# Token Authentication Service for Click to Pay
source: https://developer.mastercard.com/mastercard-gateway/documentation/security-and-fraud/authentication/token-auth-service/token-auth-service-click-to-pay/index.md

## Overview {#overview}

[Click to Pay](https://developer.mastercard.com/mastercard-gateway/documentation/gateway-features/click-to-pay/index.md) with Mastercard payment passkey authentication improves the efficiency and security of transactions. This service enables fast, seamless payment processing while using advanced security measures to help prevent fraud and scams. The Mastercard payment passkeys protect sensitive payment details and biometric information by ensuring that they are not shared with third parties during transactions. This security model increases consumer trust and helps merchants meet stringent regulatory requirements without requiring additional multi-factor authentication (MFA) implementations.

Mastercard Gateway offers you an end-to-end solution to provide Click to Pay with Mastercard Passkeys. You can do this through Hosted Session or Hosted Checkout using Mastercard payment passkeys through TAS.
Warning: The following are the prerequisites for your respective TAS integrations, and for new integrations, the latest API version is recommended.

* For Hosted Session, you must integrate the Click to Pay Gateway SDK and use API version 84 or later.
* For Hosted Checkout, you must have API version 63 or later.

## Prerequisites {#prerequisites}

To use TAS for Click to Pay, contact your payment service provider to ensure that:

* You must have 3DS2 privileges and configurations for the Mastercard scheme.
* You must have Hosted Checkout privileges and configurations.
* Your country must have Click to Pay enabled. For more information on regional availability, see [Click to Pay region availability](https://developer.mastercard.com/unified-checkout-solutions/documentation/support#region-availability).
* Ensure that your country is included in the list of [TAS available countries](https://www.mastercard.com/global/passkeys/country-listing/terms-of-use.html).

## Compatible devices and browsers {#compatible-devices-and-browsers}

These are the compatible devices and browsers.

|    **Device type**     |                  **Supported browsers**                   |
|------------------------|-----------------------------------------------------------|
| Windows™               | * Google Chrome™ * New Microsoft Edge™ * Mozilla Firefox™ |
| Android™ 12 or 14+     | * Google Chrome™ * New Microsoft Edge™                    |
| iPhone™ 11, 12, or 14+ | Safari™                                                   |
| MacBook™               | Safari™                                                   |

Warning: Devices must support user authentication mechanisms. For example, on Windows machines, ensure that the **Windows Hello** sign-in option is enabled. Alert: Consider the following information before TAS integration:

* The current version of TAS supports integration with web application only and does not support integration with native applications.
* TAS authentication User Interface (UI) only supports pop-up windows. Support for *iFrame* or *WebView* is not available in the current TAS version.

## TAS Hosted Session integration {#tas-hosted-session-integration}

Follow these steps for TAS Hosted Session integration in Click to Pay:

1. Integrate to Mastercard Gateway's [Click to Pay SDK](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/js-libraries/click-to-pay/index.md) using [Click to Pay Hosted Session Integration](https://developer.mastercard.com/mastercard-gateway/documentation/gateway-features/click-to-pay/c2p-flows-for-hsi/index.md).
2. Create a session using the [CREATE SESSION](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#session) operation.
3. Update fields from the wallet in an existing session using the [UPDATE SESSION FROM WALLET](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#wallet) operation.
4. Retrieve the session details using the [RETRIEVE SESSION](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#session) operation.
5. Evaluate the authentication result using the following response fields:

   |          **Field**           |                   **Description**                   |         **Possible Values**         |
   |------------------------------|-----------------------------------------------------|-------------------------------------|
   | `order.authenticationStatus` | Indicates if the TAS authentication was successful. | SUCCESS, FAILED, or PENDING         |
   | `order.authenticationType`   | Specifies the type of authentication used.          | Passkey, Passive, or EMV 3-D Secure |


Warning: If TAS authentication is not successful, you can use Mastercard Gateway eased EMV 3-D Secure authentication as a Fallback. 6. Submit an [Authorize](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) or [Pay](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) request.

