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Visa Data Only

Visa has a data only data flow so that merchants can share customer data with the issuers without going through authentication. The additional data provided to the issuer helps the issuer make risk assessments about approving cardholder transactions. Data only data flows are frictionless and do not affect the customer experience. When sending a Visa data only check enrollment request, be sure to include all of the required fields and set the
consumerAuthenticationInformation.challenge
 field to
06
.
The response from the data only request will include this data:
  • ECI =
    07
  • PARes =
    I
  • <CAVV> value
This data from the response must be included in the authorization request.

Endpoint

Production:
POST
https://nabgateway-api.nab.com.au
/pts/v2/payments
Test:
POST
https://nabgateway-api-test.nab.com.au
/pts/v2/payments

Required Fields for Visa Data Only

These fields are the minimum fields required when you request the Visa Data service. Under certain circumstances, a field that normally is optional might be required. The circumstance that makes an optional field required is noted.

Required Fields

buyerInformation.mobilePhone
This field is required (when available) if
buyerInformation.workPhone
 is not used, unless market or regional mandate restricts sending this information.
buyerInformation.workPhone
This field is required (when available) if
buyerInformation.mobilePhone
 is not used, unless market or regional mandate restricts sending this information.
clientReferenceInformation.code
consumerAuthenticationInformation. challengeCode
consumerAuthenticationInformation.referenceId
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.administrativeArea
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderinformation.billTo.locality
orderInformation.billTo.phoneNumber
orderInformation.billTo.postalCode
paymentInformation.card.expirationYear
paymentInformation.card.expirationMonth
paymentInformation.card.number
consumerAuthenticationInformation. messageCategory
orderInformation.shipTo.address1
orderInformation.shipTo.administrativeArea
orderInformation.shipTo.country
orderInformation.shipTo.locality
orderInformation.shipTo.phoneNumber
orderInformation.shipTo.postalCode

REST Example: Visa Data Only

Request
{
    "clientReferenceInformation": {
        "code": "test"
        },
    "orderInformation": {
        "amountDetails": {
            "currency": "USD",
            "totalAmount": "10.99"
            },
    "billTo": {
        "address1": "1 Market St",
        "address2": "Address 2",
        "administrativeArea": "CA",
        "country": "US",
        "locality": "san francisco",
        "firstName": "Test",
        "lastName": "Testlastname",    
        "phoneNumber": "4158880000",
        "email": "[email protected]",
        "postalCode": "94105"
        }
    },
    "paymentInformation": {
        "card": {
            "expirationMonth": "05",
            "expirationYear": "2029",
            "number":"4XXXXXXXXXXX2X24"
            }
        },
    "deviceInformation": {
        "httpAcceptBrowserValue": "data",
        "httpAcceptContent": "pa_http_user_accept_value",
        "httpBrowserLanguage": "en_us",
        "httpBrowserJavaEnabled": false,
        "httpBrowserJavaScriptEnabled": false,
        "httpBrowserColorDepth": "24",
        "httpBrowserScreenHeight": "864",
        "httpBrowserScreenWidth": "1536",
        "httpBrowserTimeDifference": "300",
        "userAgentBrowserValue": "123"
        },
    "consumerAuthenticationInformation": {
        "deviceChannel": "Browser",
        "challengeCode": "06"
        }
}
Response to Successful Request
{
    "clientReferenceInformation": {
        "code": "test"
    },
    "consumerAuthenticationInformation": {
        "eciRaw": "07",
        "authenticationTransactionId": "2DkdQ8ZG1urNNQR0XTM1",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "effectiveAuthenticationType": "FR",
        "authorizationPayload": "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",
        "eci": "07",
        "token": "AxjzbwSTlC3VWiL9QyNJAEQBTRduBSgekC4lp/cMm2OKOPlRqQoBgAAAyhZr",
        "cavv": "AJkBBkhgQQAAAE4gSEJydQAAAAA=",
        "paresStatus": "I",
        "acsReferenceNumber": "CardinalACS",
        "xid": "AJkBBkhgQQAAAE4gSEJydQAAAAA=",
        "directoryServerTransactionId": "ce8c3595-1868-4242-b3ee-35689df2f2ce",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "205e97c1-f15a-480f-8497-55e9a68cf046",
        "acsOperatorID": "MerchantACS",
        "ecommerceIndicator": "internet",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "3047573f-590e-46b5-83f4-6a49c1b4239c"
    },
    "id": "7455787250786729403209",
    "paymentInformation": {
        "card": {
            "bin": "400000",
            "type": "VISA"
        }
    },
    "status": "AUTHENTICATION_SUCCESSFUL",
    "submitTimeUtc": "2025-04-25T10:58:47Z"
}

