APIs
/
Payments
/
Manage Payments
/
Submit a payment settle request

Payments (2024-06-01)

Use a single API that orchestrates the payment flow to include FraudSight, 3DS and Token creation.

Authentication

Set your headers

Authorization: {your_credentials}    
Content-Type: application/json    
WP-Api-Version: 2024-06-01

Replace {your_credentials} with your base64-encoded Basic Auth username and password.

DNS Whitelisting

Whitelist the following URLs:

  • https://try.access.worldpay.com/
  • https://access.worldpay.com/

Please ensure you use DNS whitelisting, not explicit IP whitelisting. When you make a request within Access Worldpay, you should always cache the response returned.

API Collection

A full set of API examples based on different scenarios.

Download OpenAPI description
openapi.json
openapi.yaml
Overview
License

Worldpay

Languages
Servers
Try

https://try.access.worldpay.com/

Live

https://access.worldpay.com/

Payment

Take a payment

Operations

3DS Actions

If 3DS is enabled additional actions are required

Operations

Manage Payments

Additional payment actions following authorization

Operations

Payment query request

Request

Query a payment

Security
BasicAuth
Path
linkDatastringrequired
Headers
WP-Api-Versionstringrequired

The API version

Value"2024-06-01"
Example: 2024-06-01
No request payload

Responses

OK

Bodyapplication/json
lastEventstring
_actionsobject
cancelPaymentobject

Cancel the payment. See details

partiallySettlePaymentobject

Partially settle the payment. See details including what to add in the request body.

settlePaymentobject

Fully settle the payment. See details

refundPaymentobject

Fully refund the payment. See details

partiallyRefundPaymentobject

Partially refund the payment.

Response
application/json
{
  "lastEvent": "Authorized",
  "_actions": {
    "cancelPayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmYlUBT%2BOr7P8TngA%3ARIDbhErtAINgae8%3Al%2Bp%3A9IMRtnTDLLTmIV7UYK%3Ak9rhdyhosW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ7HtOLQhO1odRTC6UgXfG5MadLi6%3AwYpXojOybmc%3AWO461azZ4FL3HolsmUtf6UuHbZ%3AVhRHFzbbwymcuTiRbNw%3D/cancellations",
      "method": "POST"
    },
    "settlePayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmYlUBT%2BOr7P8TngA%3ARIDbhErtAINgae8%3Al%2Bp%3A9IMRtnTDLLTmIV7UYK%3Ak9rhdyhosW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ7HtOLQhO1odRTC6UgXfG5MadLi6%3AwYpXojOybmc%3AWO461azZ4FL3HolsmUtf6UuHbZ%3AVhRHFzbbwymcuTiRbNw%3D/settlements",
      "method": "POST"
    },
    "partiallySettlePayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmYlUBT%2BOr7P8TngA%3ARIDbhErtAINgae8%3Al%2Bp%3A9IMRtnTDLLTmIV7UYK%3Ak9rhdyhosW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ7HtOLQhO1odRTC6UgXfG5MadLi6%3AwYpXojOybmc%3AWO461azZ4FL3HolsmUtf6UuHbZ%3AVhRHFzbbwymcuTiRbNw%3D/partialSettlements",
      "method": "POST"
    }
  }
}

Submit a payment settle request

Request

Settle a payment

Security
BasicAuth
Path
linkDatastringrequired
Headers
WP-Api-Versionstringrequired

The API version

Value"2024-06-01"
Example: 2024-06-01
Bodyapplication/json
object
application/json
{}

Responses

Accepted

Bodyapplication/json
outcomestring
Enum"3dsDeviceDataRequired""authorized""3dsChallenged""sentForSettlement""sentForCancellation""refused""3dsAuthenticationFailed""3dsUnavailable""fraudHighRisk""sentForRefund"
_linksobject

Return details about the status of the payment

selfobject
_actionsobject
refundPaymentobject

Fully refund the payment. See details

partiallyRefundPaymentobject

Partially refund the payment.

Response
application/json
{
  "outcome": "sentForSettlement",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3Amrpc69OgkOdsQcFu1REHDtf%3ADmgAoXvDPFmn0QZPIS4H4gS5sW2Mrlt4M7c6S1k5UW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ9hxVM07vmgQjdqz1DxFQ6AqNuDe44KOEtBqjjis8%3APhltX3idEtP6TkjNfQHRCHVbZ%3AVhRHFzbbwymcuTiRbNw%3D"
    }
  },
  "_actions": {
    "refundPayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3Amrpc69OgkOdsQcFu1REHDtf%3ADmgAoXvDPFmn0QZPIS4H4gS5sW2Mrlt4M7c6S1k5UW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ9hxVM07vmgQjdqz1DxFQ6AqNuDe44KOEtBqjjis8%3APhltX3idEtP6TkjNfQHRCHVbZ%3AVhRHFzbbwymcuTiRbNw%3D/refunds",
      "method": "POST"
    },
    "partiallyRefundPayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3Amrpc69OgkOdsQcFu1REHDtf%3ADmgAoXvDPFmn0QZPIS4H4gS5sW2Mrlt4M7c6S1k5UW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ9hxVM07vmgQjdqz1DxFQ6AqNuDe44KOEtBqjjis8%3APhltX3idEtP6TkjNfQHRCHVbZ%3AVhRHFzbbwymcuTiRbNw%3D/partialRefunds",
      "method": "POST"
    }
  }
}

