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Online Payments

Payment brand changes

This page shows all the upcoming payment brand changes for Commerce platform and when they are going live.

October 1, 2026

Mastercard’s Transaction Link Identifier (TLID) is a 22-character unique identifier assigned to every new transaction (e.g. aRyU-3Ti981f_6WvBaqM03). The TLID is used to track and link related transaction activities across the payments lifecycle. 

The Online Payments API is adding the following fields to ensure compliance and reduce potential issuer declines:

TLID fields
Field name Description Format Location
transactionLinkId

The Mastercard-assigned unique identifier for the transaction.

  • Store this value and send it as the originalTransactionLinkId on any subsequent transactions linked to it.
  • Along with originalNetworkTransactionId and networkTransactionId, it supports Mastercard transaction-linking requirements.
 Alphanumeric string that can contain hyphens (-) and underscores (_).

Response:

paymentMethodType.card.networkResponse
originalTransactionLinkId

The Mastercard transactionLinkId returned for the original transaction.

  • Use this value to link a merchant-initiated transaction to the original cardholder authorization. 
  • Along with originalNetworkTransactionId and networkTransactionId, it supports Mastercard transaction-linking requirements.
 Alphanumeric string that can contain hyphens (-) and underscores (_).

Request:

paymentMethodType.card

paymentMethodType.consumerProfile
Attention

Starting December 1, 2026, deposit transactions will be considered non-compliant if the TLID is missing or incorrect. You must ensure to store and use the TLID in all subsequent related transactions. Mastercard will continue to support Trace ID, Banknet reference number, and switch serial number until further notice.

Transaction types

The following table shows how transactionLinkId and originalTransactionLinkId are sent and received for various transaction types:

Transaction types with TLID
Lifecycle transaction type What to send in the request What to expect in the response
Verifications N/A A new TransactionLinkID.
Initial authorizations N/A A new TransactionLinkID.
Incremental authorization (e.g., updating the amount) N/A The same TransactionLInkID as the initial authorization.
Reversals N/A The same TransactionLInkID as the initial authorization.
Linked transaction type What to send in the request What to expect in the response
Merchant-initiated transactions (MIT) The TransactionLinkID of the cardholder-initiated transaction (CIT) as the OriginalTransactionLinkID
  • A new TransactionLInkID for the MIT.
  • The OriginalTransactionLinkID echoed back from the request.
Refunds

N/A.

For refunds (referenced and standalone), you don't need to send the originalTransactionLinkId in the request.

J.P. Morgan Payments automatically identifies the TLID associated with the original transaction.

Referenced refund:

  • A new TransactionLInkID for the refund authorization.
  • The OriginalTransactionLinkID looked up by J.P. Morgan Payments and sent back in the response.

Standalone refund:

  • A new TransactionLInkID for the refund authorization.

Use cases

The following code samples show how transactionLinkId and originalTransactionLinkId work across various use cases.

Sale

The following sample shows the TLID being returned for a sale transaction (authorization with automatic capture):

HTTP Method: POST
Endpoint: /payments

Json
{
  "captureMethod": "NOW",
  "amount": 10000,
  "currency": "USD",
  "merchantOrderNumber": "1776791022",
  "merchant": {
    "merchantSoftware": {
      "companyName": "Ryan, Hermiston and Upton",
      "productName": "Mouse",
      "version": "2.0"
    }
  },
  "paymentMethodType": {
    "card": {
      "accountNumber": "5112345112345114",
      "expiry": {
        "month": 5,
        "year": 2027
      },
      "cvv": "411"
    }
  },
  "accountHolder": {
    "fullName": "Lois Runolfsdottir",
    "billingAddress": {
      "line1": "71568 Reichert Lock",
      "city": "Aliton",
      "state": "PH",
      "postalCode": "33626"
    }
  },
  "initiatorType": "CARDHOLDER",
  "accountOnFile": "NOT_STORED",
  "isAmountFinal": true
}

Response:

Json
{
  "transactionId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
  "requestId": "e261134e-40ce-4d78-8ece-0f7020faa5bd",
  "transactionState": "CLOSED",
  "responseStatus": "SUCCESS",
  "responseCode": "APPROVED",
  "responseMessage": "Transaction approved by Issuer",
  "paymentMethodType": {
    "card": {
      "cardType": "MC",
      "cardTypeName": "MASTERCARD",
      "maskedAccountNumber": "5112345XXXXXX114",
      "cardTypeIndicators": {
        "issuanceCountryCode": "USA",
        "isLevel3Eligible": false,
        "cardTypeCategory": "DEBIT_CARD",
        "isDurbinRegulated": false
      },
      "networkResponse": {
        "addressVerificationResult": "ADDRESS_POSTALCODE_MATCH",
        "addressVerificationResultCode": "I3",
        "additionalData": {
          "electronicCommerceIndicator": "7",
          "authorizationResponseCategory": "X - Not supported MOP"
        },
        "cardVerificationResult": "MATCH",
        "cardVerificationResultCode": "M",
        "networkTransactionId": "481772949010655",
        "paymentAccountReference": "2ykv6Bz0CUNZXNhCtcn3sY77JAt6e",
        "networkResponseCode": "000",
        "addressVerificationResultDescription": "ZIP_MATCH_PLUS4_NOMATCH_LOCALE_MATCH",
        "transactionLinkId": "5154710499620300551992"
      },
      "paymentTokens": [
        {
          "tokenProvider": "SAFETECH",
          "tokenNumber": "5112345845034114",
          "responseStatus": "SUCCESS"
        }
      ]
    }
  },
  "captureMethod": "NOW",
  "captureTime": "2026-09-11T15:28:57.751Z",
  "initiatorType": "CARDHOLDER",
  "accountOnFile": "NOT_STORED",
  "isVoid": false,
  "transactionDate": "2026-09-11T15:28:57.751Z",
  "approvalCode": "tst696",
  "hostMessage": "Approved",
  "isAmountFinal": true,
  "amount": 10000,
  "currency": "USD",
  "remainingRefundableAmount": 10000,
  "remainingAuthAmount": 0,
  "merchantOrderNumber": "1776791022",
  "hostReferenceId": "H9KPDr9zwWtvxO3FLHNyX9",
  "merchant": {
    "merchantId": "996897591058",
    "merchantSoftware": {
      "companyName": "Ryan, Hermiston and Upton",
      "productName": "Mouse",
      "version": "2.0"
    },
    "merchantCategoryCode": "5945"
  },
  "paymentRequest": {
    "paymentRequestId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
    "paymentRequestStatus": "CLOSED",
    "authorizations": [
      {
        "authorizationId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
        "amount": 10000,
        "transactionStatusCode": "CAPTURED",
        "authorizationType": "INITIAL",
        "transactionTimestamp": "2026-09-11T15:28:57.751Z",
        "expirationTimestamp": "2026-09-18T15:28:57.751Z"
      }
    ],
    "captures": [
      {
        "captureId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
        "amount": 10000,
        "transactionStatusCode": "CLOSED",
        "captureRemainingRefundableAmount": 10000,
        "referencedAuthorizationIdentifier": "397cc44c-fe58-4ab5-b880-ce5915ea6c59"
      }
    ]
  }
}

Key response field:

  • transactionLinkId - Store this value. This is required for any transaction linked to this sale, like a refund.

Recurring cardholder-initiated transaction

The following sample shows a cardholder-initiated transaction (CIT) with a TLID being returned:

HTTP Method: POST
Endpoint: /payments

Json
{
  "captureMethod": "NOW",
  "amount": 10000,
  "currency": "USD",
  "merchantOrderNumber": "1778695622",
  "merchant": {
    "merchantSoftware": {
      "companyName": "Hudson, Brakus and Sipes",
      "productName": "Gloves",
      "version": "2.0"
    }
  },
  "paymentMethodType": {
    "card": {
      "accountNumberType": "PAN",
      "accountNumber": "5111001521851777",
      "expiry": {
        "month": 5,
        "year": 2027
      },
      "cvv": "411"
    }
  },
  "accountHolder": {
    "fullName": "Bryan O'Conner",
    "billingAddress": {
      "line1": "935 Hirthe Pines",
      "city": "South Rosaliaside",
      "state": "KP",
      "postalCode": "33626"
    }
  },
  "initiatorType": "CARDHOLDER",
  "accountOnFile": "TO_BE_STORED",
  "recurring": {
    "recurringSequence": "FIRST",
    "agreementId": "1778695622",
    "isVariableAmount": true
  }
}

Response:

Json
{
  "transactionId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
  "requestId": "28c71eca-b79f-4b79-82b2-23f046d3f2d4",
  "transactionState": "CLOSED",
  "responseStatus": "SUCCESS",
  "responseCode": "APPROVED",
  "responseMessage": "Transaction approved by Issuer",
  "paymentMethodType": {
    "card": {
      "accountNumberType": "PAN",
      "cardType": "MC",
      "cardTypeName": "MASTERCARD",
      "maskedAccountNumber": "5111001XXXXXX777",
      "networkResponse": {
        "addressVerificationResult": "ADDRESS_POSTALCODE_MATCH",
        "addressVerificationResultCode": "I3",
        "cardVerificationResult": "MATCH",
        "cardVerificationResultCode": "M",
        "networkTransactionId": "481772949010655",
        "tokenAssuranceScore": "77",
        "networkResponseCode": "000",
        "addressVerificationResultDescription": "ZIP_MATCH_PLUS4_NOMATCH_LOCALE_MATCH",
        "transactionLinkId": "aRyU-3Ti981f_6WvBaqM03"
      },
      "authentication": {
        "authenticationValueResponse": {
          "code": "2",
          "message": "CAVV passed verification-authentication"
        }
      },
      "paymentTokens": [
        {
          "tokenProvider": "SAFETECH",
          "tokenNumber": "5111001053516777",
          "responseStatus": "SUCCESS"
        }
      ]
    }
  },
  "captureMethod": "NOW",
  "captureTime": "2026-09-11T16:01:04.030Z",
  "initiatorType": "CARDHOLDER",
  "accountOnFile": "TO_BE_STORED",
  "isVoid": false,
  "transactionDate": "2026-09-11T16:01:04.031Z",
  "approvalCode": "tst506",
  "hostMessage": "Approved",
  "isAmountFinal": true,
  "amount": 10000,
  "currency": "USD",
  "remainingRefundableAmount": 10000,
  "remainingAuthAmount": 0,
  "merchantOrderNumber": "1778695622",
  "hostReferenceId": "UNZXNhCtcn3sY77JAt6eTp",
  "merchant": {
    "merchantId": "998038398379",
    "merchantSoftware": {
      "companyName": "Hudson, Brakus and Sipes",
      "productName": "Gloves",
      "version": "2.0"
    },
    "merchantCategoryCode": "5969"
  },
  "recurring": {
    "recurringSequence": "FIRST",
    "agreementId": "1778695622",
    "isVariableAmount": true
  },
  "installment": {
    "isVariableAmount": true
  },
  "paymentRequest": {
    "paymentRequestId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
    "paymentRequestStatus": "CLOSED",
    "authorizations": [
      {
        "authorizationId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
        "amount": 10000,
        "transactionStatusCode": "CAPTURED",
        "authorizationType": "INITIAL",
        "transactionTimestamp": "2026-09-11T16:01:04.031Z",
        "expirationTimestamp": "2026-09-18T16:01:04.031Z"
      }
    ],
    "captures": [
      {
        "captureId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
        "amount": 10000,
        "transactionStatusCode": "CLOSED",
        "captureRemainingRefundableAmount": 10000,
        "referencedAuthorizationIdentifier": "397cc44c-fe58-4ab5-b880-ce5915ea6c59"
      }
    ]
  }
}

Key response field:

  • transactionLinkId - Store this value. This is required for subsequent merchant-initiated transactions.

