Cards

The Online Payments API supports many different card brands and transaction types across countries. The following tables describe what is supported where, as well as the fundamentals of card processing.

Transaction type availability by country or region:

Transaction type availability by country or region
Transaction type	US	Australia	Canada	Europe	U.K.
Authorization	Y	Y	Y	Y	Y
Capture	Y	Y	Y	Y	Y
Card verification	Y	Y	Y	Y	Y
Fraud-only request	Y	Y	Y
Incremental authorization	Y		Y	Y	Y
Partial reversal	Y		Y	Y	Y
Refund	Y	Y	Y	Y	Y
Sale	Y	Y	Y	Y	Y
Void	Y	Y	Y	Y	Y

Card brand support in the US by transaction type:

Card brand support in the US by transaction type
Card brand	Sale	Authorization	Refund	Card verification	Void/reversal	Partial reversal
American Express	Y	Y	Y	Y	Y	Y
ChaseNet	Y	Y	Y	Y	Y	Y
Diners Club	Y	Y	Y	Y	Y	Y
Discover	Y	Y	Y	Y	Y	Y
Japan Credit Bureau (JCB)	Y	Y	Y	Y	Y	Y
Mastercard (MC)	Y	Y	Y	Y	Y	Y
UnionPay	Y	Y	Y	Y	Y	Y
US PINless debit	Y	Y	Y		Y
Visa	Y	Y	Y	Y	Y	Y

Card brand support in Canada by transaction type:

Card brand support in Canada by transaction type
Card brand	Sale	Authorization	Refund	Card verification	Void/reversal	Partial reversal
American Express	Y	Y	Y	Y	Y
ChaseNet	Y	Y	Y	Y	Y	Y
Diners Club	Y	Y	Y	Y	Y	Y
Japan Credit Bureau	Y	Y	Y		Y	Y
Mastercard	Y	Y	Y	Y	Y	Y
Mastercard restricted debit	Y	Y	Y	Y	Y	Y
UnionPay	Y	Y	Y	Y	Y	Y
Visa	Y	Y	Y	Y	Y	Y
Visa restricted debit	Y	Y	Y	Y	Y	Y

Card brand support in Europe and the U.K. by transaction type:

Card brand support in Europe and the U.K. by transaction type
Card brand	Sale	Authorization	Refund	Card verification	Void/reversal	Partial reversal
American Express	Y	Y	Y	Y	Y
International Maestro	Y	Y	Y	Y	Y	Y
Japan Credit Bureau (JPY only)	Y	Y	Y		Y	Y
Mastercard	Y	Y	Y	Y	Y	Y
Visa	Y	Y	Y	Y	Y	Y

Card brand support in Australia by transaction type:

Card brand support in Australia by transaction type
Card brand	Sale	Authorization	Refund	Card verification	Void/reversal	Partial reversal
American Express	Y	Y	Y	Y	Y	Y
eftpos	Y		Y
Japan Credit Bureau	Y	Y	Y		Y	Y
Mastercard	Y	Y	Y	Y	Y	Y
Visa	Y	Y	Y	Y	Y	Y

Authentication

Each country or region has consumer protection regulations that may include cardholder authentication. Ensure that you are aware of these requirements and preferences, as authorization rates and processing costs could be impacted. Supported authentication options are:

Address verification service (AVS)
Card verification value (CVV)
3-D Secure (3DS)

AVS contains consumer information sent within a verification or authorization request to the issuer. The issuer validates the billing information and provides a result code in the response. You should interrogate the result code in the response to ensure the consumer information submitted is correct before proceeding with the payment. Not all regions or issuers support this service.

The CVV is the 3 or 4-digit value printed on the front or back of a payment card. The issuer validates this code, and then sends back the card security result code in the response. You should interrogate the card verification result code to ensure it indicates that the submitted CVV is correct before proceeding with the payment.

The 3DS protocol allows issuers to directly authenticate cardholders prior to authorization and is required in some countries for e-commerce merchants. After a cardholder is authenticated, 3DS response fields are included in the authorization request. You should interrogate the 3DS response field results to ensure the cardholder authentication is a match before proceeding with the payment.

Tip

Learn more about 3D Secure authentication.

Cardholder statement descriptors

Cardholder statement descriptors are used to populate merchant specific data on the cardholder’s statement, if supported by the settlement processor and the issuer. Be sure that the submitted data is understandable and recognizable to the cardholder, since unrecognizable descriptors may result in the consumer disputing the payment.

Use the statementDescriptor to indicate your business name as you want it to appear on the consumer’s statement (if you want your business name on the consumer’s statement to be different from the default business name set up during the onboarding process).

Note

In the US, Canada, Europe, and the U.K., the statementDescriptor field has a maximum length of 38 characters. If you send more than 38 characters, the value is truncated from the right.

Soft merchant data

To provide additional merchant specific information for the consumer’s statement, you have the option of populating soft merchant data fields. Soft merchant data is currently supported only for US merchants and must be enabled during onboarding for your use.

The following fields are supported for softMerchant data:

Tip

If you send both soft merchant data and a statement descriptor in the payment request, the soft merchant data takes precedence and is sent to the issuer.

Json

{
    "softMerchant": {
        "name": "John Doe",
        "phone": "1234567890",
        "email": "example@example.com",
        "url": "https://www.example.com",
        "address": {
            "line1": "1234 Main Street",
            "line2": "Apartment 3B",
            "city": "New York",
            "state": "NY",
            "postalCode": "10111",
            "countryCode": "USA",
        },
        "merchantPurchaseDescription": "softmerchant description",
        "visaMerchantVerificationValueId": "string",
        "masterCardMerchantVerificationValueId": "string",
        "merchantIncorporationStatus": "string",
        "foreignMerchantIndicator": true
    }
}

Sub-merchant data

For clients who aggregate transactions submitted to J.P. Morgan on behalf of multiple merchants (sub-merchants), we provide the means to send sub-merchant identifying fields as required by the card brands. This can be accomplished by sending soft merchant data and sub-merchant data fields in your API request to identify the sub-merchant.

Attention

Soft merchant data and sub-merchant data require additional setup by J.P. Morgan to activate these features. As a new client, contact your sales representative. For existing clients, contact your relationship manager.

To identify your sub-merchant, submit the following fields in the subMerchantSupplementalData.merchantIdentification object:

subMerchantId — Generate a unique value to identify your sub-merchant.
serviceEntitlementNumber — Assigned by the payment brand.
sellerIdentifier — Assigned by J.P. Morgan to process American Express.

Tip

The subMerchantId field populates the first portion of the merchant order number field on your reports. The max length of the merchant order number is 22 characters, including the sub-merchant ID. If the merchant order number length is greater than 22, we truncate from the left.

For aggregators, American Express transactions require the following fields:

merchant.merchantCategoryCode
merchant.softMerchant.name
merchant.softMerchant.phone
merchant.softMerchant.email
merchant.softMerchant.address.line1
merchant.softMerchant.address.city
merchant.softMerchant.address.state
merchant.softMerchant.address.postalCode
merchant.softMerchant.address.countryCode
subMerchantSupplementalData.merchantIdentification.sellerIdentifier
subMerchantSupplementalData.merchantIdentification.serviceEntitlementNumber

Here is an example American Express request with sub-merchant and soft merchant data fields:

Json

{
    "captureMethod": "NOW",
    "amount": 10000,
    "currency": "USD",
    "merchantOrderNumber": "54568787",
    "statementDescriptor": "statement",
    "initiatorType": "CARDHOLDER",
    "accountOnFile": "STORED",
    "paymentMethodType": {
        "card": {
            "accountNumber": "341134113411347",
            "expiry": {
                "month": 12,
                "year": 2027
            }
        }
    },
    "recurring": {
        "recurringSequence": "FIRST"
    },
    "merchant": {
        "merchantSoftware": {
            "companyName": "Payment Company",
            "productName": "Application Name",
            "version": "1.0"
        },
        "merchantCategoryCode": 8398,
        "softMerchant": {
            "visaMerchantVerificationValueId": "123",
            "masterCardMerchantVerificationValueId": "123",
            "merchantIncorporationStatus": "6",
            "foreignMerchantIndicator": true,
            "name": "DoggieDaycare*Boarding",
            "phone": "877-777-7777",
            "email": "example@example.com",
            "url": "softmerchanturl",
            "address": {
                "line1": "252 Walkabout Road",
                "line2": "Suite 252",
                "city": "Blue",
                "state": "FL",
                "postalCode": "33333",
                "countryCode": "USA"
            }
        }
    },
    "installment": {
        "totalInstallments": "1"
    },
    "accountHolder": {
        "billingAddress": {
            "line1": "1 NORTHEASTERN BLVD",
            "line2": "",
            "city": "BEDFORD",
            "state": "NH",
            "postalCode": "03109"
        }
    },
    "subMerchantSupplementalData": {
        "merchantIdentification": {
            "sellerIdentifier": "123",
            "serviceEntitlementNumber": "1234",
            "subMerchantId": "abc123"
        }
    }
}

Response:

Json

{
    "transactionId": "ec2a68c5-11c4-4f7d-95c4-69028ed45d0c",
    "requestId": "a20c3c29-99cb-4ffe-8aba-c56f7cf4ae60",
    "transactionState": "CLOSED",
    "responseStatus": "SUCCESS",
    "responseCode": "APPROVED",
    "responseMessage": "Transaction approved by Issuer",
    "paymentMethodType": {
        "card": {
            "cardType": "AX",
            "cardTypeName": "AMERICAN_EXPRESS",
            "maskedAccountNumber": "341134XXXXX1347",
            "networkResponse": {
                "addressVerificationResult": "ADDRESS_POSTALCODE_MATCH",
                "addressVerificationResultCode": "I3",
                "networkTransactionId": "014124555553397",
                "networkResponseCode": "000"
            }
        }
    },
    "captureMethod": "NOW",
    "captureTime": "2024-05-03T18:53:11.508Z",
    "initiatorType": "CARDHOLDER",
    "accountOnFile": "STORED",
    "isVoid": false,
    "transactionDate": "2024-05-03T18:53:11.508Z",
    "approvalCode": "tst620",
    "hostMessage": "Approved",
    "amount": 10000,
    "currency": "USD",
    "remainingRefundableAmount": 10000,
    "remainingAuthAmount": 0,
    "hostReferenceId": "ZFuj0QQMDADSMTciQOJhH2",
    "statementDescriptor": "statement",
    "merchant": {
        "merchantId": "000017904333",
        "merchantSoftware": {
            "companyName": "Payment Company",
            "productName": "Application Name",
            "version": "1.0"
        },
        "merchantCategoryCode": "8398",
        "softMerchant": {
            "name": "DoggieDaycare*Boarding",
            "phone": "877-777-7777",
            "email": "example@example.com",
            "url": "softmerchanturl",
            "address": {
                "city": "Blue",
                "postalCode": "33333",
                "countryCode": "USA"
            },
            "visaMerchantVerificationValueId": "123",
            "masterCardMerchantVerificationValueId": "123",
            "merchantIncorporationStatus": "6",
            "foreignMerchantIndicator": true
        }
    },
    "recurring": {
        "recurringSequence": "FIRST"
    },
    "installment": {
        "totalInstallments": 1
    },
    "paymentRequest": {
        "paymentRequestId": "ec2a68c5-11c4-4f7d-95c4-69028ed45d0c",
        "paymentRequestStatus": "CLOSED",
        "authorizations": [
            {
                "authorizationId": "ec2a68c5-11c4-4f7d-95c4-69028ed45d0c",
                "amount": 10000,
                "transactionStatusCode": "CAPTURED",
                "authorizationType": "INITIAL"
            }
        ],
        "captures": [
            {
                "captureId": "ec2a68c5-11c4-4f7d-95c4-69028ed45d0c",
                "amount": 10000,
                "transactionStatusCode": "CLOSED",
                "captureRemainingRefundableAmount": 10000
            }
        ]
    },
    "subMerchantSupplementalData": {
        "merchantIdentification": {
            "sellerIdentifier": "123",
            "serviceEntitlementNumber": "1234",
            "subMerchantId": "abc123"
        }
    }
}

Here is an example Visa request with sub-merchant and soft merchant data fields:

Json

{
    "amount": 10000,
    "currency": "USD",
    "merchantOrderNumber": "54568787",
    "initiatorType": "CARDHOLDER",
    "accountOnFile": "STORED",
    "paymentMethodType": {
        "card": {
            "accountNumber": "4112344112344113",
            "expiry": {
                "month": 12,
                "year": 2027
            },
            "cvv": 111
        }
    },
    "merchant": {
        "merchantSoftware": {
            "companyName": "Payment Company",
            "productName": "Application Name",
            "version": "1.0"
        },
        "softMerchant": {
            "name": "DoggieDaycare*Boarding",
            "phone": "877-777-7777",
            "email": "example@example.com",
            "url": "softmerchanturl",
            "address": {
                "line1": "252 Walkabout Road",
                "line2": "Suite 252",
                "city": "Blue",
                "state": "FL",
                "postalCode": "33333",
                "countryCode": "USA"
            },
            "visaMerchantVerificationValueId": "1234567890",
            "masterCardMerchantVerificationValueId": "0987654321"
        }
    },
    "subMerchantSupplementalData": {
        "merchantIdentification": {
            "sellerIdentifier": "sellerID",
            "serviceEntitlementNumber": "SENumber",
            "subMerchantId": "abc123"
        }
    }
}

Response:

Json

{
    "transactionId": "91ae4a76-667e-40e4-b219-6fd2b24fa0b5",
    "requestId": "37919261-32b5-42fb-8591-9c9850132b5f",
    "transactionState": "CLOSED",
    "responseStatus": "SUCCESS",
    "responseCode": "APPROVED",
    "responseMessage": "Transaction approved by Issuer",
    "paymentMethodType": {
        "card": {
            "cardType": "VI",
            "cardTypeName": "VISA",
            "maskedAccountNumber": "411234XXXXXX4113",
            "cardTypeIndicators": {
                "issuanceCountryCode": "USA",
                "isDurbinRegulated": false,
                "cardProductTypes": [
                    "COMMERCIAL",
                    "PINLESS_DEBIT"
                ]
            },
            "networkResponse": {
                "addressVerificationResult": "NOT_REQUESTED",
                "cardVerificationResult": "MATCH",
                "cardVerificationResultCode": "M",
                "networkTransactionId": "014086692160865",
                "paymentAccountReference": "Q1J4Z28RKA1EBL470G9XYG90R5D3E",
                "networkResponseCode": "00"
            }
        }
    },
    "initiatorType": "CARDHOLDER",
    "accountOnFile": "STORED",
    "isVoid": false,
    "transactionDate": "2024-03-26T11:47:51.996Z",
    "approvalCode": "tst176",
    "hostMessage": "Approved",
    "amount": 10000,
    "currency": "USD",
    "remainingRefundableAmount": 10000,
    "remainingAuthAmount": 0,
    "hostReferenceId": "mcxraOPVAd2Xa4offSjyX7",
    "merchant": {
        "merchantId": "000017904333",
        "merchantSoftware": {
            "companyName": "Payment Company",
            "productName": "Application Name",
            "version": "1.0"
        },
        "merchantCategoryCode": "4899",
        "softMerchant": {
            "name": "DoggieDaycare*Boarding",
            "phone": "877-777-7777",
            "email": "example@example.com",
            "url": "softmerchanturl",
            "address": {
                "city": "Blue",
                "postalCode": "33333",
                "countryCode": "USA"
            },
            "visaMerchantVerificationValueId": "1234567890",
            "masterCardMerchantVerificationValueId": "0987654321"
        }
    },
    "paymentRequest": {
        "paymentRequestId": "91ae4a76-667e-40e4-b219-6fd2b24fa0b5",
        "paymentRequestStatus": "CLOSED",
        "authorizations": [
            {
                "authorizationId": "91ae4a76-667e-40e4-b219-6fd2b24fa0b5",
                "amount": 10000,
                "transactionStatusCode": "CAPTURED",
                "authorizationType": "INITIAL"
            }
        ],
        "captures": [
            {
                "captureId": "91ae4a76-667e-40e4-b219-6fd2b24fa0b5",
                "amount": 10000,
                "transactionStatusCode": "CLOSED",
                "captureRemainingRefundableAmount": 10000
            }
        ]
    },
    "subMerchantSupplementalData": {
        "merchantIdentification": {
            "sellerIdentifier": "sellerID",
            "serviceEntitlementNumber": "SENumber",
            "subMerchantId": "abc123"
        }
    }
}

Reducing disputes

Cardholders have payment dispute rights, which vary depending on the card brand and region of card issuance. Each country has different consumer protection laws, and you should familiarize yourself with them if you intend to accept card payments internationally. The payment brands and card issuers also provide detailed guidance on strategies to reduce card disputes and chargebacks.

Other than fraud cases, the cardholder may initiate a dispute when they do not recognize a purchase on their account history. The dispute can turn into a chargeback, which means you are charged for the disputed transaction and must go through chargeback resolution steps to recover the payment amount from your cardholder.

Here are ways that you can reduce disputes:

Provide a clear and accurate statement descriptor or soft merchant data in a payment request. This helps ensure that the cardholder can identify your transaction and can contact you in case of any uncertainty.
Ensure transactions are processed within the period expected by the cardholder and make it easy for them to find your contact information.
Remember that the amount of information printed on a statement depends on the card issuer. By default, your company information gathered during your J.P. Morgan onboarding process is sent in the payment request to the card issuer. You may be able to override these defaults by using statement descriptors and/or soft merchant data.

Attention

It’s important to remain transparent about the following:

When a consumer is charged or refunded
How much they are charged
Refund or exchange policies, terms and conditions, warranties, and limitations
Conditions related to the transaction
How to contact you in case the consumer has a question.

A dispute can sometimes be avoided if the consumer can pair an already credited refund with the purchase due to the transaction descriptors in their account history.

US PINless debit

Consumers use US PINless debit cards for online bill payment and purchase transactions. PINless debit methods of payment must be enabled on your J.P. Morgan account profile. During onboarding, select the type of PINless debit transactions you process from the following options:

Acceptance of bill pay transactions
Acceptance of online purchase transactions

Routing preference

Also during onboarding, select from one of the following PINless debit transaction routing options:

Merchant-directed routing
Acquirer-managed routing

For merchant-directed routing, send merchantPreferredRouting as either CREDIT or PINLESS for each transaction. The transaction is routed based on your preference. If you do not submit a preference, J.P. Morgan routes the transaction based on card eligibility. If preferred routing is not available based on card eligibility, an error is returned.

For acquirer-managed routing, send the account number without providing a routing preference. J.P. Morgan determines the optimal routing based on card eligibility. If you provide a routing preference, but the preference is not available based on card eligibility, the transaction is reassigned to an alternative routing option. Due to the potential change in routing, include the required fields for both credit and debit processing.

PINless debit network preference

To provide a debit network routing preference for an online bill payment or purchase transaction, indicate the name of the debit network in the preferredPaymentNetworkNameList field. The cardType and cardTypeName fields in the response indicate where the transaction was processed.

Note

You must send a PINless debit void transaction within 90 minutes of the original transaction.
Partial authorization reversals are not available for PINless debit.

PINless debit request fields
Field	PINless Type	Required
accountHolder.`billingAddress`	Online purchase	Yes
paymentMethodType.card.`isBillPayment`	Bill pay	Yes
paymentMethodType.card.`merchantPreferredRouting`	Bill pay and online purchase
paymentMethodType.card.`merchantSalesChannelName`	Bill pay and online purchase
paymentMethodType.card.`preferredPaymentNetworkNameList`	Bill pay and online purchase
accountHolder.`referenceId`	Bill pay	Yes

PINless debit response fields
Field	Description
paymentMethodType.card.networkResponse.`debitTraceNumber`	The reference number generated for the debit transaction.

The following example of a US PINless debit bill pay transaction uses merchant-directed routing and sets the PINless debit network preference to the STAR debit network:

HTTP method: POST
Endpoint: /payments

Json

{
    "captureMethod": "MANUAL",
    "amount": 10000,
    "currency": "USD",
    "paymentMethodType": {
        "card": {
            "accountNumber": "4935550000000006",
            "expiry": {
                "month": 12,
                "year": 2027
            },
            "cvv": 411,
            "isBillPayment": true,
            "merchantPreferredRouting": "PINLESS",
            "merchantSalesChannelName": "MAIL_ORDER_TELEPHONE_ORDER",
            "preferredPaymentNetworkNameList": [
                "STAR_PINLESS"
            ]
        }
    },
    "merchant": {
        "merchantSoftware": {
            "companyName": "Payment Company",
            "productName": "Application Name"
        }
    },
    "accountHolder": {
        "referenceId": "ABC123GHI9807654"
    }
}

Response:

Json

{
    "transactionId": "35ee1207-1831-40d8-a2ce-86aa993843cf",
    "requestId": "e7ba7368-5468-41a6-8dbb-039cc72ee553",
    "transactionState": "AUTHORIZED",
    "responseStatus": "SUCCESS",
    "responseCode": "APPROVED",
    "responseMessage": "Transaction approved by Issuer",
    "paymentMethodType": {
        "card": {
            "cardType": "SP",
            "cardTypeName": "STAR_PINLESS",
            "isBillPayment": true,
            "maskedAccountNumber": "493555XXXXXX0006",
            "networkResponse": {
                "addressVerificationResult": "NOT_REQUESTED",
                "additionalData": {
                    "electronicCommerceIndicator": "1",
                    "authorizationResponseCategory": "X - Not supported MOP"
                },
                "networkResponseCode": "00",
                "debitTraceNumber": "00195881"
            },
            "preferredPaymentNetworkNameList": [
                "STAR_PINLESS"
            ],
            "merchantSalesChannelName": "MAIL_ORDER_TELEPHONE_ORDER",
            "merchantPreferredRouting": "PINLESS"
        }
    },
    "captureMethod": "MANUAL",
    "initiatorType": "CARDHOLDER",
    "accountOnFile": "NOT_STORED",
    "isVoid": false,
    "transactionDate": "2024-03-14T18:10:29.056Z",
    "approvalCode": "093217",
    "hostMessage": "Approved",
    "amount": 10000,
    "currency": "USD",
    "remainingAuthAmount": 10000,
    "hostReferenceId": "zr1HxWwReEJr0Zlg1niwV3",
    "statementDescriptor": "star-merchant",
    "merchant": {
        "merchantId": "000017904374",
        "merchantSoftware": {
            "companyName": "Payment Company",
            "productName": "Application Name"
        },
        "merchantCategoryCode": "4899"
    },
    "paymentRequest": {
        "paymentRequestId": "35ee1207-1831-40d8-a2ce-86aa993843cf",
        "paymentRequestStatus": "PENDING",
        "authorizations": [
            {
                "authorizationId": "35ee1207-1831-40d8-a2ce-86aa993843cf",
                "amount": 10000,
                "transactionStatusCode": "AUTHORIZED",
                "authorizationType": "INITIAL"
            }
        ]
    }
}

eftpos Australia

With support for online purchase transactions, eftpos Australia is the debit card network in Australia. eftpos dual-branded cards process locally in Australia via the eftpos network and internationally through Mastercard and Visa.

Contact your sales representative or relationship manager to enable eftpos Australia on your J.P. Morgan account profile.

During onboarding, select from one of the following debit transaction routing options:

Merchant-directed routing
Acquirer-managed routing

Attention

For merchant-directed routing, if we cannot use your preferred routing based on card eligibility, J.P. Morgan returns an error.

For acquirer-managed routing, send the account number without providing a routing preference. J.P. Morgan determines the optimal routing based on card eligibility. If you provide a routing preference, but the preference is not available based on the card eligibility, the transaction is reassigned to an alternative routing option. Due to the potential change in routing, include the required fields for both credit and debit processing.

The cardType and cardTypeName fields in the response indicate where the transaction was processed.

Note

For PINless debit e-commerce transactions, the billingAddress field is required.
Partial authorization reversals are not available for PINless debit.

eftpos PINless debit request fields
Field	Description
`merchantPreferredRouting`	Indicates the routing model used to route the transaction as preferred by the merchant. Values: `CREDIT` `PINLESS`
`merchantSalesChannelName`	Describes the interaction between the consumer and merchant for the transaction. How the consumer performs the transaction with you. Send one of the following values: `MAIL_ORDER_TELEPHONE_ORDER` `MAIL_ORDER` `TELEPHONE_ORDER` `INTERNET` `INTERACTIVE_VOICE_RESPONSE`
`preferredPaymentNetworkNameList`	The name of the preferred debit payment network to process the transaction. This field is optional. Value: `EFTPOS_PINLESS`

eftpos PINless debit response fields
Field	Description
`retrievalReferenceNumber`	The reference number generated for the debit transaction.

Tip

If you process recurring transactions, refer to Recurring payments in conjuction with eftpos Australia to ensure you provide the necessary data.

The following example of an eftpos Australia transaction uses merchant-directed routing:

HTTP method: POST

Endpoint: /payments

Json

{
    "captureMethod": "NOW",
    "amount": 25600,
    "currency": "AUD",
    "merchant": {
        "merchantSoftware": {
            "companyName": "Payment Company",
            "productName": "Application Name",
            "version": 1.235
        },
        "merchantCategoryCode": 4899
    },
    "accountHolder": {
        "billingAddress": {
            "line1": "APT 2",
            "line2": "1 NORTHEASTERN BLVD",
            "city": "BEDFORD",
            "state": "NH",
            "postalCode": "03109-1234",
            "countryCode": "AUS"
        }
    },
    "merchantOrderNumber": "123456",
    "paymentMethodType": {
        "card": {
            "accountNumber": "4687380100010006",
            "merchantPreferredRouting": "PINLESS",
            "expiry": {
                "month": 12,
                "year": 2026
            }
        }
    }
}

Response:

Json

{
    "transactionId": "58d84d84-0509-4ab5-8ad1-000fb4aa62ac",
    "requestId": "6b8b075a-e57f-4bab-93b6-47ac78daff84",
    "transactionState": "CLOSED",
    "responseStatus": "SUCCESS",
    "responseCode": "APPROVED",
    "responseMessage": "Transaction approved by issuer.",
    "paymentMethodType": {
        "card": {
            "cardType": "EP",
            "cardTypeName": "EFTPOS_PINLESS",
            "maskedAccountNumber": "468738XXXXXX0006",
            "networkResponse": {
                "additionalData": {
                    "authorizationDate": "2025-02-18T09:29:16.209Z",
                    "retrievalReferenceNumber": "504909100018",
                    "systemTraceAuditNumber": "100018"
                },
                "networkTransactionId": "55363523131",
                "networkAccountUpdater": {
                    "networkResponseCode": "00"
                },
                "networkResponseCode": "00"
            },
            "merchantPreferredRouting": "PINLESS"
        }
    },
    "captureMethod": "NOW",
    "captureTime": "2025-02-18T09:29:16.209Z",
    "isVoid": false,
    "transactionDate": "2025-02-18T09:29:16.209Z",
    "hostMessage": "00",
    "isAmountFinal": true,
    "amount": 25600,
    "currency": "AUD",
    "remainingRefundableAmount": 25600,
    "remainingAuthAmount": 0,
    "merchant": {
        "merchantId": "998407663761",
        "merchantSoftware": {
            "companyName": "Payment Company",
            "productName": "Application Name",
            "version": "1.235"
        },
        "merchantCategoryCode": "4899"
    },
    "paymentRequest": {
        "paymentRequestId": "58d84d84-0509-4ab5-8ad1-000fb4aa62ac",
        "paymentRequestStatus": "CLOSED",
        "authorizations": [
            {
                "authorizationId": "58d84d84-0509-4ab5-8ad1-000fb4aa62ac",
                "amount": 25600,
                "transactionStatusCode": "CAPTURED",
                "authorizationType": "INITIAL"
            }
        ],
        "captures": [
            {
                "captureId": "58d84d84-0509-4ab5-8ad1-000fb4aa62ac",
                "amount": 25600,
                "transactionStatusCode": "CLOSED",
                "captureRemainingRefundableAmount": 26000
            }
        ]
    }
}

US health benefit cards

Consumers use health benefit cards, such as Health Savings Account (HSA) and Flexible Spending Account (FSA) cards, to make qualified health-related online purchase payments. Visa and Mastercard support health benefit card transactions.

Your J.P. Morgan account profile must be enabled for you to accept health benefit cards. Additional health benefit payment related requirements apply if you are required to register with the Special Interest Group for Inventory Information Approval System (IIAS) Standards (SIGIS).

Note

If you process under an approved medical MCC, no additional requirements are necessary to process health benefit card transactions. Send health benefit card transactions in the same manner as other payment transactions. However, if you process under a non-medical MCC, verify which of the following requirements apply to you:

Registration with SIGIS
Registration for health benefit card transactions with the card brands (Mastercard and Visa)
Certification of health benefit card transactions with J.P. Morgan
Implementation of an IIAS
Submission of additional health benefit related fields on transactions

Additional health benefit transaction request fields for a non-medical MCC
Field	Required	Description
totalHealthcareAmount	Y	Specifies the total monetary value of the qualified health benefit purchase.
totalVisionAmount		Specifies the total monetary value of the qualified vision/optical purchase.
totalClinicAmount		Specifies the total monetary value of the qualified clinic and other purchases.
totalDentalAmount		Specifies the total monetary value of the qualified dental purchase.
totalPrescriptionAmount		Specifies the total monetary value of the qualified prescription purchase.
isIIAS	Y	Indicates the merchant operates an IIAS to calculate the `totalHealthcareAmount` for the transaction. Required for each transaction to comply with an IIAS.

Tip

Send health benefit card authorizations with support for partial authorizations to allow for approval of an amount less than the requested authorization amount based on the available balance of the HSA/FSA card. For field requirements, refer to partial authorization support.

Additional health benefit transaction response fields for a non-medical MCC
Field	Description
totalHealthcareAmount	Specifies the approved total monetary value of the qualified health benefit purchase, which could be less than the requested amount if partial authorization is supported.
totalVisionAmount	Specifies the approved total monetary value of qualified vision/optical purchase, which could be less than the requested amount if partial authorization is supported.
totalClinicAmount	Specifies the approved total monetary value of qualified clinic and other purchases, which could be less than the requested amount if partial authorization is supported.
totalDentalAmount	Specifies the approved total monetary value of qualified dental purchase, which could be less than the requested amount if partial authorization is supported.
totalPrescriptionAmount	Specifies the approved total monetary value of qualified prescription purchase, which could be less than the requested amount if partial authorization is supported.
isIIAS	Indicates the merchant operates an IIAS to calculate the `totalHealthcareAmount` for the transaction. The response echoes the value in the request (`true` or `false`).

The following is an example of a health benefit card payment request:

HTTP method: POST
Endpoint: /payments

Json

{
    "captureMethod": "NOW",
    "amount": 10000,
    "currency": "USD",
    "statementDescriptor": "statement",
    "initiatorType": "CARDHOLDER",
    "accountOnFile": "STORED",
    "paymentMethodType": {
        "card": {
            "accountNumber": "5299999999999990",
            "expiry": {
                "month": 5,
                "year": 2040
            },
            "cvv": "613"
        }
    },
    "merchant": {
        "merchantSoftware": {
            "companyName": "J.P. Morgan Chase",
            "productName": "Application name",
            "version": "1.0"
        }
    },
    "accountHolder": {
        "billingAddress": {
            "line1": "1 NORTHEASTERN BLVD",
            "line2": "",
            "city": "BEDFORD",
            "state": "NH",
            "postalCode": "03109",
            "countryCode": "USA"
        }
    },
    "retailAddenda": {
        "taxAmount": 100,
        "isTaxable": true,
        "purchaseOrderNumber": "1234567890",
        "orderDate": "2019-09-10",
        "healthcareData": {
            "totalHealthcareAmount": 10000,
            "totalVisionAmount": 0,
            "totalClinicAmount": 9000,
            "totalDentalAmount": 0,
            "totalPrescriptionAmount": 1000,
            "isIIAS": true
        }
    }
}

Response:

Json

{
    "transactionId": "bbac95b6-dec9-49de-b264-33ba8758be07",
    "requestId": "b625213c-c148-4d0a-b0cb-664753c9f0bc",
    "transactionState": "CLOSED",
    "responseStatus": "SUCCESS",
    "responseCode": "APPROVED",
    "responseMessage": "Transaction approved by Issuer",
    "paymentMethodType": {
        "card": {
            "cardType": "MC",
            "cardTypeName": "MASTERCARD",
            "maskedAccountNumber": "529999XXXXXX9990",
            "networkResponse": {
                "addressVerificationResult": "ADDRESS_POSTALCODE_MATCH",
                "addressVerificationResultCode": "I3",
                "additionalData": {
                    "electronicCommerceIndicator": "7",
                    "authorizationResponseCategory": "X - Not supported MOP"
                },
                "cardVerificationResult": "MATCH",
                "cardVerificationResultCode": "M",
                "networkTransactionId": "FAK5299990313",
                "paymentAccountReference": "ASG4B48SMC3GDN692I1ZAI12T7F5G",
                "networkResponseCode": "000"
            }
        }
    },
    "captureMethod": "NOW",
    "captureTime": "2024-03-13T21:10:28.026Z",
    "initiatorType": "CARDHOLDER",
    "accountOnFile": "STORED",
    "isVoid": false,
    "transactionDate": "2024-03-13T21:10:28.026Z",
    "approvalCode": "tst452",
    "hostMessage": "Approved",
    "amount": 10000,
    "currency": "USD",
    "remainingRefundableAmount": 10000,
    "remainingAuthAmount": 0,
    "hostReferenceId": "V6AvKG1PV2a1pDgV2bOcS2",
    "statementDescriptor": "statement",
    "merchant": {
        "merchantId": "000017904374",
        "merchantSoftware": {
            "companyName": "J.P. Morgan Chase",
            "productName": "Application name",
            "version": "1.0"
        },
        "merchantCategoryCode": "5912"
    },
    "retailAddenda": {
        "purchaseOrderNumber": "1234567890",
        "orderDate": "2019-09-10",
        "taxAmount": 100,
        "isTaxable": true,
        "healthcareData": {
            "totalHealthcareAmount": 10000,
            "totalVisionAmount": 0,
            "totalClinicAmount": 9000,
            "totalDentalAmount": 0,
            "totalPrescriptionAmount": 1000,
            "isIIAS": true
        }
    },
    "paymentRequest": {
        "paymentRequestId": "bbac95b6-dec9-49de-b264-33ba8758be07",
        "paymentRequestStatus": "CLOSED",
        "authorizations": [
            {
                "authorizationId": "bbac95b6-dec9-49de-b264-33ba8758be07",
                "amount": 10000,
                "transactionStatusCode": "CAPTURED",
                "authorizationType": "INITIAL"
            }
        ],
        "captures": [
            {
                "captureId": "bbac95b6-dec9-49de-b264-33ba8758be07",
                "amount": 10000,
                "transactionStatusCode": "CLOSED",
                "captureRemainingRefundableAmount": 10000
            }
        ]
    }
}

Commercial cards

Commercial cards are payment cards issued by financial institutions to businesses and organizations to manage business-related expenses. The individual products include Corporate, Business, and Purchase or Purchasing cards. The American Express product is called Corporate Purchasing. To be eligible for a better rate when you accept a commercial card, provide additional data in the payment. Additional data applicable to commercial cards is categorized as level 2 and level 3 data. The requirements for level 2 and level 3 data vary by card brand.

Level 2 data

A commercial card with support for level 2 data offers enhanced transaction data capabilities for the cardholder. The additional level 2 information enables effective expense management and compliance for the cardholder's business.

Benefits

Gives businesses greater control over their transactions
Introduces eligibility for improved interchange
More efficiently manages operations
Allows for streamlined reporting and reconciliation
Improves security against fraud
Enhances customer insights and marketing trends

Review the following level 2 data field requirements by payment brand:

Level 2 data fields
Field	Visa/ChaseNet	Mastercard	American Express	Discover
retailAddenda.`purchaseOrderNumber`	Optional	Required	Optional	Optional
retailAddenda.`taxAmount`	Required	Required	Optional	Optional
retailAddenda.`isTaxable`	Optional	Required	Optional	Required
shipTo.shippingAddress.`postalCode`	Optional	Optional	Required	Optional

Level 3 data

Purchase card level 3 data is detailed transaction information such as descriptions, quantities, and prices during a credit card transaction, often required for business-to-business transactions. Include this data to provide transparency and details about the purchase to be eligible to qualify for a lower interchange rate.

Send purchase card level 3 data in your card payment requests to identify information about an order and the individual items contained (line-item details). Send level 3 data in either the payment authorization or capture request. The card brand receives level 3 data at settlement.

Benefits

The benefits of level 3 data include:

Enhanced reporting on the cardholder statement: Provides detailed transaction data, such as item descriptions, quantities, and prices, which can improve financial reporting and analysis for your customer. The level of reporting available on the cardholder statement varies per card issuer.
Cost savings: Merchant businesses often receive lower interchange fees as card networks offer reduced rates for transactions with level 3 data.
Streamlined reconciliation: Simplifies the reconciliation process with comprehensive transaction details.
Scalable reconciliation: As transaction volumes increase, level 3 data enhances reconciliation for cardholder organizations such as government agencies and large corporations by streamlining and improving the reconciliation process.

Tip

To refund a line item within a payment request, enter a negative sign in the taxInclusiveLineItemTotalAmount value. For example, in US dollars, the value -12000 indicates a refund of $120.00 for the corresponding line item.

The following is an example of fields for level 3 data with line item details. Add level 3 data fields, such as this example, to your payment or capture request.

HTTP method: POSTEndpoint: /payments

Json

{
    "retailAddenda": {
        "taxAmount": 100,
        "isTaxable": true,
        "purchaseOrderNumber": "1234567890",
        "orderDate": "2019-09-10",
        "level3": {
            "totalShippingAmount": 100,
            "dutyAmount": 500,
            "shipToAddressPostalCode": "33607",
            "shipToAddressCountryCode": "USA",
            "shipFromAddressPostalCode": 34490,
            "totalTransactionDiscountAmount": 20,
            "shippingValueAddedTaxAmount": 50,
            "shippingValueAddedTaxPercent": 10,
            "orderDiscountTreatmentCode": 2,
            "valueAddedTaxAmount": 54,
            "valueAddedTaxPercent": 90,
            "valueAddedTaxInvoiceReferenceNumber": 9999,
            "partyTaxGovernmentIssuedIdentifier": 30,
            "alternateTaxAmount": 2,
            "lineItems": [
                {
                    "lineItemDescriptionText": "Off-road tires",
                    "merchantProductIdentifier": "041",
                    "itemComodityCode": "1234",
                    "lineItemUnitQuantity": "1",
                    "lineItemUnitofMeasureCode": "UNIT",
                    "unitPriceAmount": 1000,
                    "taxInclusiveLineItemTotalAmount": 120,
                    "transactionDiscountAmount": 10,
                    "purchaseTransactionDiscountPercent": 30,
                    "lineItemDiscountTreatmentCode": "1",
                    "lineItemDetailCode": "0",
                    "lineItemTaxIndicator": true,
                    "lineItemDiscountIndicator": true,
                    "lineItemTaxes": [
                        {
                            "lineItemTaxAmount": 30,
                            "taxPercent": "20%",
                            "taxTypeCode": "0124"
                        }
                    ]
                },
                {
                    "lineItemDescriptionText": "Off-road tires",
                    "merchantProductIdentifier": "041",
                    "itemComodityCode": "1234",
                    "lineItemUnitQuantity": "1",
                    "lineItemUnitofMeasureCode": "UNIT",
                    "unitPriceAmount": 1000,
                    "taxInclusiveLineItemTotalAmount": 120,
                    "transactionDiscountAmount": 10,
                    "purchaseTransactionDiscountPercent": 30,
                    "lineItemDiscountTreatmentCode": "1",
                    "lineItemDetailCode": "0",
                    "lineItemTaxIndicator": true,
                    "lineItemDiscountIndicator": true,
                    "lineItemTaxes": [
                        {
                            "lineItemTaxAmount": 30,
                            "taxPercent": "20%",
                            "taxTypeCode": "0124"
                        }
                    ]
                },
                {
                    "lineItemDescriptionText": "Off-road tires",
                    "merchantProductIdentifier": "041",
                    "itemComodityCode": "1234",
                    "lineItemUnitQuantity": "1",
                    "lineItemUnitofMeasureCode": "UNIT",
                    "unitPriceAmount": 1000,
                    "taxInclusiveLineItemTotalAmount": 120,
                    "transactionDiscountAmount": 10,
                    "purchaseTransactionDiscountPercent": 30,
                    "lineItemDiscountTreatmentCode": "1",
                    "lineItemDetailCode": "0",
                    "lineItemTaxIndicator": true,
                    "lineItemDiscountIndicator": true,
                    "lineItemTaxes": [
                        {
                            "lineItemTaxAmount": 30,
                            "taxPercent": "20%",
                            "taxTypeCode": "0124"
                        }
                    ]
                }
            ]
        }
    }
}

Response:

Json

{
    "retailAddenda": {
        "purchaseOrderNumber": "1234567890",
        "orderDate": "2019-09-10",
        "taxAmount": 100,
        "isTaxable": true,
        "level3": {
            "totalShippingAmount": 100,
            "dutyAmount": 500,
            "shipToAddressPostalCode": "33607",
            "shipToAddressCountryCode": "USA",
            "shipFromAddressPostalCode": "34490",
            "totalTransactionDiscountAmount": 20,
            "valueAddedTaxAmount": 54,
            "valueAddedTaxPercent": "90",
            "shippingValueAddedTaxPercent": "10",
            "orderDiscountTreatmentCode": "2",
            "valueAddedTaxInvoiceReferenceNumber": "9999",
            "shippingValueAddedTaxAmount": 50,
            "partyTaxGovernmentIssuedIdentifier": "30",
            "alternateTaxAmount": 2,
            "lineItems": [
                {
                    "lineItemDescriptionText": "Off-road tires",
                    "merchantProductIdentifier": "041",
                    "itemComodityCode": "1234",
                    "lineItemUnitQuantity": "1",
                    "lineItemUnitofMeasureCode": "UNIT",
                    "unitPriceAmount": 1000,
                    "taxInclusiveLineItemTotalAmount": 120,
                    "transactionDiscountAmount": 10,
                    "purchaseTransactionDiscountPercent": "30",
                    "lineItemDiscountTreatmentCode": "1",
                    "lineItemDetailCode": "0",
                    "lineItemTaxIndicator": true,
                    "lineItemDiscountIndicator": true,
                    "lineItemTaxes": [
                        {
                            "taxTypeCode": "0124",
                            "lineItemTaxAmount": 30,
                            "taxPercent": "20%"
                        }
                    ]
                },
                {
                    "lineItemDescriptionText": "Off-road tires",
                    "merchantProductIdentifier": "041",
                    "itemComodityCode": "1234",
                    "lineItemUnitQuantity": "1",
                    "lineItemUnitofMeasureCode": "UNIT",
                    "unitPriceAmount": 1000,
                    "taxInclusiveLineItemTotalAmount": 120,
                    "transactionDiscountAmount": 10,
                    "purchaseTransactionDiscountPercent": "30",
                    "lineItemDiscountTreatmentCode": "1",
                    "lineItemDetailCode": "0",
                    "lineItemTaxIndicator": true,
                    "lineItemDiscountIndicator": true,
                    "lineItemTaxes": [
                        {
                            "taxTypeCode": "0124",
                            "lineItemTaxAmount": 30,
                            "taxPercent": "20"
                        }
                    ]
                },
                {
                    "lineItemDescriptionText": "Off-road tires",
                    "merchantProductIdentifier": "041",
                    "itemComodityCode": "1234",
                    "lineItemUnitQuantity": "1",
                    "lineItemUnitofMeasureCode": "UNIT",
                    "unitPriceAmount": 1000,
                    "taxInclusiveLineItemTotalAmount": 120,
                    "transactionDiscountAmount": 10,
                    "purchaseTransactionDiscountPercent": "30",
                    "lineItemDiscountTreatmentCode": "1",
                    "lineItemDetailCode": "0",
                    "lineItemTaxIndicator": true,
                    "lineItemDiscountIndicator": true,
                    "lineItemTaxes": [
                        {
                            "taxTypeCode": "0124",
                            "lineItemTaxAmount": 30,
                            "taxPercent": "20%"
                        }
                    ]
                }
            ]
        }
    }
}

Visa, ChaseNet, and Mastercard requirements

Visa, ChaseNet, and Mastercard only support line-item data on level 3-capable cards. The authorization response identifies if the card is level 3 capable.

If the paymentMethodType.card.cardTypeIndicators.isLevel3Eligible value is true, the card can support level 3 line-item data. If the paymentMethodType.card.cardTypeIndicators.isLevel3Eligible value is false, the card is not capable of supporting level 3 line-item data. If you send level 3 data on all payment requests, we only send level 3 data to the card networks when eligible.

On Visa transactions, the transaction amount must equal the total of all of the retailAddenda.level3.lineItems[ ].taxInclusiveLineItemTotalAmount values plus the retailAddenda.level3.totalShippingAmount plus the retailAddenda.level3.dutyAmount plus the retailAddenda.level3.shippingValueAddedTaxAmount minus the retailAddenda.level3.totalTransactionDiscountAmount. If the totals are not correct, Online Payments returns an error.

Mastercard requires level 2 data when supporting purchase card level 3 data. The required fields are:

retailAddenda.purchaseOrderNumber
retailAddenda.taxAmount
retailAddenda.isTaxable

For a payment with level 3 data, review the following field requirements for Visa and Mastercard:

Visa and Mastercard level 3 field requirements
Field	Visa	Mastercard	Notes
retailAddenda.`purchaseOrderNumber`	Optional	Required	Level 2 field
retailAddenda.`orderDate`	Optional	Optional	Level 2 field
retailAddenda.`taxAmount`	Optional	Required	Level 2 field
retailAddenda.`isTaxable`	Optional	Required	Level 2 field
retailAddenda.level3.`totalShippingAmount`	Required	Optional
retailAddenda.level3.`dutyAmount`	Required	Optional
retailAddenda.level3.`shipToAddressPostalCode`	Required	Required	Conditionally required if the transaction involves shipment.
retailAddenda.level3.`shipToAddressCountryCode`	Required	Optional	Conditionally required if the transaction involves shipment.
retailAddenda.level3.`shipFromAddressPostalCode`	Required	Optional	Conditionally required if the transaction involves shipment.
retailAddenda.level3.`totalTransactionDiscountAmount`	Required	N/A	Conditionally required if the transaction is discounted.
retailAddenda.level3.`valueAddedTaxAmount`	Required	Optional	Provide if VAT tax applies.
retailAddenda.level3.`valueAddedTaxPercent`	Required	N/A	Provide if VAT tax applies.
retailAddenda.level3.`shippingValueAddedTaxAmount`	Required	N/A	Provide if VAT tax applies.
retailAddenda.level3.`shippingValueAddedTaxPercent`	Required	N/A	Provide if VAT tax applies.
retailAddenda.level3.`orderDiscountTreatmentCode`	Optional	N/A
retailAddenda.level3.`taxTreatmentCode`	Optional	N/A
retailAddenda.level3.`valueAddedTaxInvoiceReferenceNumber`	Optional	N/A
retailAddenda.level3.`partyTaxGovernmentIssuedIdentifier`	Optional	Required
retailAddenda.level3.`alternateTaxAmount`	N/A	Optional	Conditionally required if an alternate tax amount applies.
retailAddenda.level3.`lineItems[ ]`	Required	Required	Send at least one line item.
retailAddenda.level3.lineItems[ ].`lineItemDescriptionText`	Required	Required
retailAddenda.level3.lineItems[ ].`merchantProductIdentifier`	Required	Required
retailAddenda.level3.lineItems[ ].`itemComodityCode`	Required	Optional
retailAddenda.level3.lineItems[ ].`lineItemUnitQuantity`	Required	Required
retailAddenda.level3.lineItems[ ].`lineItemUnitofMeasureCode`	Required	Required
retailAddenda.level3.lineItems[ ].`unitPriceAmount`	Required	Required
retailAddenda.level3.lineItems[ ].`taxInclusiveLineItemTotalAmount`	Required	Required
retailAddenda.level3.lineItems[ ].`transactionDiscountAmount`	Required	Required	Conditionally required if a discount applies.
retailAddenda.level3.lineItems[ ].`purchaseTransactionDiscountPercent`	N/A	N/A
retailAddenda.level3.lineItems[ ].`lineItemDiscountTreatmentCode`	Required	N/A	Conditionally required if a discount applies.
retailAddenda.level3.lineItems[ ].`lineItemDetailCode`	Optional	N/A
retailAddenda.level3.lineItems[ ].`lineItemTaxIndicator`	N/A	Required
retailAddenda.level3.lineItems[ ].`lineItemDiscountIndicator`	N/A	Required
retailAddenda.level3.lineItems[ ].`lineItemTaxes[ ]`			Use the `lineItemTaxes` array to send one or more taxes.
retailAddenda.level3.lineItems[ ].lineItemTaxes[ ].`taxTypeCode`	N/A	Required
retailAddenda.level3.lineItems[ ].lineItemTaxes[ ].`lineItemTaxAmount`	Optional	Required
retailAddenda.level3.lineItems[ ].lineItemTaxes[ ].`taxPercent`	Required	Required	Conditionally required if `lineItemTaxAmount` contains a value.

Discover and Diners Club requirements

Discover and Diners Club allow line-item data on any card. If data is received in the payment request, it is passed on to the card brands.

Line-items can repeat so that a merchant can identify all items purchased. Card brands have a maximum number of line-items that are supported.

The following table identifies the number of line-items allowed:

Maximum number of allowable line-items per card brand
Card brand	Maximum number of allowable line items
Visa and ChaseNet	998
Mastercard	998
Discover and Diners Club	98

Tip

Passing more line items than the supportable amount results in an error.
American Express uses transaction advice fields instead of line-item data.

American Express requirements

American Express uses transaction advice text to submit order or invoice data. The transactionAdviceText field is an array that repeats up to four times, with a maximum length of 40 characters per line.

Tip

Merchants must work with their American Express representative to identify a format to follow within transaction advice text. This requires a certification to American Express that confirms the proper format is followed.

Currency codes

The following table lists each supported presentment currency, the corresponding ISO currency code, and the currency decimals value.

Currency codes
Currency name	Currency code	Currency decimals
Afghan Afghani	AFN	2
Albanian Lek	ALL	2
Algerian Dinar	DZD	2
Angolan Kwanza	AOA	2
Argentine Peso	ARS	2
Armenian Dram	AMD	2
Aruban Guilder	AWG	2
Australian Dollar	AUD	2
Azerbaijanian Manat	AZN	2
Bahamian Dollar	BSD	2
Bangladeshi Taka	BDT	2
Barbados Dollar	BBD	2
Belarussian Ruble	BYN	2
Belize Dollar	BZD	2
Bermudian Dollar	BMD	2
Bolivian Boliviano	BOB	2
Bosnia and Herzegovina Convertible Marks	BAM	2
Botswana Pula	BWP	2
Brazilian Real	BRL	2
British Pound	GBP	2
Brunei Dollar	BND	2
Bulgarian Lev	BGN	2
Burundi Franc	BIF	0
Bhutanese Ngultrum	BTN	2
CFA Franc BCEAO	XOF	0
CFA Franc BEAC	XAF	0
CFP Franc	XPF	0
Canadian Dollar	CAD	2
Cambodian Riel	KHR	2
Cape Verdi Escudo	CVE	2
Cayman Islands Dollar	KYD	2
Chilean Peso	CLP	0
Chinese Yuan Renminbi	CNY	2
Colombian Peso	COP	2
Comoro Franc	KMF	0
Congolese Franc	CDF	2
Costa Rican Colon	CRC	2
Croatian Kuna	HRK	2
Czech Koruna	CZK	2
Danish Krone	DKK	2
Djibouti Franc	DJF	0
Dominican Peso	DOP	2
East Caribbean Dollar	XCD	2
Egyptian Pound	EGP	2
Ethiopian Birr	ETB	2
Euro	EUR	2
Falkland Islands Pound	FKP	2
Fiji Dollar	FJD	2
Gambian Dalasi	GMD	2
Georgian Lari	GEL	2
Ghanaian Cedi	GHS	2
Gibraltar Pound	GIP	2
Guatemala Quetzal	GTQ	2
Guinean Franc	GNF	0
Guyanese Dollar	GYD	2
Haitian Gourde	HTG	2
Honduras Limpera	HNL	2
Hong Kong Dollar	HKD	2
Hungarian Forint	HUF	2
Iceland Krona	ISK	0
Indian Rupee	INR	2
Indonesian Rupiah	IDR	2
Israeli New Shekel	ILS	2
Jamaican Dollar	JMD	2
Japanese Yen	JPY	0
Kazakhstan Tenge	KZT	2
Kenyan Shilling	KES	2
Laos Kip	LAK	2
Lebanese Pound	LBP	2
Lesotho Loti	LSL	2
Liberian Dollar	LRD	2
Macau Pataca	MOP	2
Macedonian Denar	MKD	2
Malagasy Ariary	MGA	2
Malawi Kwacha	MWK	2
Malaysian Ringgit	MYR	2
Maldive Rufiyaa	MVR	2
Mauritania Ouguiya	MRU	2
Mauritius Rupee	MUR	2
Mexican Peso	MXN	2
Moldovan Leu	MDL	2
Mongolia Tugrik	MNT	2
Moroccan Dirham	MAD	2
Mozambique New Metical	MZN	2
Myanmar Kyat	MMK	2
Namibia Dollar	NAD	2
Nepalese Rupee	NPR	2
Netherlands Antillean Guilder	ANG	2
New Guinea Kina	PGK	2
New Zealand Dollar	NZD	2
Nicaraguan Cordoba Oro	NIO	2
Nigerian Naira	NGN	2
Norwegian Krone	NOK	2
Pakistan Rupee	PKR	2
Panamanian Balboa	PAB	2
Paraguay Guarani	PYG	0
Peruvian Nuevo Sol	PEN	2
Philippines Peso	PHP	2
Polish Zloty	PLN	2
Qatari Rial	QAR	2
Romania Leu	RON	2
Russian Ruble	RUB	2
Rwanda Franc	RWF	0
St. Helena Pound	SHP	2
Samoan Tala	WST	2
Sao Tome and Principe Dobra	STN	2
Saudi Riyal	SAR	2
Serbian Dinar	RSD	2
Seychelles Rupee	SCR	2
Sierra Leonean Leone	SLL	2
Singapore Dollar	SGD	2
Solomon Islands Dollar	SBD	2
Somali Shilling	SOS	2
South African Rand	ZAR	2
South Korean Won	KRW	0
Sri Lanka Rupee	LKR	2
Suriname Dollar	SRD	2
Swaziland Lilangeni	SZL	2
Swedish Krona	SEK	2
Swiss Franc	CHF	2
Taiwan Dollar (New)	TWD	2
Tajikistan Somoni	TJS	2
Tanzanian Shilling	TZS	2
Thai Baht	THB	2
Tonga Pa’anga	TOP	2
Trinidad and Tobago Dollar	TTD	2
Turkish Lira	TRY	2
Uganda Shilling	UGX	0
Ukrainian Hryvnia	UAH	2
United Arab Emirates Dirham	AED	2
Uruguayan Peso	UYU	2
U.S. Dollar	USD	2
Uzbekistan Sum	UZS	2
Vanuatu Vatu	VUV	0
Venezuela Bolivar Soberano	VES	2
Vietnamese Dong	VND	0
Yemeni Rial	YER	2
Zambia Kwacha	ZMW	2

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