Submit a payment partial settle request

Request

Partially settle a payment

Security
BasicAuth
Path
linkDatastringrequired
Headers
WP-Api-Versionstringrequired

The API version

Value"2024-06-01"
Example: 2024-06-01
Bodyapplication/jsonrequired
referencestringrequired
sequenceobject

The sequence number and total number of expected partial settlement requests for the payment.

numberinteger(int32)required
totalinteger(int32)required
valueobjectrequired
currencystringrequired

The three character currency code. See list of supported currencies

Example: "USD"
amountinteger(int32)required

The payment amount. Implied decimal. For example, 250 GBP = £2.50 When set to 0 will perform a card verification instead of a payment as part of a new customerAgreement.

Example: 250
application/json
{
  "sequence": {
    "number": 1,
    "total": 2
  },
  "value": {
    "amount": 500,
    "currency": "GBP"
  },
  "reference": "partial-settle-reference"
}

Responses

Accepted

Bodyapplication/json
outcomestring
Enum"3dsDeviceDataRequired""authorized""3dsChallenged""sentForSettlement""sentForCancellation""refused""3dsAuthenticationFailed""3dsUnavailable""fraudHighRisk""sentForRefund"
_linksobject

Return details about the status of the payment

selfobject
_actionsobject
refundPaymentobject

Fully refund the payment. See details

partiallyRefundPaymentobject

Partially refund the payment.

partiallySettlePaymentobject

Partially settle the payment. See details including what to add in the request body.

cancelPaymentobject

Cancel the payment. See details

Response
application/json
{
  "outcome": "sentForSettlement",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3Amrpc69OgkOdsQcFu1REHDtf%3ADmgAoXvDPFmn0QZPIS4H4gS5sW2Mrlt4M7c6S1k5UW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ9hxVM07vmgQjdqz1DxFQ6AqNuDe44KOEtBqjjis8%3APhltX3idEtP6TkjNfQHRCHVbZ%3AVhRHFzbbwymcuTiRbNw%3D"
    }
  },
  "_actions": {
    "refundPayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3Amrpc69OgkOdsQcFu1REHDtf%3ADmgAoXvDPFmn0QZPIS4H4gS5sW2Mrlt4M7c6S1k5U4KCq84ktTU7AB2kOFpTY0bs7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ9hxVM07vmgQjdqz1DxFQ6AqNuDe44KOEtBqjjis8%3APhltX3idEtP6TkjNfQHRCHVbZ%3AVhRHFzbbwymcuTiRbNw%3D/refunds",
      "method": "POST"
    },
    "partiallyRefundPayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3Amrpc69OgkOdsQcFu1REHDtf%3ADmgAoXvDPFmn0QZPIS4H4gS5sW2Mrlt4M7c6S1k5U4KCq84ktTU7AB2kOFpTY0bs7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ9hxVM07vmgQjdqz1DxFQ6AqNuDe44KOEtBqjjis8%3APhltX3idEtP6TkjNfQHRCHVbZ%3AVhRHFzbbwymcuTiRbNw%3D/partialRefunds",
      "method": "POST"
    },
    "partiallySettlePayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3Amrpc69OgkOdsQcFu1REHDtf%3ADmgAoXvDPFmn0QZPIS4H4gS5sW2Mrlt4M7c6S1k5U4KCq84ktTU7AB2kOFpTY0bs7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ9hxVM07vmgQjdqz1DxFQ6AqNuDe44KOEtBqjjis8%3APhltX3idEtP6TkjNfQHRCHVbZ%3AVhRHFzbbwymcuTiRbNw%3D/partialSettlements",
      "method": "POST"
    },
    "cancelPayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3Amrpc69OgkOdsQcFu1REHDtf%3ADmgAoXvDPFmn0QZPIS4H4gS5sW2Mrlt4M7c6S1k5U4KCq84ktTU7AB2kOFpTY0bs7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ9hxVM07vmgQjdqz1DxFQ6AqNuDe44KOEtBqjjis8%3APhltX3idEtP6TkjNfQHRCHVbZ%3AVhRHFzbbwymcuTiRbNw%3D/cancellations",
      "method": "POST"
    }
  }
}

Submit a payment refund request

Request

Refund a payment

Security
BasicAuth
Path
linkDatastringrequired
Headers
WP-Api-Versionstringrequired

The API version

Value"2024-06-01"
Example: 2024-06-01
Bodyapplication/json
object
application/json
{}

Responses

Accepted

Bodyapplication/json
outcomestring
Enum"3dsDeviceDataRequired""authorized""3dsChallenged""sentForSettlement""sentForCancellation""refused""3dsAuthenticationFailed""3dsUnavailable""fraudHighRisk""sentForRefund"
_linksobject