<br />

## TAS Hosted Checkout integration {#tas-hosted-checkout-integration}

For integrating Hosted Checkout, you must have API version 63 or later and for new Hosted Checkout integrations, the latest API version is recommended.

## Testing your integration {#testing-your-integration}

Test your integration using the MTF Test setup.

### Setup prerequisites {#setup-prerequisites}

Following are the setup prerequisites:

* Ensure that you have completed these [prerequisites](https://developer.mastercard.com/mastercard-gateway/documentation/security-and-fraud/authentication/token-auth-service/token-auth-service-click-to-pay/index.md#prerequisites) steps.
* Ensure that you use these [test cards](https://developer.mastercard.com/unified-checkout-solutions/documentation/testing/test_cases/click_to_pay_case/#test-cards:~:text=Tokenization%20Eligible%20Test%20Cards%20For%20Token%20Authentication%20Framework) when testing your integration for TAS for Click to Pay.

### API request and response samples {#api-request-and-response-samples}

#### Hosted Checkout through website {#hosted-checkout-through-website}

Refer to the following API requests and responses if you have integrated Mastercard Gateway's Click to Pay SDK using Hosted Checkout through website:

```json
{
  "apiOperation": "INITIATE_CHECKOUT",
  "checkoutMode": "WEBSITE",
  "interaction": {
    "operation": "PURCHASE",
    "merchant": {
      "name": "JK Enterprises LLC"
    }
  },
  "order": {
    "currency": "{{currency}}",
    "amount": "250.00",
    "id": "{{orderId}}",
    "description": "Goods and Services"
  }
}
```

```json
{
  "checkoutMode": "WEBSITE",
  "merchant": "DD_TEST_MPGS",
  "result": "SUCCESS",
  "session": {
    "id": "SESSION[REDACTED]F56109370L5",
    "updateStatus": "SUCCESS",
    "version": "adbbfca001"
  },
  "successIndicator": "4a92eec3201f45af"
}
```

