Online Payments

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

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

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
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.

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"
            }
        ]
    }
}

Merchant-directed routing

Acquirer-managed routing

US PINless debit

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