Return details about the status of the payment

selfobject
Response
application/json
{
  "outcome": "sentForRefund",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3Amp3aEvr3BYtH3ZBei61fRGtglovAih6FUXj2880UCtZGZ21djyVQzY36sEFMZMvXsW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ6i4R8ak4j6oWbsrX5AP4ErD6p2VzRF0yzljcK%2BKWD8%2BEEBcQpn0%3ADcXCJRXfVD0ibZ%3AVhRHFzbbwymcuTiRbNw%3D"
    }
  }
}

Submit a payment partial refund request

Request

Partially refund a payment

Security
BasicAuth
Path
linkDatastringrequired
Headers
WP-Api-Versionstringrequired

The API version

Value"2024-06-01"
Example: 2024-06-01
Bodyapplication/jsonrequired
referencestringrequired
valueobjectrequired
currencystringrequired

The three character currency code. See list of supported currencies

Example: "USD"
amountinteger(int32)required

The payment amount. Implied decimal. For example, 250 GBP = £2.50 When set to 0 will perform a card verification instead of a payment as part of a new customerAgreement.

Example: 250
application/json
{
  "value": {
    "amount": 10,
    "currency": "GBP"
  },
  "reference": "partial-refund-reference"
}

Responses

Accepted

Bodyapplication/json
outcomestring
Enum"3dsDeviceDataRequired""authorized""3dsChallenged""sentForSettlement""sentForCancellation""refused""3dsAuthenticationFailed""3dsUnavailable""fraudHighRisk""sentForRefund"
_linksobject

Return details about the status of the payment

selfobject
_actionsobject
partiallyRefundPaymentobject

Partially refund the payment.

Response
application/json
{
  "outcome": "sentForPartialRefund",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3Amrpc69OgkOdsQcFu1REHDtf%3ADmgAoXvDPFmn0QZPIS4H4gS5sW2Mrlt4M7c6S1k5U4KCq84ktTU7AB2kOFpTY0bs7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ9hxVM07vmgQjdqz1DxFQ6AqNuDe44KOEtBqjjis8%3APhltX3idEtP6TkjNfQHRCHVbZ%3AVhRHFzbbwymcuTiRbNw%3D"
    }
  },
  "_actions": {
    "partiallyRefundPayment": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3Amrpc69OgkOdsQcFu1REHDtf%3ADmgAoXvDPFmn0QZPIS4H4gS5sW2Mrlt4M7c6S1k5U4KCq84ktTU7AB2kOFpTY0bs7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ9hxVM07vmgQjdqz1DxFQ6AqNuDe44KOEtBqjjis8%3APhltX3idEtP6TkjNfQHRCHVbZ%3AVhRHFzbbwymcuTiRbNw%3D/partialRefunds",
      "method": "POST"
    }
  }
}

Submit a payment cancel request

Request

Cancel a payment

Security
BasicAuth
Path
linkDatastringrequired
Headers
WP-Api-Versionstringrequired

The API version

Value"2024-06-01"
Example: 2024-06-01
Bodyapplication/json
object
application/json
{}

Responses

Accepted

Bodyapplication/json
outcomestring
Enum"3dsDeviceDataRequired""authorized""3dsChallenged""sentForSettlement""sentForCancellation""refused""3dsAuthenticationFailed""3dsUnavailable""fraudHighRisk""sentForRefund"
_linksobject

Return details about the status of the payment

selfobject
Response
application/json
{
  "outcome": "sentForCancellation",
  "transactionReference": "f4806b75-89d1-498a-8634-bfa79afca54f",
  "schemeReference": "060720116005060",
  "issuer": {
    "authorizationCode": "675725"
  },
  "riskFactors": [
    {
      "risk": "notMatched",
      "type": "cvc"
    },
    {
      "risk": "notChecked",
      "detail": "address",
      "type": "avs"
    },
    {
      "risk": "notChecked",
      "detail": "postcode",
      "type": "avs"
    }
  ],
  "fraud": {
    "outcome": "lowRisk",
    "score": 44
  },
  "threeDS": {
    "outcome": "authenticated",
    "issuerResponse": "frictionless"
  },
  "paymentInstrument": {
    "type": "card/plain+masked",
    "cardBin": "400000",
    "lastFour": "1000",
    "countryCode": "GB",
    "expiryDate": {
      "year": 2035,
      "month": 5
    },
    "cardBrand": "mastercard",
    "fundingType": "debit",
    "category": "consumer",
    "issuerName": "BANK LIMITED",
    "paymentAccountReference": "3001DBT34Q41D6J7PFC5W0UACOT4C"
  },
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3Am1abCnrwHIBOLZ%3A8ZpsSaLoyDtB%3A8H%2BxSOOOGjEbko3O%3A%3A7gTMASwaw7KY3SuOCoh4KCq84ktTU7AB2kOFpTY0bs7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ3ZOMOj3ix5oo3ctSHv2uo5m6InByzI1XuTONS3N8O%2B1%2BuC8Xk67Ze0uAJk%2BrJN9o7Z%3AVhRHFzbbwymcuTiRbNw%3D"
    }
  }
}