Cash Advance - emvchipcashadvance

This section describes the message parameters for EMV Chip Cash Advance transaction processing, which you can submit using the XML API integration method. Refer to the Integration Methods section for more information.

The emvchipcashadvance transaction obtains real-time cash advance for a chip credit card. The cash advance option must be enabled in the terminal for performing emvchipcashadvance transaction.

note

  • An emvchipupdatetxn transaction must be sent once an emvchipcashadvancesale has been completed and the Chip card has returned additional data.
  • POS system will need to update the chip or device with the Issuer Script received from the authorization.

In this section:

For the entire list of API endpoints, refer to API Endpoints.

Request

Field nameDescriptionRequiredLengthData type
ssl_merchant_idMerchant ID
Elavon-assigned Converge Account ID (AID).
Required6 or 7numeric
ssl_user_idConverge User ID
The user ID with Hosted Payment API User status that can send transaction requests through the terminal.
Required15alphanumeric
ssl_pinTerminal ID
Unique identifier of the terminal that will process the transaction request and submit to the Converge gateway.
The ssl_user_id sending the transaction request must be associated with the terminal that will process the request.
Required64alphanumeric
ssl_transaction_typeTransaction Type
Valid value:  emvchipcashadvance
Required20alphanumeric
[Card Data]
ssl_tlv_encEncrypted Tag Length Value
Data defining the EMV record. The data includes the following:
  • Total Authorization Amount
  • Tip Amount (if available)
Required4hex
ssl_pos_modePOS Device Data Entry Capability
Indicates how the POS device captures card data.
Valid values:
  • 03 - EMV chip-capable (ICC) - Contactless only
  • 04 - EMV chip-capable (ICC) - Contact only with magnetic stripe
  • 05 - EMV chip-capable (ICC) - Dual interface with magnetic stripe
Required2numeric
ssl_entry_modeTransaction Entry Indicator
Indicates how the track data was captured.
Valid values:
  • 05 - EMV (ICC) with CVV or iCVV
  • 06 - EMV (ICC) Proximity Read
  • 07 - EMV (ICC) without CVV or iCVV
Required2numeric
[Optional Fields]
ssl_avs_zipPostal or ZIP Code
Address Verification Service (AVS) data compared with the postal or ZIP code on the card issuer’s file.
Recommended for hand-keyed transactions to qualify for better interchange rates.
Optional9alphanumeric
ssl_vm_mobile_sourceMobile Source
Valid values:
  • BBERRY - BlackBerry Mobile Device
  • ADROID - Android Mobile Device
  • ITUNES - Apple Mobile Device
  • WIN8 - Windows WIN8-based Device
  • NOMOB - Non-mobile Device

Required for encrypting devices.
Optional-alphanumeric
ssl_vendor_idVendor ID
Unique vendor identifier assigned by Elavon.
Required for encrypting devices and certification.
Conditional8alphanumeric
ssl_decline_offlineDecline Transaction Indicator
Indicates the action for the EMV card or reader to take when terminals are offline.
Valid values:
  • Y - Chip card or reader declines transaction
  • N - Chip card or reader approves transaction
Optional1alphanumeric
[Invoice Number]Use only on terminals that are set up with the Invoice Number credit card payment option
ssl_invoice_numberInvoice/Ticket Number
Unique identifier of the invoice or ticket.
Optional25alphanumeric
[Doing Business As]Use only on terminals that are set up with the DBA Name terminal option.
ssl_dynamic_dbaDoing Business As Name
Merchant-defined descriptors that replace the merchant’s business name on credit card statements.
Format: Prefix*Descriptor
Length: Prefix = 3, 7, or 12, Asterisk = 1, Descriptor = 21 - (Prefix + Asterisk)
Example: MANYMAG*BAKERS MONTHLY
Optional21alphanumeric
[Purchasing Cards]Use only on terminals that are set up with the Purchasing Card 2 credit card payment option
ssl_customer_codeCustomer Code or Purchase Order Number
Customer ID or PO number specified in the billing statement of the cardholder.
Optional17alphanumeric
ssl_salestaxSales Tax
Tax amount to add to the purchase or sales amount. For a tax exempt transaction, enter 0.00.
Format: Amount with 2 decimal places.
Optional8alphanumeric
[Optional Fields]
ssl_bin_overrideOverride Bank Identification Number (BIN)
Allows the integrated application to pass the ssl_Customer_code and/or ssl_salestax values for non-corporate cards.
Valid value:  1 - Pass customer code and/or sales tax for non-corporate card transaction requests
Optional1numeric
ssl_lane_numberLane Number
A unique identifier for point of sale devices that can be passed to satisfy Mastercard’s unique Terminal ID requirement
Optional8numeric

