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Payflow Pro Developer’s Guide 15

Performing Credit Card

Transactions

This chapter describes performing credit card transactions.

Responses to transaction requests are described in Chapter 4, “Responses to Credit Card

Transaction Requests.”

In This Chapter

z “About Credit Card Processing” on page 15

z “Contents of a Transaction Request” on page 18

z “How To Format a Transaction” on page 19

z “Parameters Used in Credit Card Transactions” on page 19

z “Values Required by All Transaction Types” on page 23

z “Submitting Sale Transactions” on page 24

z “Submitting Authorisation/Delayed Capture Transactions” on page 25

z “Submitting Credit Transactions” on page 29

z “Submitting Void Transactions” on page 30

z “Submitting Inquiry Transactions” on page 32

z “Recharging to the Same Credit Card (Reference Transactions)” on page 33

z “Submitting Card-Present (SWIPE) Transactions” on page 36

z “Card Security Code Validation” on page 37

About Credit Card Processing

Credit card processing occurs in two steps — a real-time Authorisation and a capture

(settlement) of the funds that were authorised. As discussed below, you perform these two

steps either as a single transaction or as two transactions, depending on your business model.

For an Authorisation, the server sends the transaction information to a credit card processor

who routes the transaction through the financial networks to the cardholder’s issuing bank.

The issuing bank checks whether the card is valid, evaluates whether sufficient credit exists,

checks values such as card security codes (discussed below), and returns a response:

Approval, Decline, Referral, or others.

You receive the response a few seconds after you submit the transaction to the server. If the

Authorisation is approved, the bank temporarily reserves credit for the amount of the

transaction to prepare to capture (fulfill) the transaction. The hold on funds typically lasts for

about a week.

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PayPal Payflow Pro - 2007 Guia do Utilizador Página 15