* **Authorize or Pay response**

```json
{
  "amount": 250,
  "authentication": {
    "3ds": {
      "acsEci": "02",
      "authenticationToken": "kBIYYgZVs2ywKD1jxBvI2YQBijv5",
      "transactionId": "dace62b3-ff62-450e-87d6-d0157c8ced59"
    }
  },
  "chargeback": {
    "amount": 0,
    "currency": "USD"
  },
  "creationTime": "[REDACTED]T11:11:27.562Z",
  "currency": "USD",
  "customer": {
    "email": "[REDACTED_EMAIL]",
    "mobilePhone": "[REDACTED_PHONE]"
  },
  "description": "Goods and Services",
  "fundingStatus": "IN_PROGRESS",
  "id": "[REDACTED]",
  "lastUpdatedTime": "[REDACTED]T11:11:28.426Z",
  "merchant": "DD_TEST_MPGS",
  "merchantAmount": 250,
  "merchantCategoryCode": "5999",
  "merchantCurrency": "USD",
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "deviceSpecificExpiry": {
          "month": "7",
          "year": "28"
        },
        "deviceSpecificNumber": "[REDACTED_CARD]",
        "expiry": {
          "month": "12",
          "year": "39"
        },
        "fundingMethod": "CREDIT",
        "issuerCountryCode": "USA",
        "number": "[REDACTED_CARD]",
        "paymentAccountReference": "50012MOIQJ7EFDM0FSDAGZ2JU76DN",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "SCHEME_TOKEN"
  },
  "status": "CAPTURED",
  "totalAuthorizedAmount": 250,
  "totalCapturedAmount": 250,
  "totalDisbursedAmount": 0,
  "totalRefundedAmount": 0,
  "transaction": [
    {
      "authentication": {
        "3ds": {
          "acsEci": "02",
          "authenticationToken": "kBIYYgZVs2ywKD1jxBvI2YQBijv5",
          "transactionId": "dace62b3-ff62-450e-87d6-d0157c8ced59"
        },
        "3ds2": {
          "authenticationScheme": "MASTERCARD",
          "dsTransactionId": "dace62b3-ff62-450e-87d6-d0157c8ced59",
          "transactionStatus": "Y"
        },
        "amount": 250,
        "version": "3DS2"
      },
      "authorizationResponse": {
        "commercialCardIndicator": "1",
        "date": "0624",
        "financialNetworkCode": "MDS",
        "financialNetworkDate": "[REDACTED]",
        "posData": "[REDACTED]",
        "posEntryMode": "812",
        "processingCode": "000000",
        "responseCode": "00",
        "stan": "262134",
        "time": "111127",
        "transactionIdentifier": "00WF9T"
      },
      "customer": {
        "email": "[REDACTED_EMAIL]",
        "mobilePhone": "[REDACTED_PHONE]"
      },
      "gatewayEntryPoint": "CHECKOUT_VIA_WEBSITE",
      "merchant": "DD_TEST_MPGS",
      "order": {
        "amount": 250,
        "authenticationStatus": "AUTHENTICATION_SUCCESSFUL",
        "chargeback": {
          "amount": 0,
          "currency": "USD"
        },
        "creationTime": "[REDACTED]T11:11:27.562Z",
        "currency": "USD",
        "description": "Goods and Services",
        "fundingStatus": "IN_PROGRESS",
        "id": "[REDACTED]",
        "lastUpdatedTime": "[REDACTED]T11:11:28.426Z",
        "merchantAmount": 250,
        "merchantCategoryCode": "5999",
        "merchantCurrency": "USD",
        "status": "CAPTURED",
        "totalAuthorizedAmount": 250,
        "totalCapturedAmount": 250,
        "totalDisbursedAmount": 0,
        "totalRefundedAmount": 0,
        "wallet": {
          "secureRemoteCommerce": {
            "srcCorrelationId": "4f339be7.35853fdf-8acc-442f-b4c9-0cd2f559af42"
          }
        },
        "walletProvider": "SECURE_REMOTE_COMMERCE"
      },
      "response": {
        "acquirerCode": "00",
        "acquirerMessage": "Approved",
        "gatewayCode": "APPROVED",
        "gatewayRecommendation": "PROCEED"
      },
      "result": "SUCCESS",
      "sourceOfFunds": {
        "provided": {
          "card": {
            "brand": "MASTERCARD",
            "deviceSpecificExpiry": {
              "month": "7",
              "year": "28"
            },
            "deviceSpecificNumber": "[REDACTED_CARD]",
            "expiry": {
              "month": "12",
              "year": "39"
            },
            "fundingMethod": "CREDIT",
            "issuerCountryCode": "USA",
            "number": "[REDACTED_CARD]",
            "paymentAccountReference": "50012MOIQJ7EFDM0FSDAGZ2JU76DN",
            "scheme": "MASTERCARD",
            "storedOnFile": "NOT_STORED"
          }
        },
        "type": "SCHEME_TOKEN"
      },
      "timeOfLastUpdate": "[REDACTED]T11:11:28.426Z",
      "timeOfRecord": "[REDACTED]T11:11:27.595Z",
      "transaction": {
        "acquirer": {
          "batch": 20250624,
          "date": "0624",
          "id": "CISTEST_S2I",
          "merchantId": "SRC3DS",
          "settlementDate": "[REDACTED]",
          "timeZone": "+1000",
          "transactionId": "00WF9T"
        },
        "amount": 250,
        "authenticationStatus": "AUTHENTICATION_SUCCESSFUL",
        "authorizationCode": "319153",
        "currency": "USD",
        "funding": {
          "status": "IN_PROGRESS"
        },
        "id": "1",
        "receipt": "[REDACTED]",
        "source": "INTERNET",
        "stan": "262134",
        "terminal": "11111113",
        "type": "PAYMENT"
      },
      "version": "100"
    }
  ],
  "wallet": {
    "secureRemoteCommerce": {
      "srcCorrelationId": "4f339be7.35853fdf-8acc-442f-b4c9-0cd2f559af42"
    }
  },
  "walletProvider": "SECURE_REMOTE_COMMERCE"
}
```

