOfFunds": {
    "provided": {
      "card": {
        "emvRequest": {
          "5A": "5555555555554444",
          "5F2A": "826",
          "82": "0000",
          "84": "010101010101",
          "95": "0000000000",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000001099",
          "9F03": "000000000000",
          "9F06": "010101010101",
          "9F07": "0101",
          "9F09": "0101",
          "9F10": "06011103A000000A0100000000000BB0ABAD",
          "9F1A": "826",
          "9F1E": "0123ABCD",
          "9F26": "D1F722D47FCA8273",
          "9F27": "40",
          "9F33": "E0B8C8",
          "9F34": "1E0300",
          "9F35": "12",
          "9F36": "0002",
          "9F37": "2A4E1690",
          "9F41": "0123",
          "9F53": "A",
          "9F6E": "0101"
        },
        "expiry": {
          "month": "12",
          "year": "24"
        },
        "number": "5555555555554444"
      }
    },
    "type": "CARD"
  },
  "transaction": {
    "source": "CARD_PRESENT",
    "transit": {
      "knownFare": {
        "type": "DEBT_RECOVERY_PAYER_INITIATED",
        "transportationMode": "TRAIN"
      }
    }
  },
  "posTerminal": {
    "attended": "UNATTENDED",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "panEntryMode": "CONTACTLESS",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "street1",
    "pinEntryCapability": "PIN_NOT_SUPPORTED"
  }
}
```

```json
{
  "authorizationResponse": {
    "commercialCard": "123",
    "commercialCardIndicator": "1",
    "date": "0410",
    "financialNetworkCode": "MCC",
    "posData": "1000004000300",
    "posEntryMode": "072",
    "processingCode": "003000",
    "responseCode": "00",
    "stan": "13751",
    "time": "090635",
    "transactionIdentifier": "477555397",
    "transactionIntegrityClass": "A1"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100.00,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "certainty": "FINAL",
    "chargeback": {
      "amount": 0,
      "currency": "USD"
    },
    "creationTime": "2025-04-10T09:06:35.046Z",
    "currency": "USD",
    "id": "A_21",
    "lastUpdatedTime": "2025-04-10T09:06:35.242Z",
    "merchantAmount": 100.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "USD",
    "status": "AUTHORIZED",
    "totalAuthorizedAmount": 100.00,
    "totalCapturedAmount": 0.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "posTerminal": {
    "address": {
      "country": "GBR"
    },
    "attended": "UNATTENDED",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "street1",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "PIN_NOT_SUPPORTED",
    "serialNumber": "0123ABCD"
  },
  "response": {
    "acquirerCode": "00",
    "acquirerMessage": "Approved",
    "gatewayCode": "APPROVED",
    "gatewayRecommendation": "NO_ACTION"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "emvRequest": {
          "5F2A": "826",
          "82": "0000",
          "84": "010101010101",
          "95": "0000000000",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000001099",
          "9F03": "000000000000",
          "9F06": "010101010101",
          "9F07": "0101",
          "9F09": "0101",
          "9F10": "06011103A000000A0100000000000BB0ABAD",
          "9F1A": "826",
          "9F1E": "0123ABCD",
          "9F26": "D1F722D47FCA8273",
          "9F27": "40",
          "9F33": "E0B8C8",
          "9F34": "1E0300",
          "9F35": "12",
          "9F36": "0002",
          "9F37": "2A4E1690",
          "9F41": "0123",
          "9F53": "A",
          "9F6E": "0101"
        },
        "emvResponse": {
          "72": "9F180408041215860E04DA9F5809030691D72E6F027DC6",
          "91": "B7D5309D4B3E6CDB3030"
        },
        "expiry": {
          "month": "12",
          "year": "24"
        },
        "fundingMethod": "DEBIT",
        "number": "555555xxxxxx4444",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-10T09:06:35.242Z",
  "timeOfRecord": "2025-04-10T09:06:35.080Z",
  "transaction": {
    "acquirer": {
      "batch": 20250410,
      "date": "0410",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "transactionId": "477555397"
    },
    "amount": 100.00,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "authorizationCode": "112233",
    "currency": "USD",
    "id": "A_22",
    "receipt": "510009013751",
    "source": "CARD_PRESENT",
    "stan": "13751",
    "terminal": "0002",
    "transit": {
      "knownFare": {
        "type": "DEBT_RECOVERY_PAYER_INITIATED"
      }
    },
    "type": "AUTHORIZATION"
  },
  "version": "100"
}
```

#### Capture {#capture-4}

```json
{
  "apiOperation": "CAPTURE",
  "transaction": {
    "amount": "50",
    "currency": "USD"
  }
}
```

