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

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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 Field Field Name Size Type Merchant is able to dynamically change:
7015 Dynamic DBA 1-25 A/N “Doing Business As” name on each transaction submitted to the host for authorization.
7016 Dynamic Street Address 1-30 A/N Street Address on each transaction submitted to the host for authorization.
7017 Dynamic City 2 A/N Street Address on each transaction submitted to the host for authorization.
7018 Dynamic State 2 A/N State on each transaction submitted to the host for authorization.
7019 Dynamic Postal Code 1-9 A/N Postal Code on each transaction submitted to the host for authorization.
7020 Dynamic Postal Code 1-9 A/N Country Code on each transaction submitted to the host for authorization.
7021 Dynamic Phone Number 1-20 N Merchant Phone Number on each transaction submitted to the host for authorization.
7022 Dynamic Sub-Merchant ID 1-15 N Allows the merchant to dynamically change the Sub-Merchant ID on each transaction submitted to the host for authorization.
7023 Dynamic Email Address 1-70 A/N email address on each transaction submitted to the host for authorization.
7024 Dynamic MCC 4 N MCC on each transaction submitted to the host for authorization.
7025 Dynamic Tax ID 1-14 A/N Tax ID on each transaction submitted to the host for authorization.
7051 Dynamic Auth Type Indicator 1 A/N Required 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.