Recurring merchant-initiated transaction

You must send the transactionLinkId, from the initial CIT response, in the paymentMethodType.card.originalTransactionLinkId field in your merchant-initiated transaction (MIT) request. A new TLID will be assigned by Mastercard and sent in the response.

The following sample shows a MIT transaction using the TLID from the initial CIT:

HTTP Method: POST
Endpoint: /payments

Json
{
  "captureMethod": "NOW",
  "amount": 10000,
  "currency": "USD",
  "merchantOrderNumber": "1778696492",
  "merchant": {
    "merchantSoftware": {
      "companyName": "Torphy LLC",
      "productName": "Mouse",
      "version": "2.0"
    }
  },
  "paymentMethodType": {
    "card": {
      "accountNumber": "5111001521851777",
      "originalNetworkTransactionId": "FAK5111000513",
      "originalTransactionLinkId": "aRyU-3Ti981f_6WvBaqM03",
      "expiry": {
        "month": 5,
        "year": 2027
      },
      "cvv": "411"
    }
  },
  "accountHolder": {
    "fullName": "Percy O'Reilly",
    "billingAddress": {
      "line1": "6542 Erik Ranch",
      "city": "North Sydni",
      "state": "RS",
      "postalCode": "33626"
    }
  },
  "initiatorType": "MERCHANT",
  "accountOnFile": "STORED",
  "recurring": {
    "recurringSequence": "SUBSEQUENT",
    "isVariableAmount": true
  }
}

Response:

Json
{
  "transactionId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
  "requestId": "ab0be15d-b8ed-4750-90b2-e95a3e8a0e7a",
  "transactionState": "CLOSED",
  "responseStatus": "SUCCESS",
  "responseCode": "APPROVED",
  "responseMessage": "Transaction approved by Issuer",
  "paymentMethodType": {
    "card": {
      "cardType": "MC",
      "cardTypeName": "MASTERCARD",
      "originalNetworkTransactionId": "FAK5111000513",
      "originalTransactionLinkId": "aRyU-3Ti981f_6WvBaqM03",
      "maskedAccountNumber": "5111001XXXXXX777",
      "networkResponse": {
        "addressVerificationResult": "ADDRESS_POSTALCODE_MATCH",
        "addressVerificationResultCode": "I3",
        "cardVerificationResult": "MATCH",
        "cardVerificationResultCode": "M",
        "networkTransactionId": "481772949010655",
        "tokenAssuranceScore": "77",
        "networkResponseCode": "000",
        "addressVerificationResultDescription": "ZIP_MATCH_PLUS4_NOMATCH_LOCALE_MATCH",
        "transactionLinkId": "oB8FGwXESqe_yZ7q2Snwon"
      },
      "paymentTokens": [
        {
          "tokenProvider": "SAFETECH",
          "tokenNumber": "5111001053516777",
          "responseStatus": "SUCCESS"
        }
      ]
    }
  },
  "captureMethod": "NOW",
  "captureTime": "2026-09-11T16:11:32.886Z",
  "initiatorType": "MERCHANT",
  "accountOnFile": "STORED",
  "isVoid": false,
  "transactionDate": "2026-09-11T16:11:32.887Z",
  "approvalCode": "tst506",
  "hostMessage": "Approved",
  "isAmountFinal": true,
  "amount": 10000,
  "currency": "USD",
  "remainingRefundableAmount": 10000,
  "remainingAuthAmount": 0,
  "merchantOrderNumber": "1778696492",
  "hostReferenceId": "UNZXNhCtcn3sY77JAt6eTp",
  "merchant": {
    "merchantId": "998038398379",
    "merchantSoftware": {
      "companyName": "Torphy LLC",
      "productName": "Mouse",
      "version": "2.0"
    },
    "merchantCategoryCode": "5969"
  },
  "recurring": {
    "recurringSequence": "SUBSEQUENT",
    "isVariableAmount": true
  },
  "installment": {
    "isVariableAmount": true
  },
  "paymentRequest": {
    "paymentRequestId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
    "paymentRequestStatus": "CLOSED",
    "authorizations": [
      {
        "authorizationId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
        "amount": 10000,
        "transactionStatusCode": "CAPTURED",
        "authorizationType": "INITIAL",
        "transactionTimestamp": "2026-09-11T16:11:32.888Z",
        "expirationTimestamp": "2026-09-18T16:11:32.888Z"
      }
    ],
    "captures": [
      {
        "captureId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
        "amount": 10000,
        "transactionStatusCode": "CLOSED",
        "captureRemainingRefundableAmount": 10000,
        "referencedAuthorizationIdentifier": "397cc44c-fe58-4ab5-b880-ce5915ea6c59"
      }
    ]
  }
}

