接受预存卡号销售

在您的客户使用已存的卡详情来发起支付，而您希望即时触发结算流程时，则可以使用我们的预存卡号销售资源。请在此处阅读有关预存卡号规定的更多详情。

什么是预存卡号支付？

客户在授权点使用您先前存储/打算存储的银行卡信息主动参与支付
不按时间表支付
需要客户的明确许可才能将卡存储在其账户上，以便在“一键式”模式下使用
有时也称为客户启动的交易 (CIT)

`migrateCardOnFileSale` 请求

POST 您的预存卡号销售请求至我们在您的查询支付根资源请求中收到的 payments:migrateCardOnFileSale 操作链接资源。

POST https://try.access.worldpay.com/payments/sales/migrateCardOnFile

以下请求包含成功的授权请求所需的所有必需字段。完整请求架构可在我们的API 参考中查阅。

单击下表以查看全部支持的 paymentInstrument 参数的所有必需字段。

migrateCardOnFileSale 请求正文：

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{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd"
    },
    "instruction": {
        "narrative": {
            "line1": "Mind Palace"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/plain",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            }
        }
    }
}

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd"
    },
    "instruction": {
        "narrative": {
            "line1": "Mind Palace Ltd"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/token",
            "href": "https://try.access.worldpay.com/tokens/{}"
        }
    }
}

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd"
    },
    "instruction": {
        "narrative": {
            "line1": "Mind Palace Ltd"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/plain",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            }
        }
    },
    "customer": {
        "authentication": {
            "version": "1.0.2",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "z9UKb06xLziZMOXBEmWSVA1kwG0="
        }
    }
}

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd"
    },
    "instruction": {
        "narrative": {
            "line1": "trading name"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/plain",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            }
        }
    },
    "customer": {
        "authentication": {
            "version": "2.1.0",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "c5b808e7-1de1-4069-a17b-f70d3b3b1645"
        }
    }
}

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd"
    },
    "instruction": {
        "narrative": {
            "line1": "Mind Palace Ltd"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/token",
            "href": "https://try.access.worldpay.com/tokens/{}"
        }
    },
    "customer": {
        "authentication": {
            "version": "1.0.2",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "z9UKb06xLziZMOXBEmWSVA1kwG0="
        }
    }
}

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd"
    },
    "instruction": {
        "narrative": {
            "line1": "Mind Palace Ltd"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/token",
            "href": "https://try.access.worldpay.com/tokens/{}"
        }
    },
    "customer": {
        "authentication": {
            "version": "2.1.0",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "c5b808e7-1de1-4069-a17b-f70d3b3b1645"
        }
    }
}

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd"
    },
    "instruction": {
        "narrative": {
            "line1": "Mind Palace Ltd"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/checkout",
            "tokenHref": "https://try.access.worldpay.com/tokens/eyJrIjoxLCJkIjoiNjd5bnJnSTR3a3FITW00SHNjaE90YnAwcVlvZ1pSZ3RFOXJjcklzVzY1ND0ifQ",
            "cvcHref": "https://try.access.worldpay.com/sessions/eyJrIjoxLCJkIjoiNjQxbUswTlVFYW05NWY2R0IvUEtqWXY0QjVyY2V5VHBBU0Q1TDNuSFQrMGtEc3RIZm1NQnFtNDhKcVB1TkoySDkycWhpRHVwSHBZY3F6NEZiUGwxVHc9PSJ9"
        }
    }
}

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd"
    },
    "instruction": {
        "narrative": {
            "line1": "Mind Palace Ltd"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/networkToken",
            "dpan": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            }
        }
    }
}

必需的授权请求参数

参数	必需	描述
`transactionReference`		由您生成的独特参考号。这会被用于在其整个生命周期中识别支付。请参见交易参考格式，了解更多详情和最佳实践。
`merchant`		包含有关商户信息的对象。
`merchant.entity`		确定您支付的方向，以协助开单、报告和对账。这对于身份验证和查询为必需。请联系您的实施经理了解更多详情。
`instruction`		包含与支付相关的所有信息的对象。
`instruction.narrative`		出现在您的客户对账单上的文本。用于识别商户。请参见商户落款格式，了解更多详情和最佳实践。
`narrative.line1`		出现在您客户的对账单上的叙述文字的第一行（最多 24 个字符。如果不支持某个字符，则以空格代替）。请参见商户落款`line1`格式，了解更多详情。
`instruction.value`		包含有关支付值信息的对象。
`value.currency`		三位数货币代码。请参见支持的货币列表。
`value.amount`		支付金额。这是一个包含小数位的整数，e.g.，如果小数位是二，则 250 就表示 2.50.您可以在我们的货币表中查找相关小数位。
`instruction.paymentInstrument`		包含支付类型和详情的对象。可用的 `paymentInstrument`： `card/plain` `card/token`- 首先创建 Token `card/checkout` - 首先，使用我们的结账 SDK，创建 Token `card/networkToken` - 网络 Token 采用由各种方案提供的 16 位 Token 号来替代原始卡号。在 `dpan` 字段中填写此信息。
`payoutInstrument.cardExpiryDate`		包含您的客户卡过期日期的对象。对所有 `"type":"card/plain"` 请求为必需。
`payoutInstrument.cardNumber`		包含您的客户卡号的对象。对 `"type":"card/plain"` 请求为必需。

