# EFTPOS Aggregated Rules
source: https://developer.mastercard.com/mastercard-gateway/documentation/gateway-features/trans-enrich-data/cardholder-present-data/transit/eftpos-transit-rules/eftpos-aggregated-rules/index.md

## API requests for aggregated fare in transit transactions {#api-requests-for-aggregated-fare-in-transit-transactions}

API requests include the `transaction.transit.aggregatedFare` parameter, which consists of:

* `type`
* `aggregationStartDate`
* `transportationMode`

The API request type and values for each use case align with the scheme requirements in each section.

The `posTerminal` parameters are the same for each aggregation use case.

## First tap within the travel period {#first-tap-within-the-travel-period}

[VERIFY](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction)

* `order.id`
* `order.amount` - 0.00
* `order.currency`
* `transaction.id` - Unique value
* `sourceOfFunds.provided.card.emvRequest` with valid EMV tag data
* `sourceOfFunds.provided.card.expiry`
* `sourceOfFunds.provided.card.expiry.month`
* `sourceOfFunds.provided.card.expiry.year`
* `sourceOfFunds.provided.card.number`
* `sourceOfFunds.type` - CARD
* `transaction.source` - CARD_PRESENT
* **`transaction.transit.aggregatedFare.type` = FARE**
* `posTerminal.attended` - UNATTENDED
* `posTerminal.cardholderActivated` - NOT_CARDHOLDER_ACTIVATED
* `posTerminal.location` - MERCHANT_TERMINAL_ON_PREMISES
* `posTerminal.panEntryMode` - CONTACTLESS
* `posTerminal.inputCapability` - CONTACTLESS_CHIP
* `posTerminal.lane`
* `posTerminal.pinEntryCapability` - PIN_NOT_SUPPORTED

For a declined response, add the card to the deny list.

## Subsequent taps within the travel period {#subsequent-taps-within-the-travel-period}

Automated Fare Collection (AFC) tracks the aggregated fare for the card covering each journey.

No gateway request is required.

## End of the travel period {#end-of-the-travel-period}

#### Pay {#pay}

* `order.id` - New value
* `transaction.id` - Unique value
* `transaction.transit.aggregatedFare.type`
* `transaction.transit.aggregatedFare.aggregationStartDate`
* `transaction.transit.aggregatedFare.transportationMode`
* `sourceOfFunds.provided.card.emvRequest` with valid EMV tag data

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

If the Pay request fails, you can try to recover the fare online within the applicable scheme rules.

### Pay {#pay-1}

* `order.id` - New value
* `transaction.id` - Unique value
* `referenceOrderId` - Unique reference ID for the previous failed Pay transaction
  * This value sources the trace ID from the previous failed Pay transaction
  * `RRN` - RRN for the failed transaction
* `transaction.source` - MERCHANT
* `transaction.amount` - xx.xx
* `transaction.currency`
* `transaction.transit.aggregatedFare.type` - DEBT_RECOVERY_MERCHANT_INITIATED
* `transaction.transit.aggregatedFare.aggregationStartDate` - Valid trip start date
* `transaction.transit.aggregatedFare.transportationMode` - Valid transportation mode used for the first trip

If the debt recovery Pay request fails, you can make additional requests if they do not exceed the number permitted under the scheme rules.

If debt recovery uses `referenceOrderId`, the system fetches all required details from the failed Pay transaction.

* Source of funds, including card number and expiration date details
* Transaction identifier
* RRN for the failed transaction

Note: For transactions completed through a device primary account number (DPAN) as the source of funds, debt recovery uses the funding primary account number (FPAN) returned in the response of the previous transaction.

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

For more information about First Ride Risk, refer to the [First Ride Risk](https://developer.mastercard.com/mastercard-gateway/documentation/gateway-features/trans-enrich-data/cardholder-present-data/transit/first-ride-risk/index.md) section.

For EFTPOS, First Ride Risk support is available from version 100 and later of the WS API.

According to EFTPOS First Ride Risk rules, a Capture can be submitted for a declined Pay request if:

* The issuer declined the first Pay request since the previous successful Pay request for an aggregated fare.
* The transaction amount is less than or equal to the chargeback threshold of the country.

