Debt repayment

Visa and Mastercard have mandated that all merchants processing debt repayments submit the following fields in requests to Trust Payments. (Only applies to AUTH and ACCOUNTCHECK request types)

  This mandate only applies to merchants with certain acquiring banks. Please contact our Support Team for further information.

Requirement: Your merchant category code must be either 6012, 6051 or 7299.

  Your Merchant Category Code (MCC) is a four-digit number assigned to you by your acquirer. It is used to classify the business by the type of products or services it provides. If you are unsure of the value of your merchant category code, please contact our Support Team.

Inheritance

Once you have processed an AUTH or ACCOUNTCHECK containing these required fields, they can be inherited in future requests, and passed onto the acquiring bank automatically, if required.

 

Request example

JavaScript Library

The following example includes the fields mandated for merchants processing debt repayments:

(Payload)

{"payload":{"accounttypedescription":"ECOM","baseamount":"1050","currencyiso3a":"GBP","sitereference":"test_site12345","requesttypedescriptions":["THREEDQUERY","AUTH"],"customeraccountnumber":"4111111111111111","customeraccountnumbertype":"CARD","customerdob":"1990-01-01","customerpostcode":"TE456ST","customerlastname":"Bloggs","debtrepayment":"1"},"iat":1559033849,"iss":"jwt.user"}
TRU Mobile (SDK)

The following example includes the fields mandated for merchants processing debt repayments:

(Payload)

{"payload":{"accounttypedescription":"ECOM","baseamount":"1050","currencyiso3a":"GBP","sitereference":"test_site12345","termurl":"https:\/\/payments.securetrading.net\/process\/payments\/mobilesdklistener","requesttypedescriptions":["THREEDQUERY","AUTH"],"customeraccountnumber":"4111111111111111","customeraccountnumbertype":"CARD","customerdob":"1990-01-01","customerpostcode":"TE456ST","customerlastname":"Bloggs","debtrepayment":"1"},"iat":1559033849,"iss":"jwt.user"}
Webservices API

The following example includes the fields mandated for merchants processing debt repayments:

Python PHP cURL Raw JSON Raw XML
#!/usr/bin/python
import securetrading

stconfig = securetrading.Config()
stconfig.username = "webservices@example.com"
stconfig.password = "Password1^"
st = securetrading.Api(stconfig)

auth = {
"sitereference": "test_site12345",
"requesttypedescriptions": ["AUTH"],
"accounttypedescription": "ECOM",
"currencyiso3a": "GBP",
"baseamount": "1050",
"orderreference": "My_Order_123",
"pan": "4111111111111111",
"expirydate": "12/2020",
"securitycode": "123",
"customeraccountnumber": "4111111111111111",
"customeraccountnumbertype": "CARD",
"customerdob": "1990-01-01",
"customerpostcode": "TE456ST",
"customerlastname": "Bloggs",
"debtrepayment": "1"
}

strequest = securetrading.Request()
strequest.update(auth)
stresponse = st.process(strequest) #stresponse contains the transaction response

 

Field specification

The required fields are as follows:

  Field Format Description
table-required.png customeraccountnumber
XPath: /customer/accountnumber
Numeric (20) If account number type is “ACCOUNT”, the account holder’s account number.

If account number type is “CARD”, the account holder’s card number.

The returned value in the response is in a masked format, e.g. “411111#######1111”.

table-required.png customeraccountnumbertype
XPath: /customer/accountnumber/@type
Alpha (7) Either “CARD” or “ACCOUNT”.
table-required.png customerdob
XPath: /customer/dob
Date YYYY-MM-DD The account holder’s date of birth.
table-required.png customerpostcode
XPath: /customer/postcode
Alphanumeric (25) The customer’s postcode or ZIP code.

This must be a valid postcode/ZIP code for the customercountryiso2a submitted.

table-required.png customerlastname
XPath: /customer/name/last
Alphanumeric including
symbols (127)
The customer’s last name.
table-required.png debtrepayment
XPath: /merchant/debtrepayment
Numeric (1)

Indicates if transaction is flagged as debt repayment:

  • 1 – Transaction is flagged as debt repayment.
  • 0 – Transaction is not flagged as debt repayment.

Note: Your site can be configured to automatically submit this flag with value 0 or 1 in every transaction by default. (Please contact our Support Team to make this change).

Was this article helpful?
0 out of 0 found this helpful
Have more questions? Submit a request