Developer's Guide

Gateway Developer Guide and Reference 31 July 2012 47
6
Submitting Credit Card
Transactions
When using the Payflow SDK, plan how to implement credit card processing based on your
business needs. Payflow SDK offers a core set of transaction parameters that all credit card
processors use. This section describes how to submit a transaction for each transaction type
supported.
 “Obtaining an Internet Merchant Account” on page 47
 “About Credit Card Processing” on page 48
 “Credit Card Features” on page 48
 “Planning Your Gateway Integration” on page 49
 “Core Credit Card Parameters” on page 51
 “Submitting Account Verifications” on page 54
 “Submitting Authorization/Delayed Capture Transactions” on page 55
 “Submitting Balance Inquiry Transactions” on page 56
 “Submitting Card Present (SWIPE) Transactions” on page 57
 “Submitting Credit Transactions” on page 59
 “Submitting Inquiry Transactions” on page 61
 “Submitting Partial Authorizations” on page 64
 “Submitting Purchasing Card Transactions” on page 65
 “Submitting Reference Transactions (Tokenization)” on page 66
 “Submitting Sale Transactions” on page 69
 “Submitting Soft Merchant Information” on page 70
 “Submitting Voice Authorization Transactions” on page 71
 “Submitting Void Transactions” on page 72
 “Using Address Verification Service” on page 74
 “Using Card Security Code” on page 75
Obtaining an Internet Merchant Account
To accept credit cards over the internet, you need a special account called an Internet Merchant
Account. If PayPal is your merchant bank, you do not need the Internet Merchant Account.
Your account provider or merchant (acquiring) bank works with a PayPal-supported credit
card processor. Examples are First Data, TSYS Acquiring Solutions (formerly Vital