### [Capture](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) for a declined [Pay](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) {#capturehahahugoshortcodes3hbhb-for-a-declined-payhahahugoshortcodes4hbhb}

* `order.id` - New value that cannot be the same value used for the declined Pay request.
* `transaction.id` - Unique value
* `order.amount` - Same value as the declined Pay request.
* `order.currency` - Same value as the declined Pay request.
* `transaction.transit.aggregatedFare.type`=FIRST_RIDE_RISK
* `transaction.transit.aggregatedFare.aggregationStartDate`
* `transaction.transit.aggregatedFare.transportationMode`
* `sourceOfFunds.provided.card.emvRequest`
* `sourceOfFunds.provided.card.sequenceNumber`
* **`authorizationResponse.transactionIdentifier` - Value returned in the response to the declined Pay request.**
* `authorizationResponse.returnACI` - Value provided in the response to the declined Pay request

The `transaction.transit.aggregatedFare.aggregationStartDate` and `transaction.transit.aggregatedFare.transportationMode` values must reflect those used for the first tap.

After the [Capture](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) request is submitted, the card remains on the deny list.

Merchant-initiated debt recovery determines whether the card has returned to good standing and should be removed from the deny list.

To check whether the card has returned to good standing and can be removed from the deny list, you can submit a Pay request for the amount of the [Capture](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction). If the Pay request is approved, remove the card from the deny list and void the Pay request.

### Void {#void}

Submit a [Void](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) request on the same order as the successful Pay request.

* `order.id` - Same value as the successful [Pay](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) request.
* `transaction.id` - Unique value.
* `transaction.targetTransactionID` - Same value as the successful Pay request.

### Standalone [Capture](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) {#standalone-capturehahahugoshortcodes9hbhb}

If the Pay request at the end of the travel period is declined, but the Visa rules permit capture, submit a standalone [Capture](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) request with these details:

* An identifier for the order in `order.id` - You can submit this request with the same order ID that you used for the failed Pay request on the first tap with the card or a new order ID.
* A unique identifier within the order for the [Capture](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) transaction in `transaction.id`.
* The total aggregated fare amount as provided in the failed Pay request in `order.amount`
* The order currency as provided in the failed [Pay](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) request in `order.currency`
* `referenceOrderId` - Unique reference id of the previous failed Pay transaction
* `transaction.transit.aggregatedFare.type` - FIRST_RIDE_RISK or `transaction.transit.knownFare.type` - FIRST_RIDE_RISK
* `transaction.transit.aggregationStartDate` - with the date of first tap.
* `sourceOfFunds.provided.card.emvRequest` - with a valid EMV data from the last tap within the travel period.
* `sourceOfFunds.provided.card.sequenceNumber`
* `transaction.source`=CARD_PRESENT
* `posTerminal.attended`=UNATTENDED
* `posTerminal.location`=ON_CARD_ACCEPTOR_PREMISES
* `posTerminal.cardholderActivated`=NOT_CARDHOLDER_ACTIVATED
* `posTerminal.inputCapability`=CONTACTLESS_CHIP
* `posTerminal.panEntryMode`=CONTACTLESS
* `posTerminal.pinEntryCapability`=PIN_NOT_SUPPORTED
* The 15-digit numeric value returned in the failed [Pay](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) response in `authorizationResponse.transactionIdentifier` field
* The one-letter value returned in the failed [Pay](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) response in field `authorizationResponse.returnAci`

Note: For transactions completed through a Device Primary Account Number (DPAN) as the source of funds, First Ride Risk uses the Funding Primary Account Number (FPAN) returned in the response of the previous transaction.

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

Pay

`transaction.transit.aggregatedFare` fields are required.

After the debt is recovered successfully, the Visa rules state that the card must be removed from the deny list within one hour from the time authorization approval is received.

If the debt recovery Pay request fails, additional requests can be made if they do not exceed the number permitted within the scheme rules.

