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Authorization for Cash Advance with Credit Card {#cp-services-auth-cash-adv-intro}
==================================================================================

Using the cash advance feature, a cardholder can withdraw cash against their credit card account limit at their bank. The cardholder presents their credit card and identification to bank staff or uses the bank's card terminal to complete this transaction. IMPORTANT The cash advance with credit card at ATM option is not supported currently.  
These card types support cash advance with credit card transactions in the U.S:

* Discover. The minimum transaction amount is 10.00 USD.
* Mastercard
* Visa
  {#cp-services-auth-cash-adv-intro_ul_kmt_yqq_42c}

Fields Specific to This Use Case
--------------------------------

processingInformation.authorizationOptions.cashAdvanceIndicator
:
Set the value to `true`.

merchantInformation.categoryCode
:
Set the value to `6010`. This field is not required if merchant category code `6010` is configured in the merchant account. If sent, this field overrides the value in the merchant account.

Endpoint {#cp-services-auth-cash-adv-intro_d7e16}
-------------------------------------------------

**Production:** `POST ``https://api.visaacceptance.com``/pts/v2/payments`{#cp-services-auth-cash-adv-intro_d7e25}  
**Test:** `POST ``https://apitest.visaacceptance.com``/pts/v2/payments`{#cp-services-auth-cash-adv-intro_d7e35}

Required Fields for Authorization for Cash Advance with Credit Card {#cp-services-auth-cash-adv-req-fields}
===========================================================================================================

clientReferenceInformation.code
:

clientReferenceInformation.partner. thirdPartyCertificationNumber
:
`Visa Acceptance Solutions` provides the value for this field.

clientReferenceInformation.transactionId
:

merchantInformation.categoryCode
:
Set the value to `6010`. This field is not required when merchant category code `6010` is configured in the merchant account. If sent, this field overrides the value in the merchant account.

merchantInformation.transactionLocalDateTime
:

orderInformation.amountDetails.currency
:

orderInformation.amountDetails.totalAmount
:

paymentInformation.card.type
:

pointOfSaleInformation.emv.cardSequenceNumber
:

pointOfSaleInformation.emv.tags
:

pointOfSaleInformation.encryptedKeySerialNumber
:

pointOfSaleInformation.encryptedPin
:

pointOfSaleInformation.entryMode
:

pointOfSaleInformation.pinBlockEncodingFormat
:

pointOfSaleInformation.terminalCapability
:

pointOfSaleInformation.terminalPinCapability
:

pointOfSaleInformation.trackData
:

processingInformation.authorizationOptions.cashAdvanceIndicator
:
Set the value to `true`.

processingInformation.commerceIndicator
:
Set the value to `retail`.

REST Example: Authorization for Cash Advance with Credit Card {#cp-services-auth-cash-adv-ex-rest}
==================================================================================================

Request

```
{
    "clientReferenceInformation": {
        "code": "Cash Advance",
        "transactionId": "uniqueValue1",
        "partner": {
            "thirdPartyCertificationNumber": "testTPCN"
        }
    },
    "processingInformation": {
        "authorizationOptions": {
            "cashAdvanceIndicator": "true"
        },
        "commerceIndicator": "retail"
    },
    "paymentInformation": {
        "card": {
            "type": "001"
        }
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "9900.00",
            "currency": "USD"
        }
    },
    "pointOfSaleInformation": {
        "entryMode": "contact",
        "terminalCapability": 4,
        "terminalPinCapability": 6,
        "emv": {
            "tags": "5F3401019F3303E0F8C8950580800480009F370465B81A3A9F100706011203A0A0009F2608E9D097D1901E8AB99F36020002820218009C01009F1A0208409A032307259F02060000000007005F2A0208409F0306000000000000DF78083831393931303236DF791B322D30323436362D312D31432D5246492D303331332D342E332E62",
            "cardSequenceNumber": "01"
        },
        "trackData": ";4761xxxxxxxxxxxx=251220111478549?",
        "pinBlockEncodingFormat":0,
        "encryptedPin": "F509429A3C3FD201",
        "encryptedKeySerialNumber": "FFFF1B1D140000200001"
    },
    "merchantInformation": {
        "transactionLocalDateTime": "20230724085022"
    }
}
```

Response to a Successful Request

```
{
    "_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/6938891699856080004953/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/6938891699856080004953"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/6938891699856080004953/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "test123",
        "transactionId": "uniqueValue1"
    },
    "id": "6938891699856080004953",
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "9900.00",
            "currency": "USD"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "type": "001"
        }
    },
    "paymentInformation": {
        "accountFeatures": {
            "category": "A",
            "group": "0"
        },
        "tokenizedCard": {
            "type": "001"
        },
        "card": {
            "type": "001"
        }
    },
    "pointOfSaleInformation": {
        "emv": {
            "tags": "9F36020015910AB58D60185BEF0247303072179F180430303031860E04DA9F580903B1BAEDFD1438BA48"
        }
    },
    