# EFTPOS Known Fare Transit
source: https://developer.mastercard.com/mastercard-gateway/documentation/gateway-features/trans-enrich-data/cardholder-present-data/transit/eftpos-transit-rules/eftpos-known-fare-transit/index.md

## Overview {#overview}

In Known Fare transactions, the traveller knows the transaction amount and requests Pay for the full amount at the time of travel.

## API version {#api-version}

Mastercard Gateway supports Known Fare transactions for Electronic Funds Transfer at Point of Sale (EFTPOS) from version 100.

## Known fare type parameters {#known-fare-type-parameters}

The `transaction.transit.knownFare.type` parameter is required for Known Fare transactions.

This table describes the `transaction.transit.knownFare.type` parameters and values.

|                    WS API field                    |               Value                | Supported operation |   Supported version   |
|----------------------------------------------------|------------------------------------|---------------------|-----------------------|
| `transaction.transit.knownFare.type`               | `DEBT_RECOVERY_MERCHANT_INITIATED` | Pay                 | Version 100 and later |
|                                                    | `DEBT_RECOVERY_PAYER_INITIATED`    | Pay                 | Version 100 and later |
|                                                    | `DEBT_RECOVERY_TAP_INITIATED`      | Pay                 | Version 100 and later |
|                                                    | `FARE_REAL_TIME_AUTHORIZATION`     | Pay                 | Version 100 and later |
|                                                    | `FARE_DEFERRED_AUTHORIZATION`      | Pay                 | Version 100           |
|                                                    | `FIRST_RIDE_RISK`                  | Standalone capture  | Version 100 and later |
| `transaction.transit.knownFare.transportationMode` | For example, `TRAIN`               | Pay                 | Version 100 and later |

## posTerminal parameters {#posterminal-parameters}

This table describes the most common `posTerminal` parameters.

|      WS API field      |                                              Value                                               |
|------------------------|--------------------------------------------------------------------------------------------------|
| cardPresenceCapability | `CARD_PRESENT`                                                                                   |
| attended               | `UNATTENDED`                                                                                     |
| cardholderActivated    | `NOT_CARDHOLDER_ACTIVATED`                                                                       |
| location               | `MERCHANT_TERMINAL_ON_PREMISES`                                                                  |
| lane                   | Use a unique Terminal ID for the device. Do not use a fixed Terminal ID value across the estate. |
| inputCapability        | `CONTACTLESS_CHIP`                                                                               |
| pinEntryCapability     | `PIN_NOT_SUPPORTED`                                                                              |
| panEntryMode           | `CONTACTLESS`                                                                                    |
| onlineReasonCode       | N/A                                                                                              |

## Examples of known fare transactions {#examples-of-known-fare-transactions}

### KFT- Fare Deferred Authorization {#kft--fare-deferred-authorization}

```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"
}
```

### KFT- Real Time Authorization {#kft--real-time-authorization}

```json
{
  "apiOperation": "PAY",
  "order": {
    "amount": "100",
    "currency": "EUR",
    "merchantCategoryCode": "4111"
  },
  "transaction": {
    "source": "CARD_PRESENT"
  },
  "transit": {
    "knownFare": {
      "type": "FARE_REAL_TIME_AUTHORIZATION",
      "transportationMode": "TRAIN"
    }
  },
  "sourceOfFunds": {
    "type": "CARD",
    "provided": {
      "card": {
        "emvRequest": {
          "57": ";5816969999990326D3901",
          "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": "8606"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "chargeback": {
      "amount": 0,
      "currency": "EUR"
    },
    "creationTime": "2026-04-23T18:25:07.713Z",
    "currency": "EUR",
    "id": "AKS_138014666",
    "lastUpdatedTime": "2026-04-23T18:25:08.128Z",
    "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": "787",
    "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": "UO4JHU0W54VZ6OJLIRJSU5KDHFOPS",
        "scheme": "OTHER",
        "storedOnFile": "NOT_STORED",
        "trackDataProvided": true
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2026-04-23T18:25:08.128Z",
  "timeOfRecord": "2026-04-23T18:25:07.743Z",
  "transaction": {
    "acquirer": {
      "batch": 1,
      "id": "ELAVON_AEVI",
      "merchantId": "12345",
      "transactionId": "8606"
    },
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "currency": "EUR",
    "id": "AKS_48919422",
    "receipt": "260423113",
    "source": "CARD_PRESENT",
    "stan": "113",
    "terminal": "1111",
    "transit": {
      "knownFare": {
        "transportationMode": "TRAIN",
        "type": "FARE_REAL_TIME_AUTHORIZATION"
      }
    },
    "type": "PAYMENT"
  },
  "version": "100"
}
```

