Card transaction
Process an in-store (card present) transaction.
Initiate a card transaction
Request examples
Use the following example to request an in-store card authorisation with contactless. For a full list of possible parameters, see the API reference.
{
"merchant": "MERCHANT-1",
"site": "SITE-1",
"merchantTransactionId": "POS_001",
"merchantTransactionDate": "2025-01-27 08:51:02.826445+00:00",
"transactionMethod": {
"intent": "Authorisation",
"fundingType": "Card",
"entryType": "Instore"
},
"amounts": {
"transaction": 6,
"currencyCode": "CHF"
},
"fundingData": {
"card": {
"pointOfInteraction": {
"entryType": "CardContactless",
"kernelApplicationVersion": "321313",
"deviceModelName": "CastlesSaturn1000",
"operatingSystemVersion": "1",
"pointOfSaleId": "111",
"pointOfSaleApplicationVersion": "4.23.060.0",
"serialNumber": "1234567812345678"
},
"securityLevel": {
"primaryAccountNumber": "4111111111111111",
"expiryMonth": "01",
"expiryYear": "2031",
"holderName": "John Doe",
"iccTrack2Equivalent": "41111111111111115D310120119058101"
},
"emvData": {
"applicationIdentifier": "A0000000032010",
"applicationInterchangeProfile": "0020",
"applicationLabel": "VISA ELECTRON",
"applicationPreferredName": "PreferredName",
"applicationTransactionCounter": "0001",
"applicationUsageControl": "FF80",
"applicationVersionNumber": "008D",
"authorisationRequestCryptogram": "0E45587C1C56DC8B",
"contactless": {
"discretionaryData": "D1F2C3B4A567890123456789ABCDEF12",
"formFactor": "20700000"
},
"cryptogramInformationData": "80",
"cryptogramTransactionType": "00",
"cardHolderVerificationMethodResults": "3F0000",
"dedicatedFileName": "A0000000032010",
"issuerActionCodesDefault": "F040008800",
"issuerActionCodesDenial": "0000000000",
"issuerActionCodesOnline": "0000000000",
"issuerApplicationData": "1F220100A000000000564953414C335445535443415345000000000000000000",
"primaryAccountNumberSequenceNumber": "0001",
"pointOfSaleEntryMode1": "07",
"pointOfSaleEntryMode2": "00",
"terminalCapabilities": "E06848",
"terminalCountryCode": "0826",
"terminalType": "00",
"terminalVerificationResult": "0000000000",
"transactionStatusInformation": "6800",
"unpredictableNumber": "7264193E"
}
}
}
}Parameter | Description |
|---|---|
| Your unique merchant identifier, as assigned by PXP. |
| Your unique site identifier, as assigned by PXP. |
| A unique identifier for this transaction. |
| The date and time when the transaction happened, in ISO 8601 format. |
| Details about the transaction method. |
| The entry type. For in-store transactions, this is always |
| The funding type. For card transactions, this is always |
| The payment intent. Learn more about intents. |
| Details about the transaction amount. |
| The transaction amount. The numbers after the decimal will be zero padded if they are less than the expected |
| The currency code associated with the transaction, in ISO 4217 format. |
| Details about the device and environment where a card present transaction takes place. It includes various attributes that help identify and describe the capabilities and configurations of the point-of-sale (POS) device. |
| The method by which the card information was entered during the transaction. This field is crucial for determining the specific process and security measures used in the transaction. It helps in categorising the entry type, whether it involves physical card
interaction or a contactless device. |
| The version of the kernel application running on the device, which manages the card interaction process. |
| The device model name of the point-of-sale device used for processing the transaction. |
| The version of the operating system installed on the point-of-sale device. |
| A PXP unique identifier for the specific point-of-sale device, often assigned by the merchant or payment processor. |
| The version of the point-of-sale application software installed on the device. |
| The serial number of the point-of-sale device, which uniquely identifies the hardware device. |
| Security details about the card used for the transaction. |
| The unique number assigned to a payment card, such as a credit or debit card. This number typically contains 16 digits, structured in a specific format to indicate the card network, issuing bank, and account number. This is present if the card is manually entered into a device without point-to-point encryption. |
| The expiry month ( |
| The expiry year ( |
| The Card Verification Code (CVC) associated with the payment card, which is used to verify that the cardholder is in possession of the card during non-face-to-face transactions. This is present if the card is manually entered into a device without point-to-point encryption. |