#### Hosted Checkout through payment link {#hosted-checkout-through-payment-link}

Refer to the following API requests and responses if you have integrated Mastercard Gateway's Click to Pay SDK using Hosted Checkout through payment link:

```json
{
  "apiOperation": "INITIATE_CHECKOUT",
  "checkoutMode": "PAYMENT_LINK",
  "interaction": {
    "operation": "AUTHORIZE",
    "merchant": {
      "name": "{{MID}}",
      "url": "https://www.abc.net.au"
    }
  },
  "order": {
    "currency": "USD",
    "amount": 568,
    "id": "{{OrderID}}",
    "description": "ORDER_DESC_{{OrderID}}"
  },
  "paymentLink": {
    "errorUrl": "https://merchant.com",
    "expiryDateTime": "[REDACTED]T12:37:00.993Z",
    "numberOfAllowedAttempts": "3"
  }
}
```

```json
{
  "checkoutMode": "PAYMENT_LINK",
  "merchant": "DD_TEST_MPGS",
  "paymentLink": {
    "errorUrl": "https://merchant.com",
    "expiryDateTime": "[REDACTED]T12:37:00.993Z",
    "id": "PAYLINK[REDACTED]E98539006H5",
    "numberOfAllowedAttempts": 3,
    "url": "{{host}}/pbl/PAYLINK[REDACTED]E98539006H5"
  },
  "result": "SUCCESS",
  "successIndicator": "ec27ef888dac4b25"
}
```