### KFT- First Ride Risk (FRR) DPAN {#kft--first-ride-risk-frr-dpan}

```json
{
  "apiOperation": "CAPTURE",
  "lineOfBusiness": "eftpos",
  "transaction": {
    "amount": "100",
    "currency": "AUD",
    "source": "CARD_PRESENT"
  },
  "transit": {
    "knownFare": {
      "type": "FIRST_RIDE_RISK",
      "transportationMode": "TRAIN"
    }
  },
  "reference": "FPD:40120003330026:3901:{{ _.eftpos2 }}",
  "sourceOfFunds": {
    "type": "CARD",
    "provided": {
      "card": {
        "emvRequest": {
          "57": ";{{ _.eftpos }}D3801",
          "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"
        }
      }
    }
  },
  "authorizationResponse": {
    "transactionIdentifier": "000003871348605",
    "returnAci": "Y"
  },
  "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": {
    "date": "1021",
    "returnAci": "Y",
    "transactionIdentifier": "3368"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "lineOfBusiness": "eftpos",
  "merchant": "PEG_S2I_MER1",
  "order": {
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "chargeback": {
      "amount": 0,
      "currency": "AUD"
    },
    "creationTime": "2026-05-13T14:42:54.602Z",
    "currency": "AUD",
    "id": "AKS_948517595",
    "lastUpdatedTime": "2026-05-13T14:42:55.102Z",
    "merchantAmount": 100,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "AUD",
    "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": "311",
    "gatewayCode": "APPROVED"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "LOCAL_BRAND_ONLY",
        "deviceSpecificExpiry": {
          "month": "1",
          "year": "38"
        },
        "deviceSpecificNumber": "581696xxxxxx0326",
        "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": "UNKNOWN",
        "issuerCountryCode": "AUS",
        "localBrand": "EFTPOS",
        "number": "581696xxxxxx7545",
        "paymentAccountReference": "J5EOI7OHNTHPMIGQXUKCCMDKMYQXS",
        "scheme": "OTHER",
        "storedOnFile": "NOT_STORED",
        "trackDataProvided": true
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2026-05-13T14:42:55.102Z",
  "timeOfRecord": "2026-05-13T14:42:54.674Z",
  "transaction": {
    "acquirer": {
      "batch": 1,
      "id": "ELAVON_AEVI",
      "merchantId": "123456",
      "transactionId": "3368"
    },
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "currency": "AUD",
    "id": "AKS_584183252",
    "receipt": "26051331",
    "reference": "FPD:40120003330026:3901:5816969999997545",
    "source": "CARD_PRESENT",
    "stan": "31",
    "terminal": "2243",
    "transit": {
      "knownFare": {
        "transportationMode": "TRAIN",
        "type": "FIRST_RIDE_RISK"
      }
    },
    "type": "CAPTURE"
  },
  "version": "100"
}
```

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

```json
{
  "apiOperation": "PAY",
  "order": {
    "currency": "EUR",
    "amount": "100"
  },
  "transaction": {
    "source": "MERCHANT",
    "resubmission": "true",
    "transit": {
      "knownFare": {
        "type": "DEBT_RECOVERY_MERCHANT_INITIATED",
        "transportationMode": "TRAIN"
      }
    }
  },
  "referenceOrderId": "AKS_749427467",
  "sourceOfFunds": {
    "type": "CARD"
  }
}
```

```json
{
  "authorizationResponse": {
    "transactionIdentifier": "2838"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "chargeback": {
      "amount": 0,
      "currency": "EUR"
    },
    "creationTime": "2026-04-14T15:40:38.658Z",
    "currency": "EUR",
    "id": "AKS_495584079",
    "lastUpdatedTime": "2026-04-14T15:40:38.980Z",
    "merchantAmount": 100,
    "merchantCategoryCode": "1234",
    "merchantCurrency": "EUR",
    "status": "CAPTURED",
    "totalAuthorizedAmount": 100,
    "totalCapturedAmount": 100,
    "totalDisbursedAmount": 0,
    "totalRefundedAmount": 0
  },
  "referenceOrderId": "AKS_749427467",
  "response": {
    "acquirerCode": "425",
    "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": "HLCM1DUDZVMNXAZGYVGCK79KN2RDG",
        "scheme": "OTHER",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2026-04-14T15:40:38.980Z",
  "timeOfRecord": "2026-04-14T15:40:38.696Z",
  "transaction": {
    "acquirer": {
      "batch": 1,
      "id": "ELAVON_AEVI",
      "merchantId": "12345",
      "transactionId": "2838"
    },
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "currency": "EUR",
    "id": "AKS_634795851",
    "receipt": "260414555",
    "resubmission": true,
    "source": "MERCHANT",
    "stan": "555",
    "terminal": "1111",
    "transit": {
      "knownFare": {
        "transportationMode": "TRAIN",
        "type": "DEBT_RECOVERY_MERCHANT_INITIATED"
      }
    },
    "type": "PAYMENT"
  },
  "version": "100"
}
```

