Processing Zero-Authorization

• OVERVIEW
• PARAMETERS
• REQUEST
• RESPONSE

OVERVIEW

In the context of the payment industry, zero-authorization refers to a type of transaction in which no authorization request is sent to the card issuer for approval before the transaction is processed. This type of transaction is typically used for small-value transactions or for recurring payments, where the risk of fraud is considered to be low.

A merchant may want to perform a zero-authorization card transaction in order to:

• Verify a card – A merchant may want to move a potential customer to the next stage in the sales cycle by asking them to supply their card details. This allows the merchant to verify the existence of a card without charging it as well as testing the customer’s level of commitment to eventually completing the sale.
  
• Save card details for future usage. So the transaction can be used as reference one to perform Subsequent Merchant-Initiated Transactions.
  

PARAMETERS

To perform Zero-Authorization transaction Direct API request should be sent with the following parameters:

{
  "transaction_type": "authorization",
  "amount": 0,
  "gateway": [hash],
  "mit": {
    "type": "initial",
    "expiry": [in days]
  }
  // *for now it’s supported only by Nuvei PSP (Safecharge) integrations
}

REQUEST

{
    "merchant_id": "Test-Integration-Merchant",
    "application_key": "Sandbox",
    "transaction_type": "authorization",
    "currency": "EUR",
    "amount": 0,
    "gateway": "s-pTSZyK23E1Ee5KZpcNbX_aFl0HuhQ0",
    "mit": {
      "type":"initial", 
      "expiry":365
    },
    "card_data": {
        "card_number": "ZMq4wDaiaQ/xOwMEcQ7R3ASjTnoOMu+avLuJYgAnz1Q=",
        "card_exp": "WI8V4bE5/l8fIhUv6aMO8w==",
        "cvv": "BCm5yhYeeYoJlsOSIRd8Mg=="
    },
    "device_data": {
        "user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_5) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/13.1.1 Safari/605.1.15",
        "accept_header": "text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8",
        "language": "en-us",
        "ip_address": "127.0.0.1",
        "timezone_offset": -180,
        "color_depth": "24",
        "pixel_depth": "24",
        "pixel_ratio": "2",
        "screen_height": 900,
        "screen_width": 1440,
        "viewport_height": 400,
        "viewport_width": 1440,
        "java_enabled": 0,
        "javascript_enabled": 1
    },
    "cid": "1",
    "locale": "en-GB",
    "customer_token": null,
    "customer_data": {
        "country": "GB",
        "first_name": "John",
        "last_name": "Johnson",
        "dob": "12\/31\/1980",
        "email": "[email protected]",
        "phone": "44201112222",
        "zip": "WC2N 5DU",
        "state": "JS",
        "city": "London",
        "address": "Random st., 12\/3",
        "profile": 1
    },
    "notification_url": "https:\/\/api.merchant.com\/v1\/deposits\/tx-1560610955",
    "return_url": "https:\/\/merchant.com\/payment_result\/tx-1560610955",
    "order_id": "test-1560610955",
    "withdrawal_request_id": null,
    "variable1": "your variable",
    "variable2": "if that is not enough, you can pass even one more variable",
    "variable3": null,
    "version": "1.3",
    "timestamp": 1590611635
}

RESPONSE

{
  "status": 0,
  "description": "Ok",
  "redirect_url": null,
  "customer": {
    "customer_token": "2d8ffcb532ffa63f9af3b349bfac85d7",
    "country": "GB",
    "first_name": "John",
    "last_name": "Johnson",
    "avs_alert": 0,
    "verification_alert": 0
  },
  "session": {
    "auth_token": "jxc***Li9",
    "intent": "authorization",
    "session_status": "action required",
    "order_id": "test-1678182726",
    "currency": "USD",
    "amount": null,
    "conversion_rate": "1.000000",
    "processed_currency": "USD",
    "processed_amount": 0,
    "payment_method": "Credit Card",
    "gateway": "7793a029e517a916ab6e6d9874b459f4",
    "cid": "1",
    "variable1": "your variable",
    "variable2": "if that is not enough, you can pass even one more variable",
    "variable3": null
  },
  "transaction": {
    "transaction_type": "authorization",
    "transaction_status": "authorized",
    "tid": "16601",
    "transaction_id": "711000000020828836",
    "currency": "USD",
    "amount": null,
    "conversion_rate": "1.000000",
    "processed_currency": null,
    "processed_amount": null,
    "fee": 0,
    "fee_included": 0,
    "fee_type": "flat",
    "payment_method": "Credit Card",
    "payment_processor": "SafeChargeS2S3Dv2",
    "gateway": "s-pTSZyK23E1Ee5KZpcNbX_aFl0HuhQ0",
    "mit": {
      "type":"initial",
      "expiry":365
    },
    "card": {
      "card_token": null,
      "card_type": "MasterCard",
      "card_number": "510***034",
      "card_exp": "08\/2027",
      "card_issuer_name": null,
      "card_issuer_country": null
    },
    "wallet": null,
    "is_async": 0,
    "is_cascade": 0,
    "cascade_level": null,
    "reference_id": null,
    "withdrawal_request_id": null,
    "created_by": "INTERNET",
    "edited_by": null,
    "status_code": "0",
    "status_details": "authorized"
  },
  "timestamp": 1590611635,
  "version": "1.3"
}