Standalone refund

For standalone refunds, you don't need to send the originalTransactionLinkId in the request. J.P. Morgan automatically identifies the TLID associated with the original transaction and returns a new TLID in the response.

The following sample shows a standalone refund where the new TLID is returned in the response:

HTTP Method: POST
Endpoint: /refunds

Json
{
  "merchant": {
    "merchantSoftware": {
      "companyName": "Muller - Bruen",
      "productName": "Chair",
      "version": "2.0"
    }
  },
  "amount": 2000,
  "currency": "USD",
  "paymentMethodType": {
    "card": {
      "accountNumber": "5498580000000009",
      "expiry": {
        "month": 12,
        "year": 2025
      },
      "cvv": "411"
    }
  }
}

Response:

Json
{
  "transactionId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
  "requestId": "b16eccb8-170d-4793-944d-1e55521141fc",
  "transactionState": "AUTHORIZED",
  "amount": 2000,
  "currency": "USD",
  "responseStatus": "SUCCESS",
  "responseCode": "APPROVED",
  "responseMessage": "Transaction approved by Issuer",
  "approvalCode": "tst481",
  "hostMessage": "Approved",
  "initiatorType": "MERCHANT",
  "accountOnFile": "NOT_STORED",
  "transactionDate": "2026-09-11T16:33:29.594Z",
  "merchant": {
    "merchantId": "996897591058",
    "merchantSoftware": {
      "companyName": "Muller - Bruen",
      "productName": "Chair",
      "version": "2.0"
    },
    "merchantCategoryCode": "5945"
  },
  "paymentMethodType": {
    "card": {
      "cardTypeName": "MASTERCARD",
      "cardType": "MC",
      "maskedAccountNumber": "5498580XXXXXX009",
      "cardTypeIndicators": {
        "issuanceCountryCode": "USA",
        "isLevel3Eligible": false,
        "cardTypeCategory": "DEBIT_CARD",
        "isDurbinRegulated": false,
        "cardProductTypes": [
          "SIGNATURE_DEBIT"
        ]
      },
      "networkResponse": {
        "addressVerificationResult": "AVS_NOT_PERFORMED",
        "additionalData": {
          "electronicCommerceIndicator": "5"
        },
        "cardVerificationResult": "NO_MATCH",
        "cardVerificationResultCode": "N",
        "networkResponseCode": "00",
        "transactionLinkId": "aB9FVwXGSqe_yZ8q2Snkow"
      },
      "paymentTokens": [
        {
          "tokenProvider": "SAFETECH",
          "tokenNumber": "4470057508929000003",
          "responseStatus": "SUCCESS"
        }
      ]
    }
  },
  "hostReferenceId": "HHdVrU3b2FAx2ykv6Bz0CU",
  "paymentRequest": {
    "paymentRequestId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
    "paymentRequestStatus": "CLOSED",
    "refunds": [
      {
        "refundId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
        "amount": 2000,
        "transactionStatusCode": "CLOSED"
      }
    ]
  }
}

Key response field:

  • transactionLinkId - New TLID sent by Mastercard.

Referenced refund

For referenced refunds, you don't need to send the originalTransactionLinkId in the request. J.P. Morgan automatically identifies the TLID associated with the original transaction and returns a new TLID in the response, along with the original TLID.