| The full name of the individual who owns the payment card. This name is printed on the physical card and is used for verifying the cardholder's identity during transactions. |
| This field contains Track 2 equivalent data from the chip of the card. This data is similar to Track 2 data but is obtained from the card's chip rather than the magnetic stripe. |
| Detailed EMV (Europay, Mastercard, and Visa) data required for chip and PIN or contactless in-store transactions. Each field within this object represents a specific EMV tag that provides critical information about the transaction, card, and device. |
| EMV tag 9F06: identifies the application according to ISO/IEC 7816-5. |
| EMV tag 82: indicates the card's capabilities for supporting specific functions in the application. |
| EMV tag 50: mnemonic associated with the Application Identifier (AID) according to ISO/IEC 7816-5. |
| The preferred name of the application as designated by the card issuer. |
| EMV tag 9F36: a counter maintained by the application in the ICC, incremented by the card for each transaction. |
| EMV tag 9F07: indicates the issuer's specified restrictions on geographic usage and services allowed for the application. |
| EMV tag 9F08: version number assigned by the payment system for the application. |
| EMV tag 9F26: cryptogram generated by the card during the transaction. |
| Details about the contactless payment. |
| Additional data specified by the issuer, included in the transaction for contactless payments. |
| EMV tag 9F6E: indicates the type of device used in the transaction. |
| EMV tag 9F27: indicates the type of cryptogram and the actions to be performed by the device. |
| EMV tag 9C: indicates the type of financial transaction, represented by the first two digits of ISO 8583:1987 Processing Code. |
| EMV tag 9F34: indicates the results of the last cardholder verification method performed. |
| EMV tag 84: identifies the application or file in the card. |
| EMV tag 9F0D: specifies the issuer's conditions for transaction rejection when the device is unable to go online. |
| EMV tag 9F0E: specifies the issuer's conditions that cause the denial of a transaction without an attempt to go online. |
| EMV tag 9F0F: specifies the issuer's conditions that cause a transaction to be transmitted online. |
| EMV tag 9F10: contains proprietary application data for transmission to the issuer in an online transaction. |
| EMV tag 5F34: identifies and differentiates cards with the same PAN. |
| EMV tag 9F39: indicates the method by which the PAN was entered, according to the first digit of the ISO 8583:1987 point of sale entry mode. |
| EMV tag 9F39: indicates the method by which the PAN was entered, according to the second digit of the ISO 8583:1987 point of sale Entry Mode. |
| EMV tag 9F33: indicates the card data input, CVM, and security capabilities of the device. |
| EMV tag 9F1A: indicates the country of the device, represented according to ISO 3166. |
| EMV tag 9F35: indicates the type of terminal involved in the transaction. |
| EMV tag 95: status of the different functions as seen from the device. |
| EMV tag 9B: indicates the functions performed in a transaction. |
| EMV tag 9F37: value to provide variability and uniqueness to the generation of a cryptogram. |
Response examples
If your request is successful, you'll receive a 200 response that includes the transaction's state. You'll also receive a Transaction (Card Authorised) webhook notification.
{
"state": "Authorised",
"stateData": {},
"approvalCode": "401445",
"merchantTransactionDate": "2025-03-28T10:24:51",
"merchantTransactionId": "433835e6-a332-452a-861b-069593dbb7c5",
"systemTransactionId": "238e5bc9-0166-4a8b-84b2-a12b804182bc",
"fundingData": {
"cardScheme": "MasterCard",
"primaryAccountNumber": "5431111111111111",
"expiryMonth": "01",
"expiryYear": "2031",
"gatewayTokenId": "5fbd77ce-02c1-40ed-94bc-1016660b7512",
"providerResponse": {
"provider": "pxpfinancial",
"code": "00",
"merchantId": "7171910017",
"terminalId": "32454401",
"emvDataResponse": {
"applicationIdentifier": "A0000000032010",
"applicationLabel": "VISA ELECTRON",
"primaryAccountNumberSequenceNumber":"0001",
"authorisationResponseCode": "00",
"issuerAuthenticationData": "C9DF3CA29138D5E83030"
},
"electronicCommerceIndicatorAdjustment": "07",
"merchantAdvice": {},
"authorisedAmount": 6
},
"processorTransactionId": "f9c1f0ea-6c2f-4517-b2ca-460645f07e40"
}
}Updated about 21 hours ago