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Customer-Initiated Unscheduled COF Payment with Enrollable Network Tokens

An unscheduled credentials-on-file (COF) transaction uses stored payment information for a fixed or variable amount that does not occur regularly. An account top-up is one kind of unscheduled COF.

Using Enrollable Network Tokens

The
Token Management Service
 can enroll certain
network tokens
, known as device tokens, into an instrument identifier token for future payments.
Device tokens
 store and encrypt card-on-file information which enables customers to make quick and easy purchases using their mobile device. When authorizing a credentialed payment with a device token, you must create and store the device token in a
TMS
 instrument identifier token. To do this, include the device token information in the
paymentInformation.tokenizedCard
 fields and set the token creation fields to create an instrument identifier token.
Follow-on merchant-initiated transactions are performed using the created instrument identifier as the payment information. For more information about how to request a merchant-initiated transaction, see Merchant-Initiated Unscheduled COF Payments with TMS.
Device tokens are also known as
digital payments
,
digital wallets
, and
tokenized cards
.

Network Token Types

In your request, include the
processingInformation.paymentSolution
 field to identify the device token type you are using, and set it to one of these possible values:
  • 001
    : Apple Pay
  • 005
    : Masterpass
  • 006
    : Android Pay
  • 007
    : Chase Pay
  • 008
    : Samsung Pay
  • 012
    : Google Pay
  • 014
    : Mastercard credential-on-file (COF) payment network token
  • 015
    : Visa credential-on-file (COF) payment network token
  • 027
    : Click to Pay
  • visacheckout
    :
    Visa Click to Pay
    .

Endpoint

Production:
POST
https://api.smartpayfuse.barclaycard
/pts/v2/payments
Test:
POST
https://api.smartpayfuse-test.barclaycard
/pts/v2/payments

Required Fields for CIT Unscheduled COF Payment with Enrollable Network Tokens

orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.administrativeArea
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.phoneNumber
orderInformation.billTo.postalCode
paymentInformation.tokenizedCard.expirationMonth
paymentInformation.tokenizedCard.expirationYear
paymentInformation.tokenizedCard.number
paymentInformation.tokenizedCard.transactionType
Set the value to
1
.
processingInformation.actionList
Set the value to
TOKEN_CREATE
.
processingInformation.actionTokenTypes
Set the value to
instrumentIdentifier
.
processingInformation.commerceIndicator
Set the value to
internet
,
MOTO
, or a payer authentication value.
processingInformation.paymentSolution
Set to one of these possible values:
  • 001
    : Apple Pay
  • 005
    : Masterpass
  • 006
    : Android Pay
  • 007
    : Chase Pay
  • 008
    : Samsung Pay
  • 012
    : Google Pay
  • 014
    : Mastercard credential-on-file (COF) payment network token
  • 015
    : Visa credential-on-file (COF) payment network token
  • 027
    : Click to Pay
  • visacheckout
    :
    Visa Click to Pay
    .

REST API
 Example: CIT Unscheduled COF Payment with Enrollable Network Tokens

Request
{
  "processingInformation": {
    "actionList": [
      "TOKEN_CREATE"
    ],
    "actionTokenTypes": [
      "instrumentIdentifier"
    ],
    "commerceIndicator": "internet",
    "paymentSolution": "001"
  },
  "paymentInformation": {
    "tokenizedCard": {
      "number": "4111111111111111",
      "expirationMonth": "02",
      "expirationYear": "2025",
      "transactionType": "1"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "102.21",
      "currency": "USD"
    },
    "billTo": {
      "firstName": "John",
      "lastName": "Smith",
      "address1": "123 Happy St",
      "locality": "Austin",
      "administrativeArea": "TX",
      "postalCode": "78757",
      "country": "US",
      "email": "",
      "phoneNumber": "444-4444-4444"
    }
  }
}
Response to a Successful Request
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/7094060020036241803954/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7094060020036241803954"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/7094060020036241803954/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "1709406002076"
  },
  "id": "7094060020036241803954",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "102.21",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "111111"
  },
  "processorInformation": {
    "approvalCode": "888888",
    "networkTransactionId": "123456789619999",
    "transactionId": "123456789619999",
    "responseCode": "100",
    "avs": {
      "code": "X",
      "codeRaw": "I1"
    }
  },
  "reconciliationId": "60616704ST7Q27K2",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2024-03-02T19:00:02Z",
  "tokenInformation": {
    "instrumentidentifierNew": false,
    "instrumentIdentifier": {
      "state": "ACTIVE",
      "id": "7010000000016241111"
    }
  }
}