* **Authorize or Pay response**

```json
{
  "amount": 568,
  "authentication": {
    "3ds": {
      "acsEci": "02",
      "authenticationToken": "kBIYYgZVQPK9XUaCC5/J3YQBFVGT",
      "transactionId": "b7783c09-a316-413c-90e5-7772b8f15783"
    }
  },
  "billing": {
    "address": {
      "city": "[REDACTED_CITY]",
      "postcodeZip": "[REDACTED_ZIP]"
    }
  },
  "certainty": "FINAL",
  "chargeback": {
    "amount": 0,
    "currency": "USD"
  },
  "creationTime": "[REDACTED]T11:17:14.457Z",
  "currency": "USD",
  "custom": {
    "paymentLink": "true",
    "paymentLinkSuccessIndicator": "ec27ef888dac4b25"
  },
  "customer": {
    "email": "[REDACTED_EMAIL]",
    "mobilePhone": "[REDACTED_PHONE]"
  },
  "description": "ORDER_DESC_[REDACTED]",
  "fundingStatus": "NON_FUNDED",
  "id": "[REDACTED]",
  "lastUpdatedTime": "[REDACTED]T11:17:15.522Z",
  "merchant": "DD_TEST_MPGS",
  "merchantAmount": 568,
  "merchantCategoryCode": "5999",
  "merchantCurrency": "USD",
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "deviceSpecificExpiry": {
          "month": "7",
          "year": "28"
        },
        "deviceSpecificNumber": "[REDACTED_CARD]",
        "expiry": {
          "month": "12",
          "year": "39"
        },
        "fundingMethod": "CREDIT",
        "issuerCountryCode": "USA",
        "number": "[REDACTED_CARD]",
        "paymentAccountReference": "50012MOIQJ7EFDM0FSDAGZ2JU76DN",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "SCHEME_TOKEN"
  },
  "status": "AUTHORIZED",
  "totalAuthorizedAmount": 568,
  "totalCapturedAmount": 0,
  "totalDisbursedAmount": 0,
  "totalRefundedAmount": 0,
  "transaction": [
    {
      "authentication": {
        "3ds": {
          "acsEci": "02",
          "authenticationToken": "kBIYYgZVQPK9XUaCC5/J3YQBFVGT",
          "transactionId": "b7783c09-a316-413c-90e5-7772b8f15783"
        },
        "3ds2": {
          "authenticationScheme": "MASTERCARD",
          "dsTransactionId": "b7783c09-a316-413c-90e5-7772b8f15783",
          "transactionStatus": "Y"
        },
        "amount": 568,
        "version": "3DS2"
      },
      "authorizationResponse": {
        "avsCode": "S",
        "commercialCardIndicator": "1",
        "date": "0624",
        "financialNetworkCode": "MDS",
        "financialNetworkDate": "[REDACTED]",
        "posData": "[REDACTED]",
        "posEntryMode": "812",
        "processingCode": "000000",
        "responseCode": "00",
        "stan": "266394",
        "time": "111714",
        "transactionIdentifier": "00XE9T"
      },
      "billing": {
        "address": {
          "city": "[REDACTED_CITY]",
          "postcodeZip": "[REDACTED_ZIP]"
        }
      },
      "customer": {
        "email": "[REDACTED_EMAIL]",
        "mobilePhone": "[REDACTED_PHONE]"
      },
      "gatewayEntryPoint": "CHECKOUT_VIA_PAYMENT_LINK",
      "merchant": "DD_TEST_MPGS",
      "order": {
        "amount": 568,
        "authenticationStatus": "AUTHENTICATION_SUCCESSFUL",
        "certainty": "FINAL",
        "chargeback": {
          "amount": 0,
          "currency": "USD"
        },
        "creationTime": "[REDACTED]T11:17:14.457Z",
        "currency": "USD",
        "custom": {
          "paymentLink": "true",
          "paymentLinkSuccessIndicator": "ec27ef888dac4b25"
        },
        "description": "ORDER_DESC_[REDACTED]",
        "fundingStatus": "NON_FUNDED",
        "id": "[REDACTED_PHONE]",
        "lastUpdatedTime": "[REDACTED]T11:17:15.522Z",
        "merchantAmount": 568,
        "merchantCategoryCode": "5999",
        "merchantCurrency": "USD",
        "status": "AUTHORIZED",
        "totalAuthorizedAmount": 568,
        "totalCapturedAmount": 0,
        "totalDisbursedAmount": 0,
        "totalRefundedAmount": 0,
        "wallet": {
          "secureRemoteCommerce": {
            "srcCorrelationId": "4f339be7.d98aba36-c0de-4598-8cc8-974e0047689c"
          }
        },
        "walletProvider": "SECURE_REMOTE_COMMERCE"
      },
      "response": {
        "acquirerCode": "00",
        "acquirerMessage": "Approved",
        "cardholderVerification": {
          "avs": {
            "acquirerCode": "S",
            "gatewayCode": "SERVICE_NOT_SUPPORTED"
          }
        },
        "gatewayCode": "APPROVED",
        "gatewayRecommendation": "PROCEED"
      },
      "result": "SUCCESS",
      "sourceOfFunds": {
        "provided": {
          "card": {
            "brand": "MASTERCARD",
            "deviceSpecificExpiry": {
              "month": "7",
              "year": "28"
            },
            "deviceSpecificNumber": "[REDACTED_CARD]",
            "expiry": {
              "month": "12",
              "year": "39"
            },
            "fundingMethod": "CREDIT",
            "issuerCountryCode": "USA",
            "number": "[REDACTED_CARD]",
            "paymentAccountReference": "50012MOIQJ7EFDM0FSDAGZ2JU76DN",
            "scheme": "MASTERCARD",
            "storedOnFile": "NOT_STORED"
          }
        },
        "type": "SCHEME_TOKEN"
      },
      "timeOfLastUpdate": "[REDACTED]T11:17:15.522Z",
      "timeOfRecord": "[REDACTED]T11:17:14.484Z",
      "transaction": {
        "acquirer": {
          "batch": 20250624,
          "date": "0624",
          "id": "CISTEST_S2I",
          "merchantId": "SRC3DS",
          "transactionId": "00XE9T"
        },
        "amount": 568,
        "authenticationStatus": "AUTHENTICATION_SUCCESSFUL",
        "authorizationCode": "210103",
        "currency": "USD",
        "funding": {
          "status": "NON_FUNDED"
        },
        "id": "1",
        "receipt": "[REDACTED]",
        "source": "INTERNET",
        "stan": "266394",
        "terminal": "11111113",
        "type": "AUTHORIZATION"
      },
      "version": "100"
    }
  ],
  "wallet": {
    "secureRemoteCommerce": {
      "srcCorrelationId": "4f339be7.d98aba36-c0de-4598-8cc8-974e0047689c"
    }
  },
  "walletProvider": "SECURE_REMOTE_COMMERCE"
}
```