3DS

下表描述了必需的 3DS 授权请求参数：

参数	必需	描述
`customer`		包含您的客户验证结果的对象。有关更多详情，请参见3DS 验证。
`authentication.type`		3DS
`authentication.version`		用于处理交易的 3DS 版本。对于 3DS1 - `1.0.2` 对于 3DS2 - `2.1.0` 或 `2.2.0` 注释：对于授权中的 Mastercard 身份校验交易是必需的。
`authentication.eci`		电子商务指标 (ECI)。表示3DS 验证的结果。 02 或 05 - 完全身份验证的交易 01 或 06 - 尝试身份验证交易 00 或 07 - 非 3-D 安全交易 Mastercard - 02、01、00 Visa - 05、06、07 Amex - 05、06、07 JCB - 05、06、07 Diners - 05、06、07
`authentication.authenticationValue`		是必需的 - 如果 `authentication.eci` 值为 01、02、05 或 06。提供 3DS 验证结果证据的密码值。 Visa - 持卡人身份验证的验证值 (CAVV) Mastercard - 通用持卡人身份验证字段 (UCAF) `authentication.authenticationValue` 必须最大为 28 位，并且必须采用 base64 编码。
`authentication.transactionId`		是必需的 - 如果 `authentication.eci` 值为 01、02、05 或 06。由发行机构生成的独特身份验证交易识别码。对于版本 3DS1： `transactionId` 为 base64 编码且长度为 28 位数。对于版本 3DS2： `transactionId` 符合 RFC 4122 UUID 标准且长度为 36 个字符。

附加可选字段

下表描述了所有的可选请求参数：

参数	必需	描述
`narrative.line2`		有关支付的其他详情，e.g.订单号、电话号码。
`instruction.debtRepayment`		DRI 是为偿还债务而标记某项支付的标志。可能的值： `true`（仅在 true 时提供）如需更多信息，请联系您的客户关系经理。
`instruction.intent`		详细说明此具体预存卡号协议原因的参数。可能的值： `instalment`
`payoutInstrument.cardHolderName`		包含您客户卡名称的对象。这不是必需字段，但建议您提供相关信息以提高授权率。如未发送，则默认值为 "Not Supplied"（未提供）。
`paymentInstrument.billingAddress`		包含账单邮寄地址信息的对象。如果已包括，则您必须至少要发送：`address1` `city` `countryCode` `postalCode` 此项用于地址验证服务 (AVS) 且只能随 `card/plain` 支付工具提供。我们的 API 会检查所提交的 AVS，以核实其是否与发卡银行注册的地址相符。如果所提供的地址与注册的地址不符，则意味着该支付存在其他风险。
`merchant.mcc`		您可以将商户类别代码 (`mcc`) 应用于单个请求。如果在加入过程中启用了动态 MCC（商户类别代码），则您只能提供 `mcc`。如果此功能已启用但未提供，则 `merchant.mcc` 会默认为已配置的值。如需更多信息，请联系您的客户关系经理。
`paymentInstrument.cvc`		CVC 是卡背面上的一组 3 或 4 个数字的独特号码。我们的 API 会检查所提供的 CVC 是否与发卡银行留存的 CVC 匹配。
`merchant.paymentFacilitator`		包含您的支付服务商信息的对象。如果为必需，则您必须发送： `pfId` `isoId` `subMerchant.merchantId` `subMerchant.postalcode` `subMerchant.street` `subMerchant.city` `subMerchant.countryCode` 只有您是支付服务商时，该信息在每个预存卡号中才是必需的。您可以在此处了解信息。
`scheme.reference`		由方案提供的独特参考号，以识别您与客户之间达成的重复支付协议。协议中的每笔后续支付都会生成一个新的参考号。您可针对 `card/plain` 和 `card/token` 请求提交此信息。大部分但并非所有发卡机构都会返回此信息。 Token 仅可存储一个方案参考号。在 Token 请求中填写方案参考号，覆盖 Token 中存储的方案参考号。
`customer.riskProfile`		用于在支付请求中应用SCA 豁免和更新FraudSight数据模型，以便于执行未来支付。

示例请求

以下请求包含 migrateCardOnFileSale 请求的所有必需和可选字段。完整请求架构也可在我们的API 参考中查阅。

完整 migrateCardOnFileSale 请求正文：

Copied!

