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

Known fare transactions are where the transaction amount is known and authorization for the full amount is requested at the time of travel.

## API version {#api-version}

Mastercard Gateway supports Known Fare transactions from version 66 and later.

## transaction.transit.knownFare.type parameters {#transactiontransitknownfaretype-parameters}

The `transaction.transit.knownFare.type` parameter is required for known fare transactions.

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

|                     API Field                      |               Value                |     Supported operation     |  Supported version   |
|----------------------------------------------------|------------------------------------|-----------------------------|----------------------|
| `transaction.transit.knownFare.type`               | `DEBT_RECOVERY_MERCHANT_INITIATED` | Authorization, Capture, Pay | Version 66 and later |
| `transaction.transit.knownFare.type`               | `DEBT_RECOVERY_PAYER_INITIATED`    | Authorization, Capture, Pay | Version 66 and later |
| `transaction.transit.knownFare.type`               | `DEBT_RECOVERY_TAP_INITIATED`      | Authorization, Capture, Pay | Version 66 and later |
| `transaction.transit.knownFare.type`               | `FARE_REAL_TIME_AUTHORIZATION`     | Authorization, Capture, Pay | Version 66 and later |
| `transaction.transit.knownFare.type`               | `FARE_DEFERRED_AUTHORIZATION`      | Authorization, Capture      | Version 68 and later |
| `transaction.transit.knownFare.type`               | `FIRST_RIDE_RISK`                  | Standalone capture          | Version 66 and later |
| `transaction.transit.knownFare.transportationMode` | For example, `"TRAIN"`             | Authorization, Capture, Pay | Version 100          |

## posTerminal parameters {#posterminal-parameters}

This table describes the most common **posTerminal** parameters.

|       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                                                                                 |
| pinEntry capability    | PIN_NOT_SUPPORTED                                                                                |
| panEntryMode           | CONTACTLESS                                                                                      |
| onlineReasonCode       | N/A                                                                                              |

Warning: Different values maybe are required, depending on the specific implementation.

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

### Real time authorization request and response {#real-time-authorization-request-and-response}

```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"
}
```

### Deferred authorization request and response {#deferred-authorization-request-and-response}

```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": 100.00,
    "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": 100.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "AUD",
    "status": "AUTHORIZED",
    "totalAuthorizedAmount": 100.00,
    "totalCapturedAmount": 0.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "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": {
          "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": "2025-04-25T05:34:01.201Z",
  "timeOfRecord": "2025-04-25T05:33:58.914Z",
  "transaction": {
    "acquirer": {
      "batch": 20250425,
      "date": "0425",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "transactionId": "000026"
    },
    "amount": 100.00,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "authorizationCode": "383620",
    "currency": "AUD",
    "id": "AKS_944618321",
    "receipt": "511505029546",
    "source": "CARD_PRESENT",
    "stan": "29546",
    "terminal": "0002",
    "transit": {
      "knownFare": {
        "type": "FARE_DEFERRED_AUTHORIZATION"
      }
    },
    "type": "AUTHORIZATION"
  },
  "version": "100"
}
```