### MIDR DPAN {#midr-dpan}

```json
{
  "apiOperation": "PAY",
  "lineOfBusiness": "eftpos",
  "order": {
    "currency": "AUD",
    "amount": "100"
  },
  "transaction": {
    "source": "MERCHANT",
    "resubmission": "true"
  },
  "transit": {
    "knownFare": {
      "type": "DEBT_RECOVERY_MERCHANT_INITIATED",
      "transportationMode": "TRAIN"
    }
  },
  "referenceOrderId": "AKS_429126785",
  "sourceOfFunds": {
    "type": "CARD"
  }
}
```

```json
{
  "authorizationResponse": {
    "transactionIdentifier": "500"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "lineOfBusiness": "eftpos",
  "merchant": "PEG_S2I_MER1",
  "order": {
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "chargeback": {
      "amount": 0,
      "currency": "AUD"
    },
    "creationTime": "2026-05-13T18:21:01.599Z",
    "currency": "AUD",
    "id": "AKS_953980446",
    "lastUpdatedTime": "2026-05-13T18:21:01.893Z",
    "merchantAmount": 100,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "AUD",
    "status": "CAPTURED",
    "totalAuthorizedAmount": 100,
    "totalCapturedAmount": 100,
    "totalDisbursedAmount": 0,
    "totalRefundedAmount": 0
  },
  "referenceOrderId": "AKS_429126785",
  "response": {
    "acquirerCode": "742",
    "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": "581696xxxxxx7545",
        "paymentAccountReference": "SZC9RXPZULWKWUVDMYKJBJUETMHOF",
        "scheme": "OTHER",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2026-05-13T18:21:01.893Z",
  "timeOfRecord": "2026-05-13T18:21:01.634Z",
  "transaction": {
    "acquirer": {
      "batch": 1,
      "id": "ELAVON_AEVI",
      "merchantId": "123456",
      "transactionId": "500"
    },
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "currency": "AUD",
    "id": "AKS_836191979",
    "receipt": "26051360",
    "resubmission": true,
    "source": "MERCHANT",
    "stan": "60",
    "terminal": "0010",
    "transit": {
      "knownFare": {
        "transportationMode": "TRAIN",
        "type": "DEBT_RECOVERY_MERCHANT_INITIATED"
      }
    },
    "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": {
    "knownFare": {
      "type": "DEBT_RECOVERY_TAP_INITIATED",
      "transportationMode": "TRAIN"
    }
  },
  "sourceOfFunds": {
    "type": "CARD",
    "provided": {
      "card": {
        "number": "5816969999990326",
        "expiry": {
          "month": "01",
          "year": "39"
        },
        "emvRequest": {
          "57": ";5816969999990326D3901",
          "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",
    "pinEntryCapability": "PIN_NOT_SUPPORTED"
  }
}
```

```json
{
  "authorizationResponse": {
    "transactionIdentifier": "419"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "chargeback": {
      "amount": 0,
      "currency": "EUR"
    },
    "creationTime": "2026-04-23T18:39:07.356Z",
    "currency": "EUR",
    "id": "AKS_965384110",
    "lastUpdatedTime": "2026-04-23T18:39:07.756Z",
    "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": "PIN_NOT_SUPPORTED",
    "serialNumber": "0123ABCD"
  },
  "response": {
    "acquirerCode": "220",
    "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": "AJ8XTQLJRM7R4YP8ENEQJEOSI8TL6",
        "scheme": "OTHER",
        "storedOnFile": "NOT_STORED",
        "trackDataProvided": true
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2026-04-23T18:39:07.756Z",
  "timeOfRecord": "2026-04-23T18:39:07.444Z",
  "transaction": {
    "acquirer": {
      "batch": 1,
      "id": "ELAVON_AEVI",
      "merchantId": "12345",
      "transactionId": "419"
    },
    "amount": 100,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "currency": "EUR",
    "id": "AKS_733743239",
    "receipt": "260423116",
    "source": "CARD_PRESENT",
    "stan": "116",
    "terminal": "1111",
    "transit": {
      "knownFare": {
        "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": "CALL_CENTRE"
  },
  "transit": {
    "knownFare": {
      "type": "DEBT_RECOVERY_PAYER_INITIATED",
      "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,
      "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"
}
```