Response

Field nameDescription
ssl_account_balanceAccount balance
Available balance on the card.
ssl_account_typeAccount Type on File
Valid values:
  • Checking
  • Savings
  • Default
ssl_address2Address Line 2
Apartment or condominium unit number and floor number on the cardholder’s or customer’s account or billing address.
ssl_amountTransaction Amount
The total transaction amount that may include any Surcharge and Cashback amount.
ssl_approval_codeTransaction Approval Code
Unique code returned by the credit card processor that indicates the approval status of the transaction.
ssl_avs_addressAddress Line 1
Address Verification Service (AVS) data compared with the address on the card issuer’s file.
Commonly the house number and street name on the cardholder’s / customer’s account or billing address.
Recommended for hand-keyed transactions to qualify for better interchange rates.
ssl_avs_zipPostal or ZIP Code
Address Verification Service (AVS) data compared with the postal or ZIP code on the card issuer’s file.
Recommended for hand-keyed transactions to qualify for better interchange rates.
ssl_card_numberMasked Card Number
Converge only returns the first 2 or last 4 digits of the regular PAN.
ssl_card_short_descriptionShort Card Brand Name
Valid values are: MC and VISA.
ssl_cityCity
City name on the cardholder’s / customer’s account or billing address.
ssl_companyCompany Name
Company name on the cardholder’s / customer’s account or billing address.
ssl_countryCountry ISO Code
Country ISO code on the cardholder’s / customer’s account or billing address.
ssl_emailEmail Address
The cardholder’s or customer’s email address.
ssl_exp_dateCard’s Expiry Date
Returned based on merchant setup
Format:  MMYY
ssl_first_nameFirst Name
First name on the cardholder’s / customer’s account or billing address.
ssl_last_nameLast Name
Last name on the cardholder’s / customer’s account or billing address.
ssl_issuer_responseIssuer Response
ssl_phonePhone
Phone number on the cardholder’s / customer’s account or billing address.
Important: Accepts dashes.
ssl_resultTransaction Outcome
An ssl_result = 0 indicates an approved transaction.
An ssl_result not equal to 0 indicates a declined and unauthorized transaction.
ssl_result_messageTransaction Result Message
Refer to the Debit Card Response Codes section for an extensive list of possible returned messages.
Important: When the Chip sends a decline by card, submit an emvreverse transaction to reverse an approved authorization.
ssl_response_codeAuthorization Result Code
Refer to the EMV Card Response Codes section for an extensive list of possible returned response codes.
ssl_ship_from_postal_codeZIP Code
ZIP or postal code of the originating address.
Important: Only applicable to terminals that are set up with the Level 3 terminal option.
ssl_ship_to_address1Address Line 1
House number and street name on the shipping address.
ssl_ship_to_address2Address Line 2
Apartment or condominium unit number and floor number on the shipping address.
ssl_ship_to_cityCity
Name of the city on the shipping address.
ssl_ship_to_companyCompany Name
Name of the company (recipient) on the shipping address.
ssl_ship_to_countryCountry
Country ISO code on the shipping address.
ssl_ship_to_first_nameFirst Name
First name of the recipient on the shipping address.
ssl_ship_to_last_nameLast Name
Last name of the recipient on the shipping address.
ssl_ship_to_phonePhone
Phone number on the shipping address.
ssl_ship_to_stateState Code
State code on the shipping address.
ssl_ship_to_zipZIP Code
Postal or ZIP code on the shipping address.
ssl_stateState Code
State or province code on the cardholder’s / customer’s account or billing address.
ssl_transaction_typeTransaction Type
Valid value:  emvchipcashadvance
ssl_txn_idTransaction ID
Unique identifier of the transaction.
ssl_txn_timeProcessing Date and Time
Indicates when Converge processed the transaction.
Format: MM/DD/YYYY hh:mm:ss AM/PM
Example: 03/18/2020 10:34:10 AM
ssl_tran_codeTransaction code from the original authorization attempt
ssl_update_emv_keysUpdate EMV Keys Indicator
Indicates whether an EMV key exchange is needed because the Issuer keys have changed.
Valid values:
  • Y - Perform EMV key exchange
  • N - Do not perform EMV key exchange