## Examples of Merchant initiated debt recovery {#examples-of-merchant-initiated-debt-recovery}

### Authorization fail request and response {#authorization-fail-request-and-response}

```json
{
  "apiOperation": "AUTHORIZE",
  "order": {
    "amount": "11.51",
    "currency": "AUD",
    "certainty": "ESTIMATED"
  },
  "sourceOfFunds": {
    "provided": {
      "card": {
        "p2pe": {
          "cardBin": "512345",
          "encryptionState": "VALID",
          "initializationVector": "0000000000000000",
          "keySerialNumber": "FFFF0000000004100499",
          "payload": "511129233E8F66D81A78745066539B69585533571D36696EB6F24C63A5937C4BDBB272CAF251AAD491CF483C6A2A1096"
        },
        "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"
        }
      }
    },
    "type": "CARD"
  },
  "transaction": {
    "source": "CARD_PRESENT",
    "transit": {
      "knownFare": {
        "type": "FARE_DEFERRED_AUTHORIZATION",
        "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"
  }
}
```

```json
{
  "authorizationResponse": {
    "commercialCardIndicator": "3",
    "date": "0429",
    "financialNetworkCode": "XYZ",
    "financialNetworkDate": "2025-04-29",
    "posData": "1000004002300",
    "posEntryMode": "072",
    "processingCode": "003000",
    "responseCode": "51",
    "stan": "100104",
    "time": "055318",
    "transactionIdentifier": "035318"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 11.51,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "certainty": "ESTIMATED",
    "chargeback": {
      "amount": 0,
      "currency": "AUD"
    },
    "creationTime": "2025-04-29T05:53:17.463Z",
    "currency": "AUD",
    "id": "AKS_204610163",
    "lastUpdatedTime": "2025-04-29T05:53:19.338Z",
    "merchantAmount": 11.51,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "AUD",
    "status": "FAILED",
    "totalAuthorizedAmount": 0.00,
    "totalCapturedAmount": 0.00,
    "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": "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": {
          "71": "0102030405060708090A",
          "91": "2263BCC1C2D9C4420013"
        },
        "encryption": "DUKPT",
        "expiry": {
          "month": "1",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "number": "512345xxxxxx0008",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED",
        "trackDataProvided": true
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-29T05:53:19.338Z",
  "timeOfRecord": "2025-04-29T05:53:17.549Z",
  "transaction": {
    "acquirer": {
      "batch": 20250429,
      "date": "0429",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "transactionId": "035318"
    },
    "amount": 11.51,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "authorizationCode": "035318",
    "currency": "AUD",
    "id": "AKS_228033909",
    "receipt": "511905100104",
    "source": "CARD_PRESENT",
    "stan": "100104",
    "terminal": "0001",
    "transit": {
      "knownFare": {
        "transportationMode": "TRAIN",
        "type": "FARE_DEFERRED_AUTHORIZATION"
      }
    },
    "type": "AUTHORIZATION"
  },
  "version": "100"
}
```

### Authorization request and response {#authorization-request-and-response}

```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": 27.00,
    "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": 27.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "USD",
    "status": "AUTHORIZED",
    "totalAuthorizedAmount": 27.00,
    "totalCapturedAmount": 0.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "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": 27.00,
    "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"
}
```

### Capture request and response {#capture-request-and-response}

```json
{
  "apiOperation": "CAPTURE",
  "transaction": {
    "amount": "20",
    "currency": "USD"
  }
}
```

```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": 27.00,
    "certainty": "ESTIMATED",
    "chargeback": {
      "amount": 0,
      "currency": "USD"
    },
    "creationTime": "2025-04-29T05:54:05.178Z",
    "currency": "USD",
    "id": "AKS_590473253",
    "lastUpdatedTime": "2025-04-29T05:54:58.189Z",
    "merchantAmount": 27.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "USD",
    "status": "PARTIALLY_CAPTURED",
    "totalAuthorizedAmount": 27.00,
    "totalCapturedAmount": 20.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "response": {
    "acquirerCode": "00",
    "acquirerMessage": "Approved",
    "gatewayCode": "APPROVED"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "expiry": {
          "month": "1",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "number": "512345xxxxxx0008",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-29T05:54:58.189Z",
  "timeOfRecord": "2025-04-29T05:54:57.168Z",
  "transaction": {
    "acquirer": {
      "batch": 20250429,
      "date": "0429",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "settlementDate": "2025-04-29",
      "timeZone": "+1000",
      "transactionId": "035405"
    },
    "amount": 20.00,
    "authorizationCode": "035405",
    "currency": "USD",
    "id": "AKS_606324650",
    "receipt": "511905101144",
    "source": "MERCHANT",
    "stan": "102184",
    "terminal": "0001",
    "transit": {
      "knownFare": {
        "transportationMode": "TRAIN",
        "type": "DEBT_RECOVERY_MERCHANT_INITIATED"
      }
    },
    "type": "CAPTURE"
  },
  "version": "100"
}
```

## Examples of Payer initiated debt recovery {#examples-of-payer-initiated-debt-recovery}

### Mail order/telephone order (MO/TO) request and response {#mail-ordertelephone-order-moto-request-and-response}

```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": "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": 100.00,
    "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": 100.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "AUD",
    "status": "AUTHORIZED",
    "totalAuthorizedAmount": 100.00,
    "totalCapturedAmount": 0.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "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": {
          "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": "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": 100.00,
    "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"
}
```