REST Example: Bundled Authentication and Authorization with Visa Data Only

Request
{
    "clientReferenceInformation": {
        "code": "test"
        },
    "orderInformation": {
        "amountDetails": {
            "currency": "USD",
            "totalAmount": "10.99"
            },
    "billTo": {
        "address1": "1 Market St",
        "address2": "Address 2",
        "administrativeArea": "CA",
        "country": "US",
        "locality": "san francisco",
        "firstName": "Test",
        "lastName": "Testlastname",
        "phoneNumber": "4158880000",
        "email": "[email protected]",
        "postalCode": "94105"
        }
    },
    "processingInformation": {
        "actionList": [
            "CONSUMER_AUTHENTICATION"
            ]
        },
    "paymentInformation": {
        "card": {
            "expirationMonth": "05",
            "expirationYear": "2029",
            "number":"4XXXXXXXXXXX20X4"
            }
        },
    "deviceInformation": {
        "httpAcceptBrowserValue": "data",
        "httpAcceptContent": "pa_http_user_accept_value",
        "httpBrowserLanguage": "en_us",
        "httpBrowserJavaEnabled": false,
        "httpBrowserJavaScriptEnabled": false,
        "httpBrowserColorDepth": "24",
        "httpBrowserScreenHeight": "864",
        "httpBrowserScreenWidth": "1536",
        "httpBrowserTimeDifference": "300",
        "userAgentBrowserValue": "123"
        },
    "consumerAuthenticationInformation": {
        "deviceChannel": "Browser",
        "challengeCode": "06"
        }
}
Response to Successful Request
{
    "_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/7455831774536819703209/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/7455831774536819703209"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/7455831774536819703209/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "test"
    },
    "consumerAuthenticationInformation": {
        "eciRaw": "07",
        "authenticationTransactionId": "30lLF8FUJmwmp3VofTC1",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "effectiveAuthenticationType": "FR",
        "authorizationPayload": "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",
        "eci": "07",
        "token": "Axj/7wSTlC5ziEBhdn2pAEQs3aNWrhmxbt2jVm2cMXLdgzZMHKaLtwTReAU0Xbgmi9pAuJaf3DJtjijj5UakLAZJyhc5xCAwuz7UgAAA5APX",
        "cavv": "AJkBBkhgQQAAAE4gSEJydQAAAAA=",
        "paresStatus": "I",
        "acsReferenceNumber": "CardinalACS",
        "xid": "AJkBBkhgQQAAAE4gSEJydQAAAAA=",
        "directoryServerTransactionId": "6a86e628-7686-478f-b5e3-4f31c115c70f",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "4e4689c5-97ac-469b-8d67-0613d8794de7",
        "acsOperatorID": "MerchantACS",
        "ecommerceIndicator": "internet",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "750f9938-0c63-4734-864c-d6891a276ef2"
    },
    "id": "7455831774536819703209",
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "10.99",
            "currency": "USD"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "001"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "001"
        },
        "card": {
            "bin": "400000",
            "type": "001"
        }
    },
    "processorInformation": {
        "systemTraceAuditNumber": "061920",
        "approvalCode": "831000",
        "merchantAdvice": {
            "code": "01",
            "codeRaw": "M001"
        },
        "responseDetails": "ABC",
        "networkTransactionId": "016153570198200",
        "retrievalReferenceNumber": "511512061920",
        "consumerAuthenticationResponse": {
            "code": "2",
            "codeRaw": "2"
        },
        "transactionId": "016153570198200",
        "responseCode": "00",
        "avs": {
            "code": "Y",
            "codeRaw": "Y"
        }
    },
    "reconciliationId": "7455831774536819703209",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2025-04-25T12:12:59Z",
    "tokenInformation": {
        "additionalInformation": "0"
    }
}