Important: If set to Y, perform an emvkeyexchange transaction.
[Invoice Number]Returned only if Invoice Number parameters are sent in the request.
ssl_invoice_numberInvoice Number
The invoice number or ticket number sent in the original request.
[Integrated Circuit Card]
ssl_icc_issuerscriptIssuer Script
Returns the Issuer to the POS.
ssl_icc_csnCard Sequence Number
Differentiates the chip cards that use the same Primary Account Number (PAN).
ssl_icc_atcApplication Transaction Counter
Incrementing counter value managed by the application in the chip card.
ssl_icc_arpcIssuer Authentication Data
Contains the data sent to the chip card for online issuer authentication.
ssl_icc_cardtypeTransaction Card Type
Valid values:  Credit, Debit
ssl_icc_cvmrCard Verification Method Result
ssl_icc_aidApplication ID
ssl_icc_iadIssuer Application Data
ssl_icc_arcAuthorization Response Code
ssl_icc_app_nameApplication Name
ssl_icc_tvrTerminal Verification Result
ssl_icc_tsiTransaction Status Information
ssl_icc_app_arcAuthorization Response Code
ssl_card_schemeAssociation Long Name
As defined in the Converge Bank Identification Number (BIN) file.
[Card On File]
ssl_oar_dataOriginal Authorization Response Data
This data will be as received during the original authorization processing.
This is a retain and return value for terminal-based settlement messages.
You may store this field with the payment details from the transaction to make future Card On File transactions.
ssl_ps2000_dataPS2000
This data will be as received during the original authorization processing.
This is a retain and return value for terminal-based settlement messages.
You must store this field with the payment details from the transaction to make future Card On File transactions.
[Error]Returned only if an error occurs. Refer to the Error Codes section for more information.
errorCodeError Code
Typically, when the transaction failed validation or the request is incorrect. This will prevent the transaction from going to authorization. This is a numeric field.
errorMessageError Message
Detailed explanation of the error. This field may be changed based on merchant configuration in the user interface.
errorNameError Name
Error name or reason for the error.

Example

important

  • In this example, you will have to change the data values, such as my_merchant_id, my_user_id, my_pin, and transaction data to match your Converge account and meet the needs of your website.
  • Code samples provided are for demonstration only and should not be used for live transactions. All sensitive merchant data, including transaction amounts and your Converge credentials, should be placed in server side code.

Request

A Chip cash advance of 11.00.

xmldata=
<txn>
    <ssl_merchant_id>my_merchant_id</ssl_merchant_id>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_transaction_type>emvchipcashadvance</ssl_transaction_type>
    <ssl_tlv_enc>
        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
    </ssl_tlv_enc>
    <ssl_pos_mode>05</ssl_pos_mode>
    <ssl_entry_mode>05</ssl_entry_mode>
</txn>

Response

xmldata=
<txn>
    <ssl_transaction_type>emvchipcashadvance</ssl_transaction_type>
    <ssl_response_code>AA</ssl_response_code>
    <ssl_icc_csn>01</ssl_icc_csn>
    <ssl_icc_atc>0002</ssl_icc_atc>
    <ssl_icc_arpc>E2FBA6BD4C31F6463030</ssl_icc_arpc>
    <ssl_icc_issuerscript/>
    <ssl_icc_cardtype>CREDITCARD</ssl_icc_cardtype>
    <ssl_icc_aid>A0000000031010</ssl_icc_aid>
    <ssl_icc_iad>06010A03A00000</ssl_icc_iad>
    <ssl_icc_tvr>0280008000</ssl_icc_tvr>
    <ssl_icc_tsi>E800</ssl_icc_tsi>
    <ssl_icc_app_name>CREDITO DE VISA/VISA CREDIT</ssl_icc_app_name>
    <ssl_icc_arc/>
    <ssl_icc_cvmr>1E0300</ssl_icc_cvmr>
    <ssl_txn_id>091221M33-47FBE5D4-5F0C-4870-BA48-187DEB9DFE6C</ssl_txn_id>
    <ssl_txn_time>12/09/2021 12:50:56 PM</ssl_txn_time>
    <ssl_card_type>CREDITCARD</ssl_card_type>
    <ssl_issuer_response>00</ssl_issuer_response>
    <ssl_account_balance>0.00</ssl_account_balance>
    <ssl_ps2000_data>A7513436425687722531A</ssl_ps2000_data>
    <ssl_oar_data>010011203012091750560000047554200000000000327287134317112030</ssl_oar_data>
    <ssl_card_scheme>VISA</ssl_card_scheme>
    <ssl_result_message>APPROVAL</ssl_result_message>
    <ssl_result>0</ssl_result>
    <ssl_update_emv_keys>Y</ssl_update_emv_keys>
    <ssl_approval_code>327287</ssl_approval_code>
    <ssl_card_number>Cardnumber</ssl_card_number>
    <ssl_exp_date>Expirydate</ssl_exp_date>
    <ssl_amount>11.00</ssl_amount>
    <ssl_card_short_description>VISA</ssl_card_short_description>
    <ssl_tran_code>000</ssl_tran_code>
    <ssl_company/>
    <ssl_first_name>CARD 01</ssl_first_name>
    <ssl_last_name>VISA ACQUIRER TEST</ssl_last_name>
    <ssl_avs_address/>
    <ssl_address2/>
    <ssl_city/>
    <ssl_state/>
    <ssl_avs_zip/>
    <ssl_country/>
    <ssl_phone/>
    <ssl_email/>
    <ssl_ship_to_company/>
    <ssl_ship_to_first_name/>
    <ssl_ship_to_last_name/>
    <ssl_ship_to_address1/>
    <ssl_ship_to_address2/>
    <ssl_ship_to_city/>
    <ssl_ship_to_state/>
    <ssl_ship_to_zip/>
    <ssl_ship_to_country/>
    <ssl_ship_to_phone/>
</txn>