#### TAS for Click to Pay through Hosted Session {#tas-for-click-to-pay-through-hosted-session}

Refer to the following sample API requests and responses if you are using Hosted Session:

```h
POST: https://{{host}}/api/rest/version/llaatteesstt/merchant/{{MID}}/session
```

```json
{
  "merchant": "DD_TEST_MPGS",
  "result": "SUCCESS",
  "session": {
    "aes256Key": "Ixmm1v8KB7VMdKxw1PqUCdpPTUzSs3agvjfl7TOJw+U=",
    "authenticationLimit": 5,
    "id": "SESSION[REDACTED]E19356112M8",
    "updateStatus": "NO_UPDATE",
    "version": "13d190e201"
  }
}
```

### Update Session from Wallet {#update-session-from-wallet}

```json
{
  "apiOperation": "UPDATE_SESSION_FROM_WALLET",
  "order": {
    "walletProvider": "SECURE_REMOTE_COMMERCE"
  },
  "wallet": {
    "secureRemoteCommerce": {
      "srcCorrelationId": "4f339be7.634bb738-cbb9-4f9e-9906-676c1508c9bd",
      "scheme": "MASTERCARD"
    }
  }
}
```

```json
{
  "authentication": {
    "3ds": {
      "acsEci": "02",
      "authenticationToken": "kBIYYgZV3U5+/DAMC5/J3YQBwXs6",
      "transactionId": "11c48101-be33-466b-ac7f-baafedfcc279"
    },
    "3ds2": {
      "transactionStatus": "Y"
    }
  },
  "billing": {
    "address": {
      "city": "[REDACTED_CITY]",
      "country": "USA",
      "postcodeZip": "[REDACTED_ZIP]",
      "stateProvince": "NY",
      "street": "[REDACTED_ADDRESS]"
    }
  },
  "customer": {
    "email": "[REDACTED_EMAIL]",
    "mobilePhone": "[REDACTED_PHONE]"
  },
  "merchant": "DD_TEST_MPGS",
  "order": {
    "amount": "123.00",
    "authenticationStatus": "AUTHENTICATION_SUCCESSFUL",
    "authenticationType": "3DS",
    "currency": "USD",
    "walletProvider": "SECURE_REMOTE_COMMERCE"
  },
  "session": {
    "id": "SESSION[REDACTED]E19356112M8",
    "updateStatus": "SUCCESS",
    "version": "24c981c903"
  },
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "devicePayment": {
          "onlinePaymentCryptogram": "MLqXa/veDgwDAA/yHO//AAADFIA=",
          "paymentToken": "[REDACTED_CARD]"
        },
        "expiry": {
          "month": "7",
          "year": "28"
        },
        "fundingMethod": "CREDIT",
        "maskedFpan": "[REDACTED_CARD]",
        "maskedFpanExpiry": {
          "month": "12",
          "year": "39"
        },
        "number": "[REDACTED_CARD]",
        "scheme": "MASTERCARD"
      }
    },
    "type": "SCHEME_TOKEN"
  },
  "version": "100",
  "wallet": {
    "secureRemoteCommerce": {
      "scheme": "MASTERCARD",
      "srcCorrelationId": "4f339be7.634bb738-cbb9-4f9e-9906-676c1508c9bd"
    }
  }
}
```

