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Tap-Initiated Authorization for Debt Recovery with EMV Data {#um-processing-auth-debtrecov-intro}
=================================================================================================

This section describes how to process a tap-initiated authorization for debt recovery. When a cardholder attempts to use a blocked card at the transit reader, create a new debt recovery authorization request using the chip data from the new tap, along with the fare amount of the previous declined authorization.

Endpoint {#um-processing-auth-debtrecov-intro_d7e16}
----------------------------------------------------

**Production:** `POST ``https://api.cybersource.com``/pts/v2/payments`{#um-processing-auth-debtrecov-intro_d7e25}  
**Test:** `POST ``https://apitest.cybersource.com``/pts/v2/payments`{#um-processing-auth-debtrecov-intro_d7e35}

Required Fields for a Tap-Initiated Authorization for Debt Recovery with EMV Data Using the REST API {#um-processing-auth-debtrecov-reqd-fields}
================================================================================================================================================

[clientReferenceInformation.code](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-code.md "")
:

[clientReferenceInformation.comments](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-comments.md "")
:
Set this field to `TransitDA Debt recovery tap auth`.

[clientReferenceInformation.partner.solutionId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-partner-solution-id.md "")
:
`Cybersource` provides the value for this field.

[clientReferenceInformation.partner.thirdPartyCertificationNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-partner-third-party-certnum.md "")
:
`Cybersource` provides the value for this field.

[clientReferenceInformation.transactionId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-transaction-id.md "")
:

[orderInformation.amountDetails.currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-currency.md "")
:

[orderInformation.amountDetails.totalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-total-amount.md "")
:

[paymentInformation.card.type](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-type-a.md "")
:

[pointOfSaleInformation.catLevel](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/pos-info-aa/pos-info-cat-level.md "")
:
Set this field to `2`.

[pointOfSaleInformation.emv.cardSequenceNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/pos-info-aa/pos-info-emv-card-sequence-num.md "")
:
Set this field to `1`.

[pointOfSaleInformation.emv.tags](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/pos-info-aa/pos-info-emv-tags.md "")
:

[pointOfSaleInformation.entryMode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/pos-info-aa/pos-info-entry-mode.md "")
:
Set this field to `contactless`.

[pointOfSaleInformation.terminalCapability](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/pos-info-aa/pos-info-terminal-capability.md "")
:
Set this field to `5`.

[pointOfSaleInformation.terminalId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/pos-info-aa/pos-info-terminal-id.md "")
:

[pointOfSaleInformation.terminalPinCapability](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/pos-info-aa/pos-info-terminal-pin-capability.md "")
:
Set this field to `0`.

[pointOfSaleInformation.trackData](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/pos-info-aa/pos-info-track-data.md "")
:

[processingInformation.authorizationOptions.debtRecoveryIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-auth-ops-debt-recovery-ind.md "")
:
Set this field to `true`.

[processingInformation.authorizationOptions.deferredAuthIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-auth-ops-deferred-auth-ind.md "")
:
Set this field to `true`.

[processingInformation.captureOptions.dateToCapture](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-capture-ops-date-to-capture.md "")
:

[processingInformation.commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-commerce-ind.md "")
:
Set this field to `retail`.

[processingInformation.industryDataType](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-industry-data-type.md "")
:
Set this field to `transit`.

REST Example: Tap-Initiated Authorization for Debt Recovery with EMV Data {#um-processing-auth-debtrecov-ex-rest}
=================================================================================================================

Request

```
{
    "clientReferenceInformation": {
        "comments": "TransitDA Debt recovery tap auth",
        "code": "10000597",
        "transactionId": "20000597",
        "partner": {
            "thirdPartyCertificationNumber": "BPCDRC220403",
            "solutionId": "548UHQ8Z"
        }
    },
    "processingInformation": {
        "industryDataType": "transit",
        "captureOptions": {
            "dateToCapture": "0425"
        },
        "commerceIndicator": "retail",
        "authorizationOptions": {
            "debtRecoveryIndicator": "true",
            "deferredAuthIndicator": "true"
        }
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "10.00",
            "currency": "EUR"
        }
    },
    "paymentInformation": {
        "card": {
            "type": "001"
        }
    },
    "pointOfSaleInformation": {
        "terminalId": "12345678",
        "catLevel": "2",
        "entryMode": "contactless",
        "terminalCapability": "5",
        "terminalPinCapability": "0",
        "emv": {
            "tags": "5F2A0209768407A00000000310109F360200029F03060000000000009C01005F3401019F10201F220100A00000000000000000000000000000000000000000000000000000009F33030008089A032204259F260845E978CEEC63154F9F2701409F0206000000000200820220209F34031F00009F1A0209769F6E04207000009F3704B257DA1495050000000000",
            "cardSequenceNumber": "1"
        },
        "trackData": ";476173XXXXXXXXXX=241220119058254?"
    }
}
```

Response to a Declined Request

```
{
    "_links": {
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/6508883585936636904003"
        }
    },
    "clientReferenceInformation": {
        "code": "10000597",
        "partner": {
            "solutionId": "548UHQ8Z"
        },
        "transactionId": "20000597"
    },
    "errorInformation": {
        "reason": "PROCESSOR_DECLINED",
        "message": "Decline - General decline of the card. No other information provided by the issuing bank."
    },
    "id": "6508883585936636904003",
    "pointOfSaleInformation": {
        "emv": {
            "tags": "9F36020015910AB58D60185BEF0247303072179F180430303031860E04DA9F580903B1BAEDFD1438BA48"
        }
    },
    "processorInformation": {
        "systemTraceAuditNumber": "163648",
        "networktransactionId": "016153570198200",
        "retrievalReferenceNumber": "211512163648",
        "transactionId": "016153570198200",
        "responseCode": "05",
        "avs": {
            "code": "2"
        }
    },
    "status": "DECLINED"
}
```

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