ProcessRealTimeCardPayment

Usage



Attempts to process credit/debit card payment for the identified customer using the provided card details. 

This method attempts to process credit/debit card payments for the identified customer using the provided card details. You can choose whether you want to create a one-off schedule for that payment or not. If a one-off schedule creation is not opted for, then a successful payment collection will get assigned to the outstanding balance of the customer’s account otherwise a new one-off schedule is created.

You also have the option to use a card stored on the customer’s account or make a payment using a different card. By stored card, we refer to the active payment method on the account and not just any card number stored on the account.

Note

This message should be used in conjunction with the message GetCardPaymentStatusForCustomerAccount if the status returned from ProcessRealTimeCardPayment is Processing.



Parameters

Name

Data Type

Length



Description

User







  • Username

String

Required

Provided by Debitsuccess

  • Password

String

Required

Provided by Debitsuccess

RequestInitiator

String

100​

Optional

Optional – allows requesting user to be logged

AccountReferenceNo

String

​15

Optional*

Debitsuccess Reference number

ExternalAccountReferenceNo

String 

​50

Optional*

Your account identifier

ExternalTransactionIdentifier

String

50

Required

A unique reference for the transaction (for the requesting user)

​UseStoredCardDetails

​Boolean

​Required

​false - if the customer's card details including CVC is available with you

true - if the active, preferred card details on the customer's account need to be used

​CreateOneOffCharge

​Boolean

​Required

​true - DS will process payment and create a one-off schedule for the same

false - PayNow will take the payment and allocate it to account balance

​AccountHolder

​String

​50

Optional**​

​Cardholder name

​Amount

Decimal(10,2)

​Required

​Amount to pay

​CVC

​String

​4

​Optional**

​Card verification/security code

CardNumber​

String​

​35

​Optional**

​Credit/Debit card number

CreditCardType​

​Enum

​Optional**

​Credit/debit card type AmericanExpress, Mastercard, Visa

​ExpiryDate

DateTime

​Optional**

​Card expiry date

​Notes 

​String

​30

Optional***

​Any notes to be recorded against the payment

PayerAuthorisationResponse

string



Optional

Required only if TransactionStatus is of type Requires3Ds

* At least one of the following parameters must be supplied: AccountReferenceNo, ExternalAccountReferenceNo

** Required if UseStoredCardDetails is set to false

*** Required if CreateOneOffCharge is set to true

Response 

Name

Data Type

Description

DateCreated

DateTime

Date/time message was processed

Id

String

Unique ID for the message

ResponseNotes ()



Collection of validation messages

  • Code

String



  • Note

String



  • NoteType

Enum

Error, Warning, Info

  • Status

Enum

Failed, Succeed, Unknown

ProcessRealTimeCardPayment()





TransactionStatus

Enum

NotSubmitted, Processing, ServiceBusy*

PayerAuthenticationRequest

string

Value will be generated if transaction type is Require3ds

PayerAuthenticationUrl

string

Value will be generated if transaction type is Require3ds

PaymentGatewayResponse

string

Response text from CreditCardPaymentLog table

*A TransactionStatus of ServiceBusy can mean that the payment was successfully processed but Debitsuccess has not received confirmation. We recommend using a request such as GetCardPaymentStatusForCustomerAccount before re-attempting this payment to avoid charging the customer twice.

Error Messages

Type

Error Code

Error Message

Error

13062

Payment Notes cannot exceed 30 characters

Error

13063

Transaction identifier is not valid

Error

13061

Card payment amount must be greater than or equal to $1 and less than your configured maximum value

Warning

14021

Decimal field '{0}' contains more than 2 decimal points that were ignored by message.

Error

14115

The selected payment method is not supported by this business.

Error

13069

Token cards are not yet supported.

Error

13068

Diner cards are not supported.

Error

12014

Missing AccountHolder parameter

Error

13019

AccountHolder cannot exceed 50 characters.

Error

13018

Invalid CVC number.

Error

13005

Invalid or missing credit card number

Warning

14020

DateTime field '{0}' contains time part, but the time is ignored by message.

Error

02

Invalid user credentials

Error

12016

Missing required reference number. Must provide either ExternalAccountReferenceNo or AccountReferenceNo or both.

Error

08

There is no record found with this criteria

Error

10

Account is not active

Error

07

Multiple accounts found with this criteria

Error

14102

No Legal Address found on file. Please contact Debitsuccess to add one.

Error

13064

3d secure authorisation response is required

Error

13060

Transaction identifier is not unique

Error

13066

A transaction is being processed for this identifier

Error

13070

Amount cannot be more than the outstanding balance.

Error

14053

Card details should not be supplied when UseStoredCreditCard is true.

Error

14051

No active payment method found for the account.

Error

14052

Real time payment cannot be processed for this account because the stored payment method is not a credit card.

Error

13065

CVC number is required

Info

00

Success

Error

13074

CreateOneOffCharge must be True for Gateway Accounts

Error

13075

ExternalTransactionIdentifier field cannot be more than 50 characters long

Error

13076

Cannot find commission details configured. Please contact Debitsuccess.

Error

13077

Cannot find valid merchant details configured. Please contact Debitsuccess

Error

13078

The stored credit card has expired

Error

14115

The selected payment method is not supported by this business

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