```json
{
  "authorizationResponse": {
    "commercialCard": "123",
    "commercialCardIndicator": "1",
    "date": "0410",
    "financialNetworkCode": "MCC",
    "posData": "1000004000300",
    "posEntryMode": "072",
    "processingCode": "003000",
    "responseCode": "00",
    "stan": "13751",
    "time": "090635",
    "transactionIdentifier": "477555397",
    "transactionIntegrityClass": "A1"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100.00,
    "certainty": "FINAL",
    "chargeback": {
      "amount": 0,
      "currency": "USD"
    },
    "creationTime": "2025-04-10T09:06:35.046Z",
    "currency": "USD",
    "id": "A_21",
    "lastUpdatedTime": "2025-04-10T09:07:07.559Z",
    "merchantAmount": 100.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "USD",
    "status": "PARTIALLY_CAPTURED",
    "totalAuthorizedAmount": 100.00,
    "totalCapturedAmount": 50.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "posTerminal": {
    "address": {
      "country": "GBR"
    },
    "attended": "UNATTENDED",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "street1",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "PIN_NOT_SUPPORTED",
    "serialNumber": "0123ABCD"
  },
  "response": {
    "acquirerCode": "00",
    "acquirerMessage": "Approved",
    "gatewayCode": "APPROVED"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "expiry": {
          "month": "12",
          "year": "24"
        },
        "fundingMethod": "DEBIT",
        "number": "555555xxxxxx4444",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-10T09:07:07.559Z",
  "timeOfRecord": "2025-04-10T09:07:07.035Z",
  "transaction": {
    "acquirer": {
      "batch": 20250410,
      "date": "0410",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "settlementDate": "2025-04-10",
      "timeZone": "+1000",
      "transactionId": "477555397"
    },
    "amount": 50.00,
    "authorizationCode": "112233",
    "currency": "USD",
    "id": "A_23",
    "receipt": "510009013751",
    "source": "CARD_PRESENT",
    "stan": "14801",
    "terminal": "0002",
    "transit": {
      "knownFare": {
        "type": "DEBT_RECOVERY_PAYER_INITIATED"
      }
    },
    "type": "CAPTURE"
  },
  "version": "100"
}
```

### Known fare real time authorization {#known-fare-real-time-authorization}

```json
{
    "apiOperation": "AUTHORIZE",
    "order": {
        "amount": 100,
        "currency": "AUD",
        "certainty": "ESTIMATED"
    },
    "sourceOfFunds": {
        "provided": {
            "card": {
                "emvRequest": {
                    "5A": 5555555555554444,
                    "5F2A": "826",
                    "82": "0000",
                    "84": "010101010101",
                    "95": "0000000000",
                    "9A": "161021",
                    "9B": "0101",
                    "9C": "00",
                    "9F02": "000000001099",
                    "9F03": "000000000000",
                    "9F06": "010101010101",
                    "9F07": "0101",
                    "9F09": "0101",
                    "9F10": "06011103A000000A0100000000000BB0ABAD",
                    "9F1A": "826",
                    "9F1E": "0123ABCD",
                    "9F26": "D1F722D47FCA8273",
                    "9F27": "40",
                    "9F33": "E0B8C8",
                    "9F34": "1E0300",
                    "9F35": "12",
                    "9F36": "0002",
                    "9F37": "2A4E1690",
                    "9F41": "0123",
                    "9F53": "A",
                    "9F6E": "0101"
                },
                "expiry": {
                    "month": "01",
                    "year": "39"
                },
                "number": 5555555555554444
            }
        },
        "type": "CARD"
    },
    "transaction": {
        "source": "CARD_PRESENT",
        "transit": {
            "knownFare": {
                "type": "FARE_REAL_TIME_AUTHORIZATION",
                "transportationMode": "TRAIN"
            }
        }
    },
    "posTerminal": {
        "attended": "UNATTENDED",
        "location": "MERCHANT_TERMINAL_ON_PREMISES",
        "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
        "panEntryMode": "CONTACTLESS",
        "inputCapability": "CONTACTLESS_CHIP",
        "lane": "street1",
        "pinEntryCapability": "PIN_NOT_SUPPORTED"
    }
}
```

