PINless Bill Pay - pldbillpay

Merchants that process both recurring transactions and PINless debit transactions can take advantage of PINless bill pay. PINless bill pay transactions can run after confirming that the card the transaction will charge to is valid using binlookup.

In this section:

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


PINless bill pay is available on terminals with the following settings:

  • Region set to USA
  • Debit enabled
  • PINless Debit Bill Pay enabled
  • Eligible Merchant MCC/SIC Code

Process Flow

Before sending a request for a PINless bill pay transaction, you need to confirm that the card supports PINless bill pay as an option. To do this, send a binlookup request and check for the following field/value combinations.

  • <debit>Y</debit>
  • <billPaymentSupport>Y</billPaymentSupport>


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.
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.
ssl_transaction_typeTransaction Type
Valid value:  pldbillpay
ssl_amountTransaction Amount
The base amount that does not include the Surcharge amount.
Format: Number with 2 decimals places
ssl_customer_numberCustomer/Payee Account Number
Important:   ssl_invoice_number will be replaced with ssl_customer_number
[Card Data]
ssl_card_numberCard Number
Card Number as it appears on the debit card.
ssl_exp_dateCard’s Expiry Date
Date when the card becomes invalid.
Format: MMYY
ssl_account_typeBank Deposit Account Type
Valid values:
  • 0 - Checking
  • 1 - Savings


Field nameDescription
ssl_account_balanceAccount Balance
Available balance on the card.
ssl_issuer_responseOriginal Issuer Response
The issuer response returned during the authorization attempt.
An ssl_issuer_response = 00 indicates success.
An ssl_issuer_response not equal to 00 indicates a decline or failure.
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.
ssl_reference_numberTransaction Reference Number
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: 03/18/2022 10:34:10 AM
ssl_approval_codeTransaction Approval Code
Unique code returned by the credit card processor that indicates the approval status of the transaction.
ssl_card_numberMasked Card Number
Converge only returns the first 2 or last 4 digits of the regular PAN.
ssl_card_typePayment Type
Valid value:  DEBITCARD
ssl_account_typeBank Deposit Account Type
Valid values:
  • 0 - Checking
  • 1 - Savings
ssl_amountTransaction Amount
The total transaction amount that may include the Surcharge amount.
[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.



  • In all of these examples, 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.




Successful Response

    <ssl_txn_time>02/05/2020 01:03:56 PM</ssl_txn_time>

Card Not Eligible

    <errorName>Payment Card Not Eligible for Debit Bill Pay</errorName>
    <errorMessage>The provided payment card is not eligible for Debit Bill Pay.</errorMessage>

PINless Bill Pay Not Enabled

    <errorName>This terminal or user id is not permitted to process this transaction type.</errorName>
    <errorMessage>Not Permitted</errorMessage>