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd",
        "mcc": "6432",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "state": "WSM",
                "countryCode": "826",
                "taxId": "ABC-123456789",
                "email": "test@email.com",
                "telephone": "+447987 654321"
            }
        }
    },
    "channel": "moto",
    "instruction": {
        "narrative": {
            "line1": "Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "scheme": {
            "reference": "28379213"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "billingAddress": {
                "address1": "221B Baker Street",
                "address2": "Marylebone",
                "address3": "Westminster",
                "postalCode": "NW1 6XE",
                "city": "London",
                "state": "Greater London",
                "countryCode": "GB"
            },
            "type": "card/plain",
            "cardHolderName": "Sherlock Holmes",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 12,
                "year": 2020
            }
        },
        "intent": "instalment"
    },
    "customer": {
        "riskProfile": "https://try.access.worldpay.com/riskProfile/ewogICJ2IiA6IDEsC"
    }
}

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd",
        "mcc": "1000",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "state": "WSM",
                "countryCode": "826",
                "taxId": "ABC-123456789",
                "email": "test@email.com",
                "telephone": "+447987 654321"
            }
        }
    },
    "channel": "moto",
    "instruction": {
        "debtRepayment": true,
        "narrative": {
            "line1": "Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "scheme": {
            "reference": "28379213"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/token",
            "href": "https://try.access.worldpay.com/tokens/{}",
            "cvc": "898"
        },
        "intent": "instalment"
    },
    "customer": {
        "riskProfile": "https://try.access.worldpay.com/riskProfile/ewogICJ2IiA6IDEsC"
    }
}

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd",
        "mcc": "1234",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "state": "WSM",
                "countryCode": "826",
                "taxId": "ABC-123456789",
                "email": "test@email.com",
                "telephone": "+447987 654321"
            }
        }
    },
    "instruction": {
        "debtRepayment": true,
        "narrative": {
            "line1": "Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "scheme": {
            "reference": "28379213"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "cvc": "123",
            "billingAddress": {
                "address1": "221B Baker Street",
                "address2": "Marylebone",
                "address3": "Westminster",
                "postalCode": "NW1 6XE",
                "city": "London",
                "state": "Greater London",
                "countryCode": "GB"
            },
            "type": "card/plain",
            "cardHolderName": "Sherlock Holmes",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            }
        },
        "intent": "instalment"
    },
    "customer": {
        "riskProfile": "https://try.access.worldpay.com/riskProfile/ewogICJ2IiA6IDEsC",
        "authentication": {
            "version": "1.0.2",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA="
        }
    }
}

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd",
        "mcc": "1234",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "state": "WSM",
                "countryCode": "826",
                "taxId": "ABC-123456789",
                "email": "test@email.com",
                "telephone": "+447987 654321"
            }
        }
    },
    "instruction": {
        "debtRepayment": true,
        "narrative": {
            "line1": "Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "scheme": {
            "reference": "28379213"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "cvc": "123",
            "billingAddress": {
                "address1": "221B Baker Street",
                "address2": "Marylebone",
                "address3": "Westminster",
                "postalCode": "NW1 6XE",
                "city": "London",
                "state": "Greater London",
                "countryCode": "GB"
            },
            "type": "card/plain",
            "cardHolderName": "Sherlock Holmes",
            "cardNumber": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            }
        },
        "intent": "instalment"
    },
    "customer": {
        "riskProfile": "https://try.access.worldpay.com/riskProfile/ewogICJ2IiA6IDEsC",
        "authentication": {
            "version": "2.1.0",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "c5b808e7-1de1-4069-a17b-f70d3b3b1645"
        }
    }
}