```json
{
    "authorizationResponse": {
        "commercialCardIndicator": "3",
        "date": "0429",
        "financialNetworkCode": "XYZ",
        "financialNetworkDate": "2025-04-29",
        "posData": "1000004000300",
        "posEntryMode": "072",
        "processingCode": "003000",
        "responseCode": "00",
        "stan": "100108",
        "time": "131314",
        "transactionIdentifier": "111315"
    },
    "gatewayEntryPoint": "WEB_SERVICES_API",
    "merchant": "CYG_S2I_MER2",
    "order": {
        "amount": 100.00,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "certainty": "ESTIMATED",
        "chargeback": {
            "amount": 0,
            "currency": "AUD"
        },
        "creationTime": "2025-04-29T13:13:14.590Z",
        "currency": "AUD",
        "id": "AKS_578235770",
        "lastUpdatedTime": "2025-04-29T13:13:15.268Z",
        "merchantAmount": 100.00,
        "merchantCategoryCode": "4111",
        "merchantCurrency": "AUD",
        "status": "AUTHORIZED",
        "totalAuthorizedAmount": 100.00,
        "totalCapturedAmount": 0.00,
        "totalDisbursedAmount": 0.00,
        "totalRefundedAmount": 0.00
    },
    "posTerminal": {
        "address": {
            "country": "GBR"
        },
        "attended": "UNATTENDED",
        "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
        "inputCapability": "CONTACTLESS_CHIP",
        "lane": "street1",
        "location": "MERCHANT_TERMINAL_ON_PREMISES",
        "panEntryMode": "CONTACTLESS",
        "pinEntryCapability": "PIN_NOT_SUPPORTED",
        "serialNumber": "0123ABCD"
    },
    "response": {
        "acquirerCode": "00",
        "acquirerMessage": "Approved",
        "gatewayCode": "APPROVED",
        "gatewayRecommendation": "NO_ACTION"
    },
    "result": "SUCCESS",
    "sourceOfFunds": {
        "provided": {
            "card": {
                "brand": "MASTERCARD",
                "emvRequest": {
                    "5F2A": "826",
                    "82": "0000",
                    "84": "010101010101",
                    "95": "0000000000",
                    "9A": "161021",
                    "9B": "0101",
                    "9C": "00",
                    "9F02": "000000001099",
                    "9F03": "000000000000",
                    "9F06": "010101010101",
                    "9F07": "0101",
                    "9F09": "0101",
                    "9F10": "06011103A000000A0100000000000BB0ABAD",
                    "9F1A": "826",
                    "9F1E": "0123ABCD",
                    "9F26": "D1F722D47FCA8273",
                    "9F27": "40",
                    "9F33": "E0B8C8",
                    "9F34": "1E0300",
                    "9F35": "12",
                    "9F36": "0002",
                    "9F37": "2A4E1690",
                    "9F41": "0123",
                    "9F53": "A",
                    "9F6E": "0101"
                },
                "emvResponse": {
                    "71": "0102030405060708090A",
                    "91": "2263BCC1C2D9C4420013"
                },
                "expiry": {
                    "month": "1",
                    "year": "39"
                },
                "fundingMethod": "DEBIT",
                "number": "555555xxxxxx4444",
                "scheme": "MASTERCARD",
                "storedOnFile": "NOT_STORED"
            }
        },
        "type": "CARD"
    },
    "timeOfLastUpdate": "2025-04-29T13:13:15.268Z",
    "timeOfRecord": "2025-04-29T13:13:14.659Z",
    "transaction": {
        "acquirer": {
            "batch": 20250430,
            "date": "0430",
            "id": "CYG_TESTACQ_S2I",
            "merchantId": "9808",
            "transactionId": "111315"
        },
        "amount": 100.00,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "authorizationCode": "111315",
        "currency": "AUD",
        "id": "AKS_115194490",
        "receipt": "511913100108",
        "source": "CARD_PRESENT",
        "stan": "100108",
        "terminal": "0001",
        "transit": {
            "knownFare": {
                "transportationMode": "TRAIN",
                "type": "FARE_REAL_TIME_AUTHORIZATION"
            }
        },
        "type": "AUTHORIZATION"
    },
    "version": "100"
}
```

#### Known fare deferred authorization {#known-fare-deferred-authorization}

```json
{
    "apiOperation": "AUTHORIZE",
    "order": {
        "amount": 100,
        "currency": "AUD"
    },
    "sourceOfFunds": {
        "provided": {
            "card": {
                "emvRequest": {
                    "5A": 5555555555554444,
                    "5F2A": "826",
                    "82": "0000",
                    "84": "010101010101",
                    "95": "0000000000",
                    "9A": "161021",
                    "9B": "0101",
                    "9C": "00",
                    "9F02": "000000001099",
                    "9F03": "000000000000",
                    "9F06": "010101010101",
                    "9F07": "0101",
                    "9F09": "0101",
                    "9F10": "06011103A000000A0100000000000BB0ABAD",
                    "9F1A": "826",
                    "9F1E": "0123ABCD",
                    "9F26": "D1F722D47FCA8273",
                    "9F27": "40",
                    "9F33": "E0B8C8",
                    "9F34": "1E0300",
                    "9F35": "12",
                    "9F36": "0002",
                    "9F37": "2A4E1690",
                    "9F41": "0123",
                    "9F53": "A",
                    "9F6E": "0101"
                },
                "expiry": {
                    "month": "12",
                    "year": "24"
                },
                "number": 5555555555554444
            }
        },
        "type": "CARD"
    },
    "transaction": {
        "source": "CARD_PRESENT",
        "transit": {
            "knownFare": {
                "type": "FARE_DEFERRED_AUTHORIZATION",
                "transportationMode": "TRAIN"
            }
        }
    },
    "posTerminal": {
        "address": {
            "country": "AUS"
        },
        "attended": "UNATTENDED",
        "location": "MERCHANT_TERMINAL_ON_PREMISES",
        "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
        "panEntryMode": "CONTACTLESS",
        "inputCapability": "CONTACTLESS_CHIP",
        "lane": "street1",
        "pinEntryCapability": "PIN_NOT_SUPPORTED"
    }
}
```

