MasterCard Requirements

MasterCard Specific Certification Requirements include:

  • Payment Facilitator
  • Zero-dollar Approval with Subsequent Declines
  • Card Verification Value (CVV2/CVC2/CID)
  • Approvals

Payment Facilitator

Customers who are identified as a Payment Facilitator need to migrate to the Elavon E4 host in order to pass the following dynamic fields:.

  • Merchant passes API fields 7015 – 7051 to a payment facilitator, who in turn is responsible for passing these fields to Elavon.
  • Sale transaction in which the final dollar amount is known at the time of authorization (amount will not change) the following values are used:
    • F is Final Amount
    • P is passed on an authorization (type 01) if the final dollar amount may change between the authorization and Prior Authorization transactions

important

Dynamic Payment Facilitator (PF) fields are only required where multiple sub-merchants funnel transactions through a single MID. Not industry specific and can apply to Retail, e-commerce or MOTO transactions.

The following table identifies API fields 7015 – 7051.

API FieldField NameSizeTypeMerchant is able to dynamically change:
7015Dynamic DBA1-25A/N“Doing Business As” name on each transaction submitted to the host for authorization.
7016Dynamic Street Address1-30A/NStreet Address on each transaction submitted to the host for authorization.
7017Dynamic City2A/NStreet Address on each transaction submitted to the host for authorization.
7018Dynamic State2A/NState on each transaction submitted to the host for authorization.
7019Dynamic Postal Code1-9A/NPostal Code on each transaction submitted to the host for authorization.
7020Dynamic Postal Code1-9A/NCountry Code on each transaction submitted to the host for authorization.
7021Dynamic Phone Number1-20NMerchant Phone Number on each transaction submitted to the host for authorization.
7022Dynamic Sub-Merchant ID1-15NAllows the merchant to dynamically change the Sub-Merchant ID on each transaction submitted to the host for authorization.
7023Dynamic Email Address1-70A/Nemail address on each transaction submitted to the host for authorization.
7024Dynamic MCC4NMCC on each transaction submitted to the host for authorization.
7025Dynamic Tax ID1-14A/NTax ID on each transaction submitted to the host for authorization.
7051Dynamic Auth Type Indicator1A/NRequired for Payment Facilitator Merchants.
Type of Authorization Transaction Valid Values:
F = Final Amount - amount is not expected to change for settlement
P = Pre-Authorization / Estimated Amount - amount may change between auth and settlement
The amount referenced is the total transaction amount provided in API field 2

Zero-dollar Approval with Subsequent Declines

To get a zero-dollar approval with subsequent declines, use the Zero Card (see Demo Card Scenarios).

  • Transaction is approved if the transaction amount (API 0002) is $0.00.
  • If transaction amount requested is greater than $0.00, the standard decline logic is applied.

Address Verification Service Approvals and Declines

For Address Verification Service (AVS), use the following values:

  • AVS ZIP Code (API 0700)

Example: 33606

  • AVS Billing Street Address (API 0701)

Example: 100 MAIN ST

Any matching values would be a match, and any other values would be a non-match.

The results will be placed in AVS Result Code (API 1020).

  • Y – Both ZIP Code and Billing Street Address Match
  • Z – ZIP Code Matches and Billing Street Address Does Not Match
  • A – ZIP Code Does Not Match and Billing Street Address Match
  • N – Neither ZIP Code or Billing Street Address Match

Card Verification Value (CVV2/CVC2/CID)

For Verification Value (CVV2/CVC2/CID), use the following values:

  • CVV2/CVC2/CID Information (API 0050)

Example: 382

A matching value would be a match, and any other value would be a non-match. The results will be placed in CVV2/CVC2/CID Response (API 0040).

  • M – Match
  • N – No Match

Approvals

To get a credit card approval, use any other card number that is not a Decline Card, Zero Card or Partial Authorization Card.