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd",
        "mcc": "1000",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "state": "WSM",
                "countryCode": "826",
                "taxId": "ABC-123456789",
                "email": "test@email.com",
                "telephone": "+447987 654321"
            }
        }
    },
    "instruction": {
        "debtRepayment": true,
        "narrative": {
            "line1": "Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "scheme": {
            "reference": "28379213"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/token",
            "href": "https://try.access.worldpay.com/tokens/{}",
            "cvc": "898"
        },
        "intent": "instalment"
    },
    "customer": {
        "riskProfile": "https://try.access.worldpay.com/riskProfile/ewogICJ2IiA6IDEsC",
        "authentication": {
            "version": "1.0.2",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "z9UKb06xLziZMOXBEmWSVA1kwG0="
        }
    }
}

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd",
        "mcc": "1000",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "state": "WSM",
                "countryCode": "826",
                "taxId": "ABC-123456789",
                "email": "test@email.com",
                "telephone": "+447987 654321"
            }
        }
    },
    "instruction": {
        "debtRepayment": true,
        "narrative": {
            "line1": "Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "scheme": {
            "reference": "28379213"
        },        
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/token",
            "href": "https://try.access.worldpay.com/tokens/{}",
            "cvc": "898"
        },
        "intent": "instalment"
    },
    "customer": {
        "riskProfile": "https://try.access.worldpay.com/riskProfile/ewogICJ2IiA6IDEsC",
        "authentication": {
            "version": "2.1.0",
            "type": "3DS",
            "eci": "05",
            "authenticationValue": "MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=",
            "transactionId": "c5b808e7-1de1-4069-a17b-f70d3b3b1645"
        }
    }
}

{
    "transactionReference": "Memory265-13/08/1876",
    "mcc": "1000",
    "merchant": {
        "entity": "MindPalaceLtd",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "state": "WSM",
                "countryCode": "826",
                "taxId": "ABC-123456789",
                "email": "test@email.com",
                "telephone": "+447987 654321"
            }
        }
    },
    "channel": "moto",
    "instruction": {
        "narrative": {
            "line1": "Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/checkout",
            "tokenHref": "https://try.access.worldpay.com/tokens/eyJrIjoxLCJkIjoiNjd5bnJnSTR3a3FITW00SHNjaE90YnAwcVlvZ1pSZ3RFOXJjcklzVzY1ND0ifQ",
            "cvcHref": "https://try.access.worldpay.com/sessions/eyJrIjoxLCJkIjoiNjQxbUswTlVFYW05NWY2R0IvUEtqWXY0QjVyY2V5VHBBU0Q1TDNuSFQrMGtEc3RIZm1NQnFtNDhKcVB1TkoySDkycWhpRHVwSHBZY3F6NEZiUGwxVHc9PSJ9"
        },
        "intent": "instalment"
    },
    "customer": {
        "riskProfile": "https://try.access.worldpay.com/riskProfile/ewogICJ2IiA6IDEsC"
    }
}

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd",
        "mcc": "1234",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "state": "WSM",
                "countryCode": "826",
                "taxId": "ABC-123456789",
                "email": "test@email.com",
                "telephone": "+447987 654321"
            }
        }
    },
    "instruction": {
        "narrative": {
            "line1": "Mind Palace Ltd",
            "line2": "Memory265-13/08/1876"
        },
        "scheme": {
            "reference": "28379213"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/networkToken",
            "dpan": "4444333322221111",
            "cardExpiryDate": {
                "month": 5,
                "year": 2035
            },
            "billingAddress": {
                "address1": "221B Baker Street",
                "address2": "Marylebone",
                "address3": "Westminster",
                "postalCode": "NW1 6XE",
                "city": "London",
                "state": "Greater London",
                "countryCode": "GB"
            },
            "cardHolderName": "Sherlock Holmes"
        },
        "intent": "instalment"
    },
    "customer": {
        "authentication": {
            "type": "card/networkToken",
            "authenticationValue": "abc123==",
            "eci": "00"
        }
    }
}

请查阅我们的API 参考，了解有关我们 Payments API 每个版本的授权请求和架构。

`migrateCardOnFileSale` response

最佳实践：Access Worldpay 在服务响应的头文件中返回WP-CorrelationId。我们强烈建议您将此记录下来。我们使用WP-CorrelationId检查单个服务请求。

成功响应

最佳实践：Access Worldpay 在服务响应的头文件中返回WP-CorrelationId。我们强烈建议您将此记录下来。我们使用WP-CorrelationId检查单个服务请求。

您会接收到：

HTTP 代码 201
"outcome": "Sent for Settlement"
风险因素（仅在发卡机构发现冲突时才返回）
豁免结果和原因（仅在您提供了风险预测时）
发卡机构授权代码
方案参考号（由主要银行卡方案支持，但可能不会为所有的方案/地区返回）
退款、部分退款、撤销您的请求或跟踪您的支付的链接。
在您的重复支付协议中的下次支付时使用的授权链接

拒绝的响应

您会接收到：

HTTP 代码 201
"outcome": "refused"
拒绝代码
为拒绝提供更多上下文的 description
风险因素（仅在发卡机构发现冲突时才返回）
豁免结果和原因（仅在您提供了风险预测时）

示例响应：

Copied!