```json
{
    "authorizationResponse": {
        "commercialCardIndicator": "1",
        "date": "0425",
        "financialNetworkCode": "MCC",
        "financialNetworkDate": "2025-04-25",
        "posData": "1000004000300",
        "posEntryMode": "072",
        "processingCode": "003000",
        "responseCode": "00",
        "stan": "29546",
        "time": "053359",
        "transactionIdentifier": "000026"
    },
    "gatewayEntryPoint": "WEB_SERVICES_API",
    "merchant": "CYG_S2I_MER2",
    "order": {
        "amount": 100,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "certainty": "ESTIMATED",
        "chargeback": {
            "amount": 0,
            "currency": "AUD"
        },
        "creationTime": "2025-04-25T05:33:58.858Z",
        "currency": "AUD",
        "id": "AKS_858249464",
        "lastUpdatedTime": "2025-04-25T05:34:01.201Z",
        "merchantAmount": 100,
        "merchantCategoryCode": "4111",
        "merchantCurrency": "AUD",
        "status": "AUTHORIZED",
        "totalAuthorizedAmount": 100,
        "totalCapturedAmount": 0,
        "totalDisbursedAmount": 0,
        "totalRefundedAmount": 0
    },
    "posTerminal": {
        "address": {
            "country": "AUS"
        },
        "attended": "UNATTENDED",
        "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
        "inputCapability": "CONTACTLESS_CHIP",
        "lane": "street1",
        "location": "MERCHANT_TERMINAL_ON_PREMISES",
        "panEntryMode": "CONTACTLESS",
        "pinEntryCapability": "PIN_NOT_SUPPORTED",
        "serialNumber": "0123ABCD"
    },
    "response": {
        "acquirerCode": "00",
        "acquirerMessage": "Approved",
        "gatewayCode": "APPROVED",
        "gatewayRecommendation": "NO_ACTION"
    },
    "result": "SUCCESS",
    "sourceOfFunds": {
        "provided": {
            "card": {
                "brand": "MASTERCARD",
                "emvRequest": {
                    "82": "0000",
                    "84": "010101010101",
                    "95": "0000000000",
                    "5F2A": "826",
                    "9A": "161021",
                    "9B": "0101",
                    "9C": "00",
                    "9F02": "000000001099",
                    "9F03": "000000000000",
                    "9F06": "010101010101",
                    "9F07": "0101",
                    "9F09": "0101",
                    "9F10": "06011103A000000A0100000000000BB0ABAD",
                    "9F1A": "826",
                    "9F1E": "0123ABCD",
                    "9F26": "D1F722D47FCA8273",
                    "9F27": "40",
                    "9F33": "E0B8C8",
                    "9F34": "1E0300",
                    "9F35": "12",
                    "9F36": "0002",
                    "9F37": "2A4E1690",
                    "9F41": "0123",
                    "9F53": "A",
                    "9F6E": "0101"
                },
                "expiry": {
                    "month": "12",
                    "year": "24"
                },
                "fundingMethod": "DEBIT",
                "number": "555555xxxxxx4444",
                "scheme": "MASTERCARD",
                "storedOnFile": "NOT_STORED"
            }
        },
        "type": "CARD"
    },
    "timeOfLastUpdate": "2025-04-25T05:34:01.201Z",
    "timeOfRecord": "2025-04-25T05:33:58.914Z",
    "transaction": {
        "acquirer": {
            "batch": 20250425,
            "date": "0425",
            "id": "CYG_TESTACQ_S2I",
            "merchantId": "9808",
            "transactionId": "000026"
        },
        "amount": 100,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "authorizationCode": "383620",
        "currency": "AUD",
        "id": "AKS_944618321",
        "receipt": "511505029546",
        "source": "CARD_PRESENT",
        "stan": "29546",
        "terminal": "0002",
        "transit": {
            "knownFare": {
                "transportationMode": "TRAIN",
                "type": "FARE_DEFERRED_AUTHORIZATION"
            }
        },
        "type": "AUTHORIZATION"
    },
    "version": "100"
}
```

#### Known fare first ride risk {#known-fare-first-ride-risk}

```json
{
    "apiOperation": "CAPTURE",
    "sourceOfFunds": {
        "provided": {
            "card": {
                "emvRequest": {
                    "5A": 5555555555554444,
                    "5F2A": "826",
                    "82": "0000",
                    "84": "010101010101",
                    "95": "0000000000",
                    "9A": "161021",
                    "9B": "0101",
                    "9C": "00",
                    "9F02": "000000001099",
                    "9F03": "000000000000",
                    "9F06": "010101010101",
                    "9F07": "0101",
                    "9F09": "0101",
                    "9F10": "06011103A000000A0100000000000BB0ABAD",
                    "9F1A": "826",
                    "9F1E": "0123ABCD",
                    "9F26": "D1F722D47FCA8273",
                    "9F27": "40",
                    "9F33": "E0B8C8",
                    "9F34": "1E0300",
                    "9F35": "12",
                    "9F36": "0002",
                    "9F37": "2A4E1690",
                    "9F41": "0123",
                    "9F53": "A",
                    "9F6E": "0101"
                },
                "expiry": {
                    "month": "12",
                    "year": "24"
                },
                "number": 5555555555554444
            }
        },
        "type": "CARD"
    },
    "transaction": {
        "amount": 7,
        "currency": "USD",
        "source": "CARD_PRESENT",
        "transit": {
            "knownFare": {
                "type": "FIRST_RIDE_RISK",
                "transportationMode": "TRAIN"
            }
        }
    },
    "posTerminal": {
        "address": {
            "country": "AUS"
        },
        "attended": "UNATTENDED",
        "location": "MERCHANT_TERMINAL_ON_PREMISES",
        "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
        "panEntryMode": "CONTACTLESS",
        "inputCapability": "CONTACTLESS_CHIP",
        "lane": "street1",
        "pinEntryCapability": "PIN_NOT_SUPPORTED"
    }
}
```