### Process Auth transaction {#process-auth-transaction}

```json
{
  "apiOperation": "AUTHORIZE",
  "session": {
    "id": "{{SessionId}}"
  }
}
```

```json
{
  "authentication": {
    "3ds": {
      "acsEci": "02",
      "authenticationToken": "kBIYYgZV3U5+/DAMC5/J3YQBwXs6",
      "transactionId": "11c48101-be33-466b-ac7f-baafedfcc279"
    },
    "3ds2": {
      "authenticationScheme": "MASTERCARD",
      "dsTransactionId": "11c48101-be33-466b-ac7f-baafedfcc279",
      "transactionStatus": "Y"
    },
    "amount": 123,
    "version": "3DS2"
  },
  "authorizationResponse": {
    "avsCode": "S",
    "commercialCardIndicator": "1",
    "date": "0625",
    "financialNetworkCode": "MDS",
    "financialNetworkDate": "[REDACTED]",
    "posData": "[REDACTED]",
    "posEntryMode": "812",
    "processingCode": "000000",
    "responseCode": "00",
    "stan": "264295",
    "time": "093614",
    "transactionIdentifier": "0CRG9T"
  },
  "billing": {
    "address": {
      "city": "[REDACTED_CITY]",
      "country": "USA",
      "postcodeZip": "[REDACTED_ZIP]",
      "stateProvince": "NY",
      "street": "[REDACTED_ADDRESS]"
    }
  },
  "customer": {
    "email": "[REDACTED_EMAIL]",
    "mobilePhone": "[REDACTED_PHONE]"
  },
  "gatewayEntryPoint": "WEB_SERVICES_API",
  "merchant": "DD_TEST_MPGS",
  "order": {
    "amount": 123,
    "authenticationStatus": "AUTHENTICATION_SUCCESSFUL",
    "certainty": "FINAL",
    "chargeback": {
      "amount": 0,
      "currency": "USD"
    },
    "creationTime": "[REDACTED]T09:36:13.931Z",
    "currency": "USD",
    "fundingStatus": "NON_FUNDED",
    "id": "[REDACTED]",
    "lastUpdatedTime": "[REDACTED]T09:36:14.899Z",
    "merchantAmount": 123,
    "merchantCategoryCode": "5999",
    "merchantCurrency": "USD",
    "status": "AUTHORIZED",
    "totalAuthorizedAmount": 123,
    "totalCapturedAmount": 0,
    "totalDisbursedAmount": 0,
    "totalRefundedAmount": 0,
    "wallet": {
      "secureRemoteCommerce": {
        "srcCorrelationId": "4f339be7.634bb738-cbb9-4f9e-9906-676c1508c9bd"
      }
    },
    "walletProvider": "SECURE_REMOTE_COMMERCE"
  },
  "response": {
    "acquirerCode": "00",
    "acquirerMessage": "Approved",
    "cardholderVerification": {
      "avs": {
        "acquirerCode": "S",
        "gatewayCode": "SERVICE_NOT_SUPPORTED"
      }
    },
    "gatewayCode": "APPROVED",
    "gatewayRecommendation": "PROCEED"
  },
  "result": "SUCCESS",
  "sourceOfFunds": {
    "provided": {
      "card": {
        "brand": "MASTERCARD",
        "deviceSpecificExpiry": {
          "month": "7",
          "year": "28"
        },
        "deviceSpecificNumber": "[REDACTED_CARD]",
        "expiry": {
          "month": "12",
          "year": "39"
        },
        "fundingMethod": "CREDIT",
        "issuerCountryCode": "USA",
        "number": "[REDACTED_CARD]",
        "paymentAccountReference": "50012MOIQJ7EFDM0FSDAGZ2JU76DN",
        "scheme": "MASTERCARD",
        "storedOnFile": "NOT_STORED"
      }
    },
    "type": "SCHEME_TOKEN"
  },
  "timeOfLastUpdate": "[REDACTED]T09:36:14.899Z",
  "timeOfRecord": "[REDACTED]T09:36:13.953Z",
  "transaction": {
    "acquirer": {
      "batch": 20250625,
      "date": "0625",
      "id": "CISTEST_S2I",
      "merchantId": "SRC3DS",
      "transactionId": "0CRG9T"
    },
    "amount": 123,
    "authenticationStatus": "AUTHENTICATION_SUCCESSFUL",
    "authorizationCode": "313577",
    "currency": "USD",
    "funding": {
      "status": "NON_FUNDED"
    },
    "id": "[REDACTED]",
    "receipt": "[REDACTED]",
    "source": "INTERNET",
    "stan": "264295",
    "terminal": "11111113",
    "type": "AUTHORIZATION"
  },
  "version": "100"
}
```