HTTP Method: POST
Endpoint: /refunds

Json
{
  "merchant": {
    "merchantSoftware": {
      "companyName": "Wolff Group",
      "productName": "Car",
      "version": "2.0"
    }
  },
  "amount": 10000,
  "currency": "USD",
  "paymentMethodType": {
    "transactionReference": {
      "transactionReferenceId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59"
    }
  }
}

Response:

Json
{
  "transactionId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
  "requestId": "a8d4b645-63f2-42b2-bc95-b9666f8f7c06",
  "transactionState": "AUTHORIZED",
  "amount": 10000,
  "currency": "USD",
  "responseStatus": "SUCCESS",
  "responseCode": "APPROVED",
  "responseMessage": "Transaction approved by Issuer",
  "transactionReferenceId": "28272b10-ed85-4226-87c7-108f1bc1a834",
  "remainingRefundableAmount": 0,
  "approvalCode": "tst481",
  "hostMessage": "Approved",
  "initiatorType": "CARDHOLDER",
  "accountOnFile": "NOT_STORED",
  "transactionDate": "2026-09-16T10:30:46.326Z",
  "merchant": {
    "merchantId": "996897591058",
    "merchantSoftware": {
      "companyName": "Wolff Group",
      "productName": "Car",
      "version": "2.0"
    },
    "merchantCategoryCode": "5945"
  },
  "merchantOrderNumber": "1779101671",
  "paymentMethodType": {
    "card": {
      "cardTypeName": "MASTERCARD",
      "cardType": "MC",
      "maskedAccountNumber": "5498580XXXXXX009",
      "originalTransactionLinkId": "5154710499620300551992",
      "cardTypeIndicators": {
        "issuanceCountryCode": "USA",
        "isLevel3Eligible": false,
        "cardTypeCategory": "DEBIT_CARD",
        "isDurbinRegulated": false,
        "cardProductTypes": [
          "SIGNATURE_DEBIT"
        ]
      },
      "networkResponse": {
        "addressVerificationResult": "ADDRESS_POSTALCODE_MATCH",
        "addressVerificationResultCode": "I3",
        "additionalData": {
          "electronicCommerceIndicator": "5"
        },
        "networkResponseCode": "00",
        "transactionLinkId": "aB9FVwXGSqe_yZ8q2Snkow",
        "addressVerificationResultDescription": "ZIP_MATCH_PLUS4_NOMATCH_LOCALE_MATCH"
      },
      "paymentTokens": [
        {
          "tokenProvider": "SAFETECH",
          "tokenNumber": "4470057508929000003",
          "responseStatus": "SUCCESS"
        }
      ]
    }
  },
  "hostReferenceId": "HHdVrU3b2FAx2ykv6Bz0CU",
  "paymentRequest": {
    "paymentRequestId": "28272b10-ed85-4226-87c7-108f1bc1a834",
    "paymentRequestStatus": "CLOSED",
    "authorizations": [
      {
        "authorizationId": "28272b10-ed85-4226-87c7-108f1bc1a834",
        "amount": 10000,
        "transactionStatusCode": "CAPTURED",
        "authorizationType": "INITIAL",
        "transactionTimestamp": "2026-09-16T10:30:46.327Z",
        "expirationTimestamp": "2026-09-23T10:30:46.327Z"
      }
    ],
    "captures": [
      {
        "captureId": "28272b10-ed85-4226-87c7-108f1bc1a834",
        "amount": 10000,
        "transactionStatusCode": "CLOSED",
        "captureRemainingRefundableAmount": 0,
        "referencedAuthorizationIdentifier": "28272b10-ed85-4226-87c7-108f1bc1a834"
      }
    ],
    "refunds": [
      {
        "refundId": "397cc44c-fe58-4ab5-b880-ce5915ea6c59",
        "amount": 10000,
        "transactionStatusCode": "CLOSED"
      }
    ]
  }
}

Key response field:

  • transactionLinkId - New TLID sent by Mastercard.
  • originalTransactionLinkId - The TLID of the original transaction echoed in the response.