```json
{
    "authorizationResponse": {
        "date": "1021",
        "processingCode": "003000",
        "responseCode": "00",
        "stan": "101146"
    },
    "gatewayEntryPoint": "WEB_SERVICES_API",
    "merchant": "CYG_S2I_MER2",
    "order": {
        "amount": 7,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "chargeback": {
            "amount": 0,
            "currency": "USD"
        },
        "creationTime": "2025-04-29T10:36:16.023Z",
        "currency": "USD",
        "id": "AKS_221029935",
        "lastUpdatedTime": "2025-04-29T10:36:16.695Z",
        "merchantAmount": 7,
        "merchantCategoryCode": "4111",
        "merchantCurrency": "USD",
        "status": "CAPTURED",
        "totalAuthorizedAmount": 7,
        "totalCapturedAmount": 7,
        "totalDisbursedAmount": 0,
        "totalRefundedAmount": 0
    },
    "posTerminal": {
        "address": {
            "country": "AUS"
        },
        "attended": "UNATTENDED",
        "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
        "inputCapability": "CONTACTLESS_CHIP",
        "lane": "street1",
        "location": "MERCHANT_TERMINAL_ON_PREMISES",
        "panEntryMode": "CONTACTLESS",
        "pinEntryCapability": "PIN_NOT_SUPPORTED",
        "serialNumber": "0123ABCD"
    },
    "response": {
        "acquirerCode": "00",
        "acquirerMessage": "Approved",
        "gatewayCode": "APPROVED"
    },
    "result": "SUCCESS",
    "sourceOfFunds": {
        "provided": {
            "card": {
                "brand": "MASTERCARD",
                "emvRequest": {
                    "82": "0000",
                    "84": "010101010101",
                    "95": "0000000000",
                    "5F2A": "826",
                    "9A": "161021",
                    "9B": "0101",
                    "9C": "00",
                    "9F02": "000000001099",
                    "9F03": "000000000000",
                    "9F06": "010101010101",
                    "9F07": "0101",
                    "9F09": "0101",
                    "9F10": "06011103A000000A0100000000000BB0ABAD",
                    "9F1A": "826",
                    "9F1E": "0123ABCD",
                    "9F26": "D1F722D47FCA8273",
                    "9F27": "40",
                    "9F33": "E0B8C8",
                    "9F34": "1E0300",
                    "9F35": "12",
                    "9F36": "0002",
                    "9F37": "2A4E1690",
                    "9F41": "0123",
                    "9F53": "A",
                    "9F6E": "0101"
                },
                "expiry": {
                    "month": "12",
                    "year": "24"
                },
                "fundingMethod": "DEBIT",
                "number": "555555xxxxxx4444",
                "scheme": "MASTERCARD",
                "storedOnFile": "NOT_STORED"
            }
        },
        "type": "CARD"
    },
    "timeOfLastUpdate": "2025-04-29T10:36:16.695Z",
    "timeOfRecord": "2025-04-29T10:36:16.149Z",
    "transaction": {
        "acquirer": {
            "batch": 20250430,
            "date": "0430",
            "id": "CYG_TESTACQ_S2I",
            "merchantId": "9808",
            "settlementDate": "2025-04-30",
            "timeZone": "+1000"
        },
        "amount": 7,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "currency": "USD",
        "id": "AKS_225357069",
        "receipt": "511910101146",
        "source": "CARD_PRESENT",
        "stan": "101146",
        "terminal": "0002",
        "transit": {
            "knownFare": {
                "transportationMode": "TRAIN",
                "type": "FIRST_RIDE_RISK"
            }
        },
        "type": "CAPTURE"
    },
    "version": "100"
}
```

#### Known fare merchant initiated debt recovery {#known-fare-merchant-initiated-debt-recovery}

```json
{
    "apiOperation": "AUTHORIZE",
    "order": {
        "currency": "USD",
        "amount": "27",
        "certainty": "ESTIMATED"
    },
    "referenceOrderId": "AKS_204610163",
    "transaction": {
        "source": "MERCHANT",
        "transit": {
            "knownFare": {
                "type": "DEBT_RECOVERY_MERCHANT_INITIATED",
                "transportationMode": "TRAIN"
            }
        },
        "resubmission": true
    },
    "sourceOfFunds": {
        "type": "CARD"
    }
}
```