### Capture request and response {#capture-request-and-response-1}

```json
{
  "apiOperation": "CAPTURE",
  "transaction": {
    "amount": "100",
    "currency": "AUD"
  }
}
```

```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": 100.00,
    "certainty": "ESTIMATED",
    "chargeback": {
      "amount": 0,
      "currency": "AUD"
    },
    "creationTime": "2025-04-23T11:47:52.130Z",
    "currency": "AUD",
    "id": "AKS_729763411",
    "lastUpdatedTime": "2025-04-23T11:53:39.673Z",
    "merchantAmount": 100.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "AUD",
    "status": "CAPTURED",
    "totalAuthorizedAmount": 100.00,
    "totalCapturedAmount": 100.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "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",
        "expiry": {
          "month": "12",
          "year": "24"
        },
        "fundingMethod": "DEBIT",
        "number": "555555xxxxxx4444",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-23T11:53:39.673Z",
  "timeOfRecord": "2025-04-23T11:53:39.176Z",
  "transaction": {
    "acquirer": {
      "batch": 20250424,
      "date": "0424",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "settlementDate": "2025-04-24",
      "timeZone": "+1000",
      "transactionId": "094752"
    },
    "amount": 100.00,
    "authorizationCode": "094752",
    "currency": "AUD",
    "id": "AKS_994403414",
    "receipt": "511311210893",
    "source": "CARD_PRESENT",
    "stan": "211953",
    "terminal": "0001",
    "transit": {
      "knownFare": {
        "transportationMode": "TRAIN",
        "type": "DEBT_RECOVERY_PAYER_INITIATED"
      }
    },
    "type": "CAPTURE"
  },
  "version": "100"
}
```

## Examples of Tap initiated debt recovery {#examples-of-tap-initiated-debt-recovery}

### Authorization request and response {#authorization-request-and-response-1}

```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": "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": 100.00,
    "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": 100.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "AUD",
    "status": "AUTHORIZED",
    "totalAuthorizedAmount": 100.00,
    "totalCapturedAmount": 0.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "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": {
          "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": "2025-04-23T11:04:07.379Z",
  "timeOfRecord": "2025-04-23T11:04:05.239Z",
  "transaction": {
    "acquirer": {
      "batch": 20250424,
      "date": "0424",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "transactionId": "090406"
    },
    "amount": 100.00,
    "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"
}
```

### Capture request and response {#capture-request-and-response-2}

```json
{
  "apiOperation": "CAPTURE",
  "transaction": {
    "amount": "100",
    "currency": "AUD"
  }
}
```

```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": 100.00,
    "certainty": "ESTIMATED",
    "chargeback": {
      "amount": 0,
      "currency": "AUD"
    },
    "creationTime": "2025-04-23T11:04:05.146Z",
    "currency": "AUD",
    "id": "AKS_405031273",
    "lastUpdatedTime": "2025-04-23T11:10:24.721Z",
    "merchantAmount": 100.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "AUD",
    "status": "CAPTURED",
    "totalAuthorizedAmount": 100.00,
    "totalCapturedAmount": 100.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "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",
        "expiry": {
          "month": "1",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "number": "555555xxxxxx4444",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-23T11:10:24.721Z",
  "timeOfRecord": "2025-04-23T11:10:24.176Z",
  "transaction": {
    "acquirer": {
      "batch": 20250424,
      "date": "0424",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "settlementDate": "2025-04-24",
      "timeZone": "+1000",
      "transactionId": "090406"
    },
    "amount": 100.00,
    "authorizationCode": "090406",
    "currency": "AUD",
    "id": "AKS_437241296",
    "receipt": "511311182763",
    "source": "CARD_PRESENT",
    "stan": "183783",
    "terminal": "0001",
    "transit": {
      "knownFare": {
        "transportationMode": "TRAIN",
        "type": "DEBT_RECOVERY_TAP_INITIATED"
      }
    },
    "type": "CAPTURE"
  },
  "version": "100"
}
```