{
    "outcome": "Sent for Settlement",
    "riskFactors": [{
            "type": "cvc",
            "risk": "not_matched"
        },
        {
            "type": "avs",
            "detail": "address",
            "risk": "not_checked"
        },
        {
            "type": "avs",
            "detail": "postcode",
            "risk": "not_checked"
        }
    ],
    "issuer": {
        "authorizationCode": "399253"
    },
    "scheme": {
        "reference": "1260019172"
    },
    "exemption": {
        "result": "honored",
        "reason": "issuerHonored"
    },
    "_links": {
        "payments:refund": {
            "href": "https://try.access.worldpay.com/payments/settlements/refunds/full/eyJrIjoiazNhYjYzMiJ9"
        },
        "payments:partialRefund": {
            "href": "https://try.access.worldpay.com/payments/settlements/refunds/partials/eyJrIjoiazNhYjYzMiJ9"
        },
        "payments:reversal": {
            "href": "https://try.access.worldpay.com/payments/sales/reversals/eyJrIjoiazNhYjYzMiJ9"
        },
        "payments:events": {
            "href": "https://try.access.worldpay.com/payments/events/eyJrIjoiazNhYjYzMiJ9"
        },
        "curies": [{
            "name": "payments",
            "href": "https://try.access.worldpay.com/rels/payments/{rel}",
            "templated": true
            }]
    }
}

{
    "outcome": "refused",
    "description": "CARD EXPIRED",
    "code": "33",
    "refusalAdvice": {
        "code": "01"
    },
    "riskFactors": [{
            "risk": "not_supplied",
            "type": "cvc"
        },
        {
            "risk": "not_checked",
            "detail": "address",
            "type": "avs"
        },
        {
            "risk": "not_checked",
            "detail": "postcode",
            "type": "avs"
        },
        {
            "risk": "verificationFailed",
            "type": "riskProfile"
        }
    ]
}

注释：如果出现错误，您可以在我们的错误参考中获取更多信息。

`riskFactors`

为了减少处理欺诈性付款的可能性，请在您的授权请求中提供客户的账单邮寄地址和 CVC。

我们会与您客户的发卡银行进行核对，并在我们的响应中包含任何冲突。

只有存在与授权请求关联的风险时才会返回 riskFactors 阵列。仅在该信息被包括在授权请求中以及识别到任何风险时，riskFactors 阵列才会为 avs、cvc 或 riskProfile 返回对象。

下表描述了响应参数：

参数	描述
`riskFactors.type`	返回 `avs`、`cvc` 或 `riskProfile`
`riskFactors.detail`	仅限 `avs`。返回 `postcode` 或 `address`
`riskFactors.risk`	返回 `not_checked`、`not_matched`、`not_supplied` 或 `verificationFailed`

`exemption`

在您的授权请求中包括了风险预测时的豁免结果和原因。

下表描述了响应参数：

参数	描述
`exemption.result`	返回 `honored`、`outOfScope`、`rejected` 或 `unknown`
`exemption.reason`	对于 `honored`，则返回 `issuerHonored` 或 `unknown`。对于 `outOfScope`，则返回 `merchantInitiatedTransaction`、`oneLegOut`、`moto`、`contactless` 或 `unknown`。对于 `rejected`，则返回 `issuerRejected`、`highRisk`、`invalid`、`unsupportedScheme`、`notSubscribed`、`unsupportedAcquirer` 或 `unknown`

软拒绝

如果支付中未应用豁免，则发卡机构会以软拒绝（拒绝代码 65）来回应。该操作的下一个符合逻辑的步骤是继续进行3DS 身份验证。

Translation disclaimer

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接受预存卡号销售

什么是预存卡号支付？

migrateCardOnFileSale 请求

必需的授权请求参数

3DS

附加可选字段

示例请求

migrateCardOnFileSale response

成功响应

拒绝的响应

示例响应：

riskFactors

exemption

软拒绝

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​

Translation disclaimer

`migrateCardOnFileSale` 请求

`migrateCardOnFileSale` response

`riskFactors`

`exemption`