```json
{
    "authorizationResponse": {
        "commercialCardIndicator": "3",
        "date": "0429",
        "financialNetworkCode": "XYZ",
        "financialNetworkDate": "2025-04-29",
        "posData": "2031104000600",
        "posEntryMode": "012",
        "processingCode": "003000",
        "responseCode": "00",
        "stan": "101144",
        "time": "055405",
        "transactionIdentifier": "035405"
    },
    "gatewayEntryPoint": "WEB_SERVICES_API",
    "merchant": "CYG_S2I_MER2",
    "order": {
        "amount": 27,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "certainty": "ESTIMATED",
        "chargeback": {
            "amount": 0,
            "currency": "USD"
        },
        "creationTime": "2025-04-29T05:54:05.178Z",
        "currency": "USD",
        "id": "AKS_590473253",
        "lastUpdatedTime": "2025-04-29T05:54:06.315Z",
        "merchantAmount": 27,
        "merchantCategoryCode": "4111",
        "merchantCurrency": "USD",
        "status": "AUTHORIZED",
        "totalAuthorizedAmount": 27,
        "totalCapturedAmount": 0,
        "totalDisbursedAmount": 0,
        "totalRefundedAmount": 0
    },
    "referenceOrderId": "AKS_204610163",
    "response": {
        "acquirerCode": "00",
        "acquirerMessage": "Approved",
        "gatewayCode": "APPROVED",
        "gatewayRecommendation": "NO_ACTION"
    },
    "result": "SUCCESS",
    "sourceOfFunds": {
        "provided": {
            "card": {
                "brand": "MASTERCARD",
                "expiry": {
                    "month": "1",
                    "year": "39"
                },
                "fundingMethod": "DEBIT",
                "number": "512345xxxxxx0008",
                "scheme": "MASTERCARD",
                "storedOnFile": "NOT_STORED"
            }
        },
        "type": "CARD"
    },
    "timeOfLastUpdate": "2025-04-29T05:54:06.315Z",
    "timeOfRecord": "2025-04-29T05:54:05.304Z",
    "transaction": {
        "acquirer": {
            "batch": 20250429,
            "date": "0429",
            "id": "CYG_TESTACQ_S2I",
            "merchantId": "9808",
            "transactionId": "035405"
        },
        "amount": 27,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "authorizationCode": "035405",
        "currency": "USD",
        "id": "AKS_228033909",
        "receipt": "511905101144",
        "resubmission": true,
        "source": "MERCHANT",
        "stan": "101144",
        "terminal": "0002",
        "transit": {
            "knownFare": {
                "transportationMode": "TRAIN",
                "type": "DEBT_RECOVERY_MERCHANT_INITIATED"
            }
        },
        "type": "AUTHORIZATION"
    },
    "version": "100"
}
```

#### Known fare tap initiated debt recovery {#known-fare-tap-initiated-debt-recovery}

```json
{
    "apiOperation": "AUTHORIZE",
    "order": {
        "amount": 100,
        "currency": "AUD"
    },
    "sourceOfFunds": {
        "provided": {
            "card": {
                "emvRequest": {
                    "82": "0000",
                    "84": "010101010101",
                    "95": "0000000000",
                    "5A": 5555555555554444,
                    "5F2A": "826",
                    "9A": "161021",
                    "9B": "0101",
                    "9C": "00",
                    "9F02": "000000001099",
                    "9F03": "000000000000",
                    "9F06": "010101010101",
                    "9F07": "0101",
                    "9F09": "0101",
                    "9F10": "06011103A000000A0100000000000BB0ABAD",
                    "9F1A": "826",
                    "9F1E": "0123ABCD",
                    "9F26": "D1F722D47FCA8273",
                    "9F27": "40",
                    "9F33": "E0B8C8",
                    "9F34": "1E0300",
                    "9F35": "12",
                    "9F36": "0002",
                    "9F37": "2A4E1690",
                    "9F41": "0123",
                    "9F53": "A",
                    "9F6E": "0101"
                },
                "expiry": {
                    "month": "01",
                    "year": "39"
                },
                "number": 5555555555554444
            }
        },
        "type": "CARD"
    },
    "transaction": {
        "source": "CARD_PRESENT",
        "transit": {
            "knownFare": {
                "type": "DEBT_RECOVERY_TAP_INITIATED",
                "transportationMode": "TRAIN"
            }
        }
    },
    "posTerminal": {
        "address": {
            "country": "AUS"
        },
        "attended": "UNATTENDED",
        "location": "MERCHANT_TERMINAL_ON_PREMISES",
        "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
        "panEntryMode": "CONTACTLESS",
        "inputCapability": "CONTACTLESS_CHIP",
        "lane": "street1",
        "pinEntryCapability": "PIN_NOT_SUPPORTED"
    }
}     
```

```json
{
    "authorizationResponse": {
        "commercialCardIndicator": "3",
        "date": "0423",
        "financialNetworkCode": "XYZ",
        "financialNetworkDate": "2025-04-23",
        "posData": "1000004000300",
        "posEntryMode": "072",
        "processingCode": "003000",
        "responseCode": "00",
        "stan": "182763",
        "time": "110405",
        "transactionIdentifier": "090406"
    },
    "gatewayEntryPoint": "WEB_SERVICES_API",
    "merchant": "CYG_S2I_MER2",
    "order": {
        "amount": 100,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "certainty": "ESTIMATED",
        "chargeback": {
            "amount": 0,
            "currency": "AUD"
        },
        "creationTime": "2025-04-23T11:04:05.146Z",
        "currency": "AUD",
        "id": "AKS_405031273",
        "lastUpdatedTime": "2025-04-23T11:04:07.379Z",
        "merchantAmount": 100,
        "merchantCategoryCode": "4111",
        "merchantCurrency": "AUD",
        "status": "AUTHORIZED",
        "totalAuthorizedAmount": 100,
        "totalCapturedAmount": 0,
        "totalDisbursedAmount": 0,
        "totalRefundedAmount": 0
    },
    "posTerminal": {
        "address": {
            "country": "AUS"
        },
        "attended": "UNATTENDED",
        "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
        "inputCapability": "CONTACTLESS_CHIP",
        "lane": "street1",
        "location": "MERCHANT_TERMINAL_ON_PREMISES",
        "panEntryMode": "CONTACTLESS",
        "pinEntryCapability": "PIN_NOT_SUPPORTED",
        "serialNumber": "0123ABCD"
    },
    "response": {
        "acquirerCode": "00",
        "acquirerMessage": "Approved",
        "gatewayCode": "APPROVED",
        "gatewayRecommendation": "NO_ACTION"
    },
    "result": "SUCCESS",
    "sourceOfFunds": {
        "provided": {
            "card": {
                "brand": "MASTERCARD",
                "emvRequest": {
                    "82": "0000",
                    "84": "010101010101",
                    "95": "0000000000",
                    "5F2A": "826",
                    "9A": "161021",
                    "9B": "0101",
                    "9C": "00",
                    "9F02": "000000001099",
                    "9F03": "000000000000",
                    "9F06": "010101010101",
                    "9F07": "0101",
                    "9F09": "0101",
                    "9F10": "06011103A000000A0100000000000BB0ABAD",
                    "9F1A": "826",
                    "9F1E": "0123ABCD",
                    "9F26": "D1F722D47FCA8273",
                    "9F27": "40",
                    "9F33": "E0B8C8",
                    "9F34": "1E0300",
                    "9F35": "12",
                    "9F36": "0002",
                    "9F37": "2A4E1690",
                    "9F41": "0123",
                    "9F53": "A",
                    "9F6E": "0101"
                },
                "emvResponse": {
                    "71": "0102030405060708090A",
                    "91": "2263BCC1C2D9C4420013"
                },
                "expiry": {
                    "month": "1",
                    "year": "39"
                },
                "fundingMethod": "DEBIT",
                "number": "555555xxxxxx4444",
                "scheme": "MASTERCARD",
                "storedOnFile": "NOT_STORED"
            }
        },
        "type": "CARD"
    },
    "timeOfLastUpdate": "2025-04-23T11:04:07.379Z",
    "timeOfRecord": "2025-04-23T11:04:05.239Z",
    "transaction": {
        "acquirer": {
            "batch": 20250424,
            "date": "0424",
            "id": "CYG_TESTACQ_S2I",
            "merchantId": "9808",
            "transactionId": "090406"
        },
        "amount": 100,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "authorizationCode": "090406",
        "currency": "AUD",
        "id": "AKS_80136581",
        "receipt": "511311182763",
        "source": "CARD_PRESENT",
        "stan": "182763",
        "terminal": "0001",
        "transit": {
            "knownFare": {
                "transportationMode": "TRAIN",
                "type": "DEBT_RECOVERY_TAP_INITIATED"
            }
        },
        "type": "AUTHORIZATION"
    },
    "version": "100"
}
```

### Known fare payer initiated debt recovery {#known-fare-payer-initiated-debt-recovery}

```json
{
    "apiOperation": "AUTHORIZE",
    "order": {
        "amount": 100,
        "currency": "AUD"
    },
    "sourceOfFunds": {
        "provided": {
            "card": {
                "emvRequest": {
                    "82": "0000",
                    "84": "010101010101",
                    "95": "0000000000",
                    "5A": 5555555555554444,
                    "5F2A": "826",
                    "9A": "161021",
                    "9B": "0101",
                    "9C": "00",
                    "9F02": "000000001099",
                    "9F03": "000000000000",
                    "9F06": "010101010101",
                    "9F07": "0101",
                    "9F09": "0101",
                    "9F10": "06011103A000000A0100000000000BB0ABAD",
                    "9F1A": "826",
                    "9F1E": "0123ABCD",
                    "9F26": "D1F722D47FCA8273",
                    "9F27": "40",
                    "9F33": "E0B8C8",
                    "9F34": "1E0300",
                    "9F35": "12",
                    "9F36": "0002",
                    "9F37": "2A4E1690",
                    "9F41": "0123",
                    "9F53": "A",
                    "9F6E": "0101"
                },
                "expiry": {
                    "month": "12",
                    "year": "24"
                },
                "number": 5555555555554444
            }
        },
        "type": "CARD"
    },
    "transaction": {
        "source": "CARD_PRESENT",
        "transit": {
            "knownFare": {
                "type": "DEBT_RECOVERY_PAYER_INITIATED",
                "transportationMode": "TRAIN"
            }
        }
    },
    "posTerminal": {
        "address": {
            "country": "AUS"
        },
        "attended": "UNATTENDED",
        "location": "MERCHANT_TERMINAL_ON_PREMISES",
        "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
        "panEntryMode": "CONTACTLESS",
        "inputCapability": "CONTACTLESS_CHIP",
        "lane": "street1",
        "pinEntryCapability": "PIN_NOT_SUPPORTED"
    }
}
```

```json
{
    "authorizationResponse": {
        "commercialCardIndicator": "3",
        "date": "0423",
        "financialNetworkCode": "XYZ",
        "financialNetworkDate": "2025-04-23",
        "posData": "1000004000300",
        "posEntryMode": "072",
        "processingCode": "003000",
        "responseCode": "00",
        "stan": "210893",
        "time": "114752",
        "transactionIdentifier": "094752"
    },
    "gatewayEntryPoint": "WEB_SERVICES_API",
    "merchant": "CYG_S2I_MER2",
    "order": {
        "amount": 100,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "certainty": "ESTIMATED",
        "chargeback": {
            "amount": 0,
            "currency": "AUD"
        },
        "creationTime": "2025-04-23T11:47:52.130Z",
        "currency": "AUD",
        "id": "AKS_729763411",
        "lastUpdatedTime": "2025-04-23T11:47:52.929Z",
        "merchantAmount": 100,
        "merchantCategoryCode": "4111",
        "merchantCurrency": "AUD",
        "status": "AUTHORIZED",
        "totalAuthorizedAmount": 100,
        "totalCapturedAmount": 0,
        "totalDisbursedAmount": 0,
        "totalRefundedAmount": 0
    },
    "posTerminal": {
        "address": {
            "country": "AUS"
        },
        "attended": "UNATTENDED",
        "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
        "inputCapability": "CONTACTLESS_CHIP",
        "lane": "street1",
        "location": "MERCHANT_TERMINAL_ON_PREMISES",
        "panEntryMode": "CONTACTLESS",
        "pinEntryCapability": "PIN_NOT_SUPPORTED",
        "serialNumber": "0123ABCD"
    },
    "response": {
        "acquirerCode": "00",
        "acquirerMessage": "Approved",
        "gatewayCode": "APPROVED",
        "gatewayRecommendation": "NO_ACTION"
    },
    "result": "SUCCESS",
    "sourceOfFunds": {
        "provided": {
            "card": {
                "brand": "MASTERCARD",
                "emvRequest": {
                    "82": "0000",
                    "84": "010101010101",
                    "95": "0000000000",
                    "5F2A": "826",
                    "9A": "161021",
                    "9B": "0101",
                    "9C": "00",
                    "9F02": "000000001099",
                    "9F03": "000000000000",
                    "9F06": "010101010101",
                    "9F07": "0101",
                    "9F09": "0101",
                    "9F10": "06011103A000000A0100000000000BB0ABAD",
                    "9F1A": "826",
                    "9F1E": "0123ABCD",
                    "9F26": "D1F722D47FCA8273",
                    "9F27": "40",
                    "9F33": "E0B8C8",
                    "9F34": "1E0300",
                    "9F35": "12",
                    "9F36": "0002",
                    "9F37": "2A4E1690",
                    "9F41": "0123",
                    "9F53": "A",
                    "9F6E": "0101"
                },
                "emvResponse": {
                    "71": "0102030405060708090A",
                    "91": "2263BCC1C2D9C4420013"
                },
                "expiry": {
                    "month": "12",
                    "year": "24"
                },
                "fundingMethod": "DEBIT",
                "number": "555555xxxxxx4444",
                "scheme": "MASTERCARD",
                "storedOnFile": "NOT_STORED"
            }
        },
        "type": "CARD"
    },
    "timeOfLastUpdate": "2025-04-23T11:47:52.929Z",
    "timeOfRecord": "2025-04-23T11:47:52.213Z",
    "transaction": {
        "acquirer": {
            "batch": 20250424,
            "date": "0424",
            "id": "CYG_TESTACQ_S2I",
            "merchantId": "9808",
            "transactionId": "094752"
        },
        "amount": 100,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "authorizationCode": "094752",
        "currency": "AUD",
        "id": "AKS_910791484",
        "receipt": "511311210893",
        "source": "CARD_PRESENT",
        "stan": "210893",
        "terminal": "0002",
        "transit": {
            "knownFare": {
                "transportationMode": "TRAIN",
                "type": "DEBT_RECOVERY_PAYER_INITIATED"
            }
        },
        "type": "AUTHORIZATION"
    },
    "version": "100"
} 
```