## Examples of First Ride Risk {#examples-of-first-ride-risk}

### Authorization request and response {#authorization-request-and-response-2}

```json
{
  "apiOperation": "AUTHORIZE",
  "order": {
    "amount": 12.51,
    "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": "01",
          "year": "39"
        },
        "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": "3",
    "date": "0429",
    "financialNetworkCode": "XYZ",
    "financialNetworkDate": "2025-04-29",
    "posData": "1000004000300",
    "posEntryMode": "072",
    "processingCode": "003000",
    "responseCode": "51",
    "stan": "100106",
    "time": "103605",
    "transactionIdentifier": "083605"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 12.51,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "certainty": "FINAL",
    "chargeback": {
      "amount": 0,
      "currency": "AUD"
    },
    "creationTime": "2025-04-29T10:36:04.448Z",
    "currency": "AUD",
    "id": "AKS_39769452",
    "lastUpdatedTime": "2025-04-29T10:36:05.293Z",
    "merchantAmount": 12.51,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "AUD",
    "status": "FAILED",
    "totalAuthorizedAmount": 0.00,
    "totalCapturedAmount": 0.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "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": "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": {
          "71": "0102030405060708090A",
          "91": "2263BCC1C2D9C4420013"
        },
        "expiry": {
          "month": "1",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "number": "555555xxxxxx4444",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-04-29T10:36:05.293Z",
  "timeOfRecord": "2025-04-29T10:36:04.585Z",
  "transaction": {
    "acquirer": {
      "batch": 20250430,
      "date": "0430",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "transactionId": "083605"
    },
    "amount": 12.51,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "authorizationCode": "083605",
    "currency": "AUD",
    "id": "AKS_890314972",
    "receipt": "511910100106",
    "source": "CARD_PRESENT",
    "stan": "100106",
    "terminal": "0002",
    "transit": {
      "knownFare": {
        "transportationMode": "TRAIN",
        "type": "FARE_DEFERRED_AUTHORIZATION"
      }
    },
    "type": "AUTHORIZATION"
  },
  "version": "100"
}
```

### Standalone capture request and response {#standalone-capture-request-and-response}

```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": 7.00,
    "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": 7.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "USD",
    "status": "CAPTURED",
    "totalAuthorizedAmount": 7.00,
    "totalCapturedAmount": 7.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "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": {
          "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": "2025-04-29T10:36:16.695Z",
  "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": 7.00,
    "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"
}
```

### Pay request and response {#pay-request-and-response}

```json
{
  "apiOperation": "PAY",
  "order": {
    "amount": 100,
    "currency": "AUD"
  },
  "sourceOfFunds": {
    "provided": {
      "card": {
        "expiry": {
          "month": "12",
          "year": "39"
        },
        "number": "5555555555554444",
        "sequenceNumber": "099"
      }
    },
    "type": "CARD"
  },
  "transaction": {
    "source": "CARD_PRESENT",
    "transit": {
      "knownFare": {
        "type": "FARE_REAL_TIME_AUTHORIZATION"
      }
    }
  },
  "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",
    "serialNumber": "123456765"
  }
}
```

```json
{
  "authorizationResponse": {
    "commercialCard": "123",
    "commercialCardIndicator": "1",
    "date": "0610",
    "financialNetworkCode": "MCC",
    "posData": "1000000000300",
    "posEntryMode": "912",
    "processingCode": "003000",
    "responseCode": "00",
    "stan": "106213",
    "time": "102709",
    "transactionIdentifier": "026006127",
    "transactionIntegrityClass": "A1"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "CYG_S2I_MER2",
  "order": {
    "amount": 100.00,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "chargeback": {
      "amount": 0,
      "currency": "AUD"
    },
    "creationTime": "2025-06-10T10:27:08.647Z",
    "currency": "AUD",
    "id": "{{orderId}}",
    "lastUpdatedTime": "2025-06-10T10:27:09.083Z",
    "merchantAmount": 100.00,
    "merchantCategoryCode": "4111",
    "merchantCurrency": "AUD",
    "status": "CAPTURED",
    "totalAuthorizedAmount": 100.00,
    "totalCapturedAmount": 100.00,
    "totalDisbursedAmount": 0.00,
    "totalRefundedAmount": 0.00
  },
  "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": "123456765"
  },
  "response": {
    "acquirerCode": "00",
    "acquirerMessage": "Approved",
    "gatewayCode": "APPROVED",
    "gatewayRecommendation": "NO_ACTION"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "expiry": {
          "month": "12",
          "year": "39"
        },
        "fundingMethod": "DEBIT",
        "number": "555555xxxxxx4444",
        "scheme": "MASTERCARD",
        "sequenceNumber": "099",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "CARD"
  },
  "timeOfLastUpdate": "2025-06-10T10:27:09.083Z",
  "timeOfRecord": "2025-06-10T10:27:08.784Z",
  "transaction": {
    "acquirer": {
      "batch": 20250610,
      "date": "0610",
      "id": "CYG_TESTACQ_S2I",
      "merchantId": "9808",
      "settlementDate": "2025-06-10",
      "timeZone": "+1000",
      "transactionId": "026006127"
    },
    "amount": 100.00,
    "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
    "authorizationCode": "112233",
    "currency": "AUD",
    "id": "{{transaction_id}}",
    "receipt": "516110106213",
    "source": "CARD_PRESENT",
    "stan": "106213",
    "terminal": "0002",
    "type": "PAYMENT"
  },
  "version": "100"
}
```