## Examples of Aggregated fare transactions {#examples-of-aggregated-fare-transactions}

### Initial Verify- First Tap {#initial-verify--first-tap}

```json
{
  "apiOperation": "VERIFY",
  "order": {
    "amount": "0",
    "currency": "EUR"
  },
  "transaction": {
    "source": "CARD_PRESENT",
    "transit": {
      "aggregatedFare": {
        "type": "FARE"
      }
    }
  },
  "sourceOfFunds": {
    "provided": {
      "card": {
        "emvRequest": {
          "57": ";5816969999990326=390120100000123456",
          "82": "0180",
          "84": "A0000001523010",
          "95": "0200008000",
          "5F34": "01",
          "9F1A": "0840",
          "9A": "250908",
          "9F27": "80",
          "9C": "00",
          "9F03": "000000000000",
          "9F36": "0004",
          "9F37": "9DB698C2",
          "9F26": "E0A1F9B4C5D0E0C3",
          "9F09": "0001",
          "9F41": "00001147",
          "9F34": "440302",
          "9F02": "000000000000",
          "9F35": "22",
          "9F10": "06020103A02002",
          "9F33": "E0F8C8",
          "5F2A": "036",
          "9F1E": "24478153"
        }
      }
    },
    "type": "CARD"
  },
  "posTerminal": {
    "address": {
      "city": "Sydney",
      "country": "AUS"
    },
    "attended": "UNATTENDED",
    "cardPresenceCapability": "CARD_PRESENT",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "0001",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS"
  }
}
```

```json
{
  "authorizationResponse": {
    "transactionIdentifier": "9808"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 0,
    "chargeback": {
      "amount": 0,
      "currency": "EUR"
    },
    "creationTime": "2026-04-23T17:56:10.886Z",
    "currency": "EUR",
    "id": "AKS_963720300",
    "lastUpdatedTime": "2026-04-23T17:56:11.160Z",
    "merchantAmount": 0,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "EUR",
    "status": "VERIFIED",
    "totalAuthorizedAmount": 0,
    "totalCapturedAmount": 0,
    "totalDisbursedAmount": 0,
    "totalRefundedAmount": 0
  },
  "posTerminal": {
    "address": {
      "city": "Sydney",
      "country": "AUS"
    },
    "attended": "UNATTENDED",
    "cardPresenceCapability": "CARD_PRESENT",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "0001",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "UNKNOWN",
    "serialNumber": "24478153"
  },
  "response": {
    "acquirerCode": "511",
    "gatewayCode": "APPROVED"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "LOCAL_BRAND_ONLY",
        "emvRequest": {
          "82": "0180",
          "84": "A0000001523010",
          "95": "0200008000",
          "5F2A": "036",
          "5F34": "01",
          "9A": "250908",
          "9C": "00",
          "9F02": "000000000000",
          "9F03": "000000000000",
          "9F09": "0001",
          "9F10": "06020103A02002",
          "9F1A": "0840",
          "9F1E": "24478153",
          "9F26": "E0A1F9B4C5D0E0C3",
          "9F27": "80",
          "9F33": "E0F8C8",
          "9F34": "440302",
          "9F35": "22",
          "9F36": "0004",
          "9F37": "9DB698C2",
          "9F41": "00001147"
        },
        "expiry": {
          "month": "1",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "issuerCountryCode": "AUS",
        "localBrand": "EFTPOS",
        "number": "581696xxxxxx0326",
        "paymentAccountReference": "RWWK4QMGJ42FOIWHD5OTHOLU1Z93H",
        "scheme": "OTHER",
        "sequenceNumber": "01",
        "storedOnFile": "NOT_STORED",
        "trackDataProvided": true
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2026-04-23T17:56:11.160Z",
  "timeOfRecord": "2026-04-23T17:56:10.929Z",
  "transaction": {
    "acquirer": {
      "customData": "{\"environment\":\"dev\"}",
      "id": "ELAVON_AEVI",
      "merchantId": "12345"
    },
    "amount": 0,
    "currency": "EUR",
    "id": "AKS_56135582",
    "receipt": "260423110",
    "source": "CARD_PRESENT",
    "stan": "110",
    "terminal": "1111",
    "transit": {
      "aggregatedFare": {
        "type": "FARE"
      }
    },
    "type": "VERIFICATION"
  },
  "version": "100"
}
```

### End of the day Pay- Aggregated Pay {#end-of-the-day-pay--aggregated-pay}

```json
{
  "apiOperation": "PAY",
  "order": {
    "amount": "100",
    "currency": "EUR",
    "merchantCategoryCode": "4111"
  },
  "transaction": {
    "source": "CARD_PRESENT",
    "transit": {
      "aggregatedFare": {
        "type": "FARE",
        "aggregationStartDate": "2024-05-14",
        "transportationMode": "TRAIN"
      }
    }
  },
  "sourceOfFunds": {
    "type": "CARD",
    "provided": {
      "card": {
        "emvRequest": {
          "57": ";5816969999990326=390120100000123456",
          "82": "0000",
          "84": "A0000001523010",
          "95": "0000000000",
          "5F2A": "036",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000000000",
          "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": "1234"
        }
      }
    }
  },
  "posTerminal": {
    "attended": "UNATTENDED",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "inputCapability": "CONTACTLESS_CHIP",
    "panEntryMode": "CONTACTLESS",
    "address": {
      "country": "AUS",
      "city": "Sydney"
    },
    "cardPresenceCapability": "CARD_PRESENT",
    "lane": "0001",
    "location": "MERCHANT_TERMINAL_ON_PREMISES"
  }
}
```

```json
{
  "authorizationResponse": {
    "transactionIdentifier": "9054"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "chargeback": {
      "amount": 0,
      "currency": "EUR"
    },
    "creationTime": "2026-04-14T12:32:06.146Z",
    "currency": "EUR",
    "id": "AKS_374550132",
    "lastUpdatedTime": "2026-04-14T12:33:49.484Z",
    "merchantAmount": 100,
    "merchantCategoryCode": "1234",
    "merchantCurrency": "EUR",
    "status": "CAPTURED",
    "totalAuthorizedAmount": 100,
    "totalCapturedAmount": 100,
    "totalDisbursedAmount": 0,
    "totalRefundedAmount": 0
  },
  "posTerminal": {
    "address": {
      "city": "Sydney",
      "country": "AUS"
    },
    "attended": "ATTENDED",
    "cardPresenceCapability": "CARD_PRESENT",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "0001",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "UNKNOWN",
    "serialNumber": "0123ABCD"
  },
  "response": {
    "acquirerCode": "803",
    "gatewayCode": "APPROVED",
    "gatewayRecommendation": "NO_ACTION"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "LOCAL_BRAND_ONLY",
        "expiry": {
          "month": "1",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "issuerCountryCode": "AUS",
        "localBrand": "EFTPOS",
        "number": "581696xxxxxx0326",
        "paymentAccountReference": "XI2TDGH1IIS6JXFIQUA7ZISMPEE18",
        "scheme": "OTHER",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2026-04-14T12:33:49.484Z",
  "timeOfRecord": "2026-04-14T12:33:49.157Z",
  "transaction": {
    "acquirer": {
      "batch": 1,
      "customData": "{\"environment\":\"dev\"}",
      "id": "ELAVON_AEVI",
      "merchantId": "12345",
      "transactionId": "9054"
    },
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "currency": "EUR",
    "id": "AKS_102241305",
    "receipt": "260414525",
    "source": "CARD_PRESENT",
    "stan": "525",
    "terminal": "1111",
    "transit": {
      "aggregatedFare": {
        "aggregationStartDate": "2024-05-14",
        "transportationMode": "TRAIN",
        "type": "FARE"
      }
    },
    "type": "PAYMENT"
  },
  "version": "100"
}
```

### First ride risk {#first-ride-risk-1}

```json
{
  "apiOperation": "CAPTURE",
  "transaction": {
    "amount": "100",
    "currency": "EUR",
    "source": "CARD_PRESENT",
    "transit": {
      "knownFare": {
        "type": "FIRST_RIDE_RISK",
        "transportationMode": "TRAIN"
      }
    }
  },
  "referenceOrderId": "AKS_707962690",
  "sourceOfFunds": {
    "type": "CARD"
  },
  "authorizationResponse": {
    "transactionIdentifier": "000003871348605",
    "returnAci": "Y"
  }
}
```

```json
{
  "authorizationResponse": {
    "date": "1021",
    "returnAci": "Y",
    "transactionIdentifier": "928"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "chargeback": {
      "amount": 0,
      "currency": "EUR"
    },
    "creationTime": "2026-04-28T05:48:50.235Z",
    "currency": "EUR",
    "id": "AKS_290447657",
    "lastUpdatedTime": "2026-04-28T05:48:50.521Z",
    "merchantAmount": 100,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "EUR",
    "status": "CAPTURED",
    "totalAuthorizedAmount": 100,
    "totalCapturedAmount": 100,
    "totalDisbursedAmount": 0,
    "totalRefundedAmount": 0
  },
  "posTerminal": {
    "address": {
      "city": "Sydney",
      "country": "AUS"
    },
    "attended": "UNATTENDED",
    "cardPresenceCapability": "CARD_PRESENT",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "0001",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "UNKNOWN",
    "serialNumber": "0123ABCD"
  },
  "response": {
    "acquirerCode": "409",
    "gatewayCode": "APPROVED"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "LOCAL_BRAND_ONLY",
        "emvRequest": {
          "82": "0000",
          "84": "A0000001523010",
          "95": "0000000000",
          "5F2A": "036",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000000000",
          "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": "1234"
        },
        "expiry": {
          "month": "1",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "issuerCountryCode": "AUS",
        "localBrand": "EFTPOS",
        "number": "581696xxxxxx0326",
        "paymentAccountReference": "48IBE8V9JO9NA8QIRCYMVK9C4DIKW",
        "scheme": "OTHER",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2026-04-28T05:48:50.521Z",
  "timeOfRecord": "2026-04-28T05:48:50.305Z",
  "transaction": {
    "acquirer": {
      "batch": 1,
      "customData": "{\"environment\":\"dev\"}",
      "id": "ELAVON_AEVI",
      "merchantId": "12345",
      "transactionId": "928"
    },
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "currency": "EUR",
    "id": "AKS_147089330",
    "receipt": "26042865",
    "source": "CARD_PRESENT",
    "stan": "65",
    "terminal": "1111",
    "transit": {
      "knownFare": {
        "transportationMode": "TRAIN",
        "type": "FIRST_RIDE_RISK"
      }
    },
    "type": "CAPTURE"
  },
  "version": "100"
}
```

### Merchant-initiated debt recovery {#merchant-initiated-debt-recovery-1}

```json
{
  "apiOperation": "PAY",
  "order": {
    "currency": "EUR",
    "amount": "100",
    "merchantCategoryCode": "4111"
  },
  "transaction": {
    "source": "MERCHANT",
    "resubmission": "true",
    "transit": {
      "aggregatedFare": {
        "type": "DEBT_RECOVERY_MERCHANT_INITIATED",
        "transportationMode": "TRAIN",
        "aggregationStartDate": "2024-05-14"
      }
    }
  },
  "referenceOrderId": "AKS_70697776",
  "sourceOfFunds": {
    "type": "CARD"
  }
}
```

```json
{
  "authorizationResponse": {
    "transactionIdentifier": "7060"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "chargeback": {
      "amount": 0,
      "currency": "EUR"
    },
    "creationTime": "2026-04-23T18:50:47.605Z",
    "currency": "EUR",
    "id": "AKS_145799756",
    "lastUpdatedTime": "2026-04-23T18:50:48.027Z",
    "merchantAmount": 100,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "EUR",
    "status": "CAPTURED",
    "totalAuthorizedAmount": 100,
    "totalCapturedAmount": 100,
    "totalDisbursedAmount": 0,
    "totalRefundedAmount": 0
  },
  "referenceOrderId": "AKS_70697776",
  "response": {
    "acquirerCode": "757",
    "gatewayCode": "APPROVED",
    "gatewayRecommendation": "NO_ACTION"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "LOCAL_BRAND_ONLY",
        "expiry": {
          "month": "1",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "issuerCountryCode": "AUS",
        "localBrand": "EFTPOS",
        "number": "581696xxxxxx0326",
        "paymentAccountReference": "A5IYFRQWQSDHAXB4ZHHVUAC0HKYCC",
        "scheme": "OTHER",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2026-04-23T18:50:48.027Z",
  "timeOfRecord": "2026-04-23T18:50:47.641Z",
  "transaction": {
    "acquirer": {
      "batch": 1,
      "customData": "{\"environment\":\"dev\"}",
      "id": "ELAVON_AEVI",
      "merchantId": "12345",
      "transactionId": "7060"
    },
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "currency": "EUR",
    "id": "AKS_900411870",
    "receipt": "260423121",
    "resubmission": true,
    "source": "MERCHANT",
    "stan": "121",
    "terminal": "1111",
    "transit": {
      "aggregatedFare": {
        "aggregationStartDate": "2024-05-14",
        "transportationMode": "TRAIN",
        "type": "DEBT_RECOVERY_MERCHANT_INITIATED"
      }
    },
    "type": "PAYMENT"
  },
  "version": "100"
}
```

### Void {#void-1}

```json
{
  "apiOperation": "VOID",
  "transaction": {
    "targetTransactionId": "AKS_202042095"
  }
}
```

```json
{
  "authorizationResponse": {
    "transactionIdentifier": "5247"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100,
    "chargeback": {
      "amount": 0,
      "currency": "EUR"
    },
    "creationTime": "2026-04-23T18:50:47.605Z",
    "currency": "EUR",
    "id": "AKS_145799756",
    "lastUpdatedTime": "2026-04-23T18:53:36.104Z",
    "merchantAmount": 100,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "EUR",
    "status": "CAPTURED",
    "totalAuthorizedAmount": 100,
    "totalCapturedAmount": 100,
    "totalDisbursedAmount": 0,
    "totalRefundedAmount": 0
  },
  "response": {
    "acquirerCode": "639",
    "gatewayCode": "APPROVED"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "LOCAL_BRAND_ONLY",
        "expiry": {
          "month": "1",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "issuerCountryCode": "AUS",
        "localBrand": "EFTPOS",
        "number": "581696xxxxxx0326",
        "paymentAccountReference": "MDUF98TXRWAAFAVL1PHEXGWOHAMYH",
        "scheme": "OTHER",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2026-04-23T18:53:36.104Z",
  "timeOfRecord": "2026-04-23T18:53:35.933Z",
  "transaction": {
    "acquirer": {
      "batch": 1,
      "customData": "{\"environment\":\"dev\"}",
      "id": "ELAVON_AEVI",
      "merchantId": "12345",
      "transactionId": "5247"
    },
    "amount": 50,
    "currency": "EUR",
    "id": "AKS_758019069",
    "receipt": "260423123",
    "source": "MERCHANT",
    "stan": "123",
    "targetTransactionId": "AKS_202042095",
    "terminal": "1111",
    "type": "VOID_REFUND"
  },
  "version": "100"
}
```

### Known fare Pay {#known-fare-pay}

```json
{
  "apiOperation": "PAY",
  "order": {
    "amount": "100",
    "currency": "EUR"
  },
  "transaction": {
    "source": "CARD_PRESENT",
    "transit": {
      "knownFare": {
        "type": "FARE_DEFERRED_AUTHORIZATION",
        "transportationMode": "TRAIN"
      }
    }
  },
  "sourceOfFunds": {
    "type": "CARD",
    "provided": {
      "card": {
        "emvRequest": {
          "57": ";5816969999990326=390120100000123456",
          "82": "0000",
          "84": "A0000001523010",
          "95": "0000000000",
          "5F2A": "036",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000000000",
          "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": "1234"
        }
      }
    }
  },
  "posTerminal": {
    "attended": "UNATTENDED",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "inputCapability": "CONTACTLESS_CHIP",
    "panEntryMode": "CONTACTLESS",
    "address": {
      "country": "AUS",
      "city": "Sydney"
    },
    "cardPresenceCapability": "CARD_PRESENT",
    "lane": "0001",
    "location": "MERCHANT_TERMINAL_ON_PREMISES"
  }
}
```

```json
{
  "authorizationResponse": {
    "transactionIdentifier": "748"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "chargeback": {
      "amount": 0,
      "currency": "EUR"
    },
    "creationTime": "2026-04-23T18:09:50.352Z",
    "currency": "EUR",
    "id": "AKS_376639718",
    "lastUpdatedTime": "2026-04-23T18:09:50.896Z",
    "merchantAmount": 100,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "EUR",
    "status": "CAPTURED",
    "totalAuthorizedAmount": 100,
    "totalCapturedAmount": 100,
    "totalDisbursedAmount": 0,
    "totalRefundedAmount": 0
  },
  "posTerminal": {
    "address": {
      "city": "Sydney",
      "country": "AUS"
    },
    "attended": "UNATTENDED",
    "cardPresenceCapability": "CARD_PRESENT",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "0001",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS",
    "pinEntryCapability": "UNKNOWN",
    "serialNumber": "0123ABCD"
  },
  "response": {
    "acquirerCode": "794",
    "gatewayCode": "APPROVED",
    "gatewayRecommendation": "NO_ACTION"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "LOCAL_BRAND_ONLY",
        "emvRequest": {
          "82": "0000",
          "84": "A0000001523010",
          "95": "0000000000",
          "5F2A": "036",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000000000",
          "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": "1234"
        },
        "expiry": {
          "month": "1",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "issuerCountryCode": "AUS",
        "localBrand": "EFTPOS",
        "number": "581696xxxxxx0326",
        "paymentAccountReference": "MNTVOHNRYVIUMXJG7PQLPDG2JPYQQ",
        "scheme": "OTHER",
        "storedOnFile": "NOT_STORED",
        "trackDataProvided": true
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2026-04-23T18:09:50.896Z",
  "timeOfRecord": "2026-04-23T18:09:50.490Z",
  "transaction": {
    "acquirer": {
      "batch": 1,
      "customData": "{\"environment\":\"dev\"}",
      "id": "ELAVON_AEVI",
      "merchantId": "12345",
      "transactionId": "748"
    },
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "currency": "EUR",
    "id": "AKS_250794542",
    "receipt": "26042362",
    "source": "CARD_PRESENT",
    "stan": "62",
    "terminal": "1111",
    "transit": {
      "knownFare": {
        "transportationMode": "TRAIN",
        "type": "FARE_DEFERRED_AUTHORIZATION"
      }
    },
    "type": "PAYMENT"
  },
  "version": "100"
}
```

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

```json
{
  "apiOperation": "PAY",
  "order": {
    "amount": "100",
    "currency": "EUR"
  },
  "transaction": {
    "source": "CARD_PRESENT",
    "transit": {
      "aggregatedFare": {
        "type": "DEBT_RECOVERY_TAP_INITIATED",
        "aggregationStartDate": "2024-05-14",
        "transportationMode": "TRAIN"
      }
    }
  },
  "sourceOfFunds": {
    "type": "CARD",
    "provided": {
      "card": {
        "number": "5816969999990326",
        "expiry": {
          "month": "01",
          "year": "39"
        },
        "emvRequest": {
          "57": ";5816969999990326=390120100000123456",
          "82": "0000",
          "84": "A0000001523010",
          "95": "0000000000",
          "5F2A": "036",
          "9A": "161021",
          "9B": "0101",
          "9C": "00",
          "9F02": "000000000000",
          "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": "1234"
        }
      }
    }
  },
  "posTerminal": {
    "address": {
      "city": "Sydney",
      "country": "AUS"
    },
    "attended": "UNATTENDED",
    "cardPresenceCapability": "CARD_PRESENT",
    "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
    "inputCapability": "CONTACTLESS_CHIP",
    "lane": "0001",
    "location": "MERCHANT_TERMINAL_ON_PREMISES",
    "panEntryMode": "CONTACTLESS"
  }
}
```

```json
{
    "authorizationResponse": {
        "transactionIdentifier": "5293"
    },
    "gatewayEntryPoint": "WEB_SERVICES_API",
    "merchant": "CYG_S2I_MER2",
    "order": {
        "amount": 100.00,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "chargeback": {
            "amount": 0,
            "currency": "EUR"
        },
        "creationTime": "2026-04-23T18:31:20.040Z",
        "currency": "EUR",
        "id": "AKS_728111535",
        "lastUpdatedTime": "2026-04-23T18:31:21.040Z",
        "merchantAmount": 100.00,
        "merchantCategoryCode": "4111",
        "merchantCurrency": "EUR",
        "status": "CAPTURED",
        "totalAuthorizedAmount": 100.00,
        "totalCapturedAmount": 100.00,
        "totalDisbursedAmount": 0.00,
        "totalRefundedAmount": 0.00
    },
    "posTerminal": {
        "address": {
            "city": "Sydney",
            "country": "AUS"
        },
        "attended": "UNATTENDED",
        "cardPresenceCapability": "CARD_PRESENT",
        "cardholderActivated": "NOT_CARDHOLDER_ACTIVATED",
        "inputCapability": "CONTACTLESS_CHIP",
        "lane": "0001",
        "location": "MERCHANT_TERMINAL_ON_PREMISES",
        "panEntryMode": "CONTACTLESS",
        "pinEntryCapability": "PIN_NOT_SUPPORTED",
        "serialNumber": "0123ABCD"
    },
    "response": {
        "acquirerCode": "870",
        "gatewayCode": "APPROVED",
        "gatewayRecommendation": "NO_ACTION"
    },
    "result": "SUCCESS",
    "sourceOfFunds": {
        "provided": {
            "card": {
                "brand": "LOCAL_BRAND_ONLY",
                "emvRequest": {
                    "5F2A": "036",
                    "82": "0000",
                    "84": "A0000001523010",
                    "95": "0000000000",
                    "9A": "161021",
                    "9B": "0101",
                    "9C": "00",
                    "9F02": "000000000000",
                    "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": "1234"
                },
                "expiry": {
                    "month": "1",
                    "year": "39"
                },
                "fundingMethod": "DEBIT",
                "issuerCountryCode": "AUS",
                "localBrand": "EFTPOS",
                "number": "581696xxxxxx0326",
                "paymentAccountReference": "F2GOPRZBTSF25UPTXIW4PRUGJJBT1",
                "scheme": "OTHER",
                "storedOnFile": "NOT_STORED",
                "trackDataProvided": true
            }
        },
        "type": "CARD"
    },
    "timeOfLastUpdate": "2026-04-23T18:31:21.040Z",
    "timeOfRecord": "2026-04-23T18:31:20.250Z",
    "transaction": {
        "acquirer": {
            "batch": 1,
            "customData": "{\"environment\":\"dev\"}",
            "id": "ELAVON_AEVI",
            "merchantId": "12345",
            "transactionId": "5293"
        },
        "amount": 100.00,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "currency": "EUR",
        "id": "AKS_850328202",
        "receipt": "260423114",
        "source": "CARD_PRESENT",
        "stan": "114",
        "terminal": "1111",
        "transit": {
            "aggregatedFare": {
                "aggregationStartDate": "2024-05-14",
                "transportationMode": "TRAIN",
                "type": "DEBT_RECOVERY_TAP_INITIATED"
            }
        },
        "type": "PAYMENT"
    },
    "version": "100"
}
```

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

```json
{
  "apiOperation": "PAY",
  "order": {
    "amount": "100",
    "currency": "EUR"
  },
  "transaction": {
    "source": "INTERNET",
    "transit": {
      "aggregatedFare": {
        "type": "DEBT_RECOVERY_PAYER_INITIATED",
        "aggregationStartDate": "2024-05-14",
        "transportationMode": "TRAIN"
      }
    }
  },
  "sourceOfFunds": {
    "type": "CARD",
    "provided": {
      "card": {
        "number": "5816969999990326",
        "expiry": {
          "month": "01",
          "year": "39"
        },
        "securityCode": "123"
      }
    }
  },
  "billing": {
    "address": {
      "postcodeZip": "600153851",
      "city": "DALLAS",
      "stateProvince": "TX",
      "country": "USA",
      "street": "2500 ASH STREET"
    }
  }
}
```

```json
{
  "authorizationResponse": {
    "transactionIdentifier": "655"
  },
  "billing": {
    "address": {
      "city": "DALLAS",
      "country": "USA",
      "postcodeZip": "600153851",
      "stateProvince": "TX",
      "street": "2500 ASH STREET"
    }
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "chargeback": {
      "amount": 0,
      "currency": "EUR"
    },
    "creationTime": "2026-04-14T16:01:20.155Z",
    "currency": "EUR",
    "id": "AKS_388972006",
    "lastUpdatedTime": "2026-04-14T16:01:20.548Z",
    "merchantAmount": 100,
    "merchantCategoryCode": "1234",
    "merchantCurrency": "EUR",
    "status": "CAPTURED",
    "totalAuthorizedAmount": 100,
    "totalCapturedAmount": 100,
    "totalDisbursedAmount": 0,
    "totalRefundedAmount": 0
  },
  "response": {
    "acquirerCode": "897",
    "gatewayCode": "APPROVED",
    "gatewayRecommendation": "NO_ACTION"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "LOCAL_BRAND_ONLY",
        "expiry": {
          "month": "1",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "issuerCountryCode": "AUS",
        "localBrand": "EFTPOS",
        "number": "581696xxxxxx0326",
        "paymentAccountReference": "G4OOQH4LCNE6VRHO9FYRJUOFGYR3K",
        "scheme": "OTHER",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2026-04-14T16:01:20.548Z",
  "timeOfRecord": "2026-04-14T16:01:20.230Z",
  "transaction": {
    "acquirer": {
      "batch": 1,
      "customData": "{\"environment\":\"dev\"}",
      "id": "ELAVON_AEVI",
      "merchantId": "12345",
      "transactionId": "655"
    },
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "currency": "EUR",
    "id": "AKS_600432258",
    "receipt": "260414559",
    "source": "CALL_CENTRE",
    "stan": "559",
    "terminal": "1111",
    "transit": {
      "knownFare": {
        "transportationMode": "TRAIN",
        "type": "DEBT_RECOVERY_PAYER_INITIATED"
      }
    },
    "type": "PAYMENT"
  },
  "version": "100"
}
```