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Online Payments

eftpos Australia

eftpos Australia is the domestic debit card network for online purchase transactions. eftpos dual-branded cards process transactions locally via the eftpos network and internationally through Mastercard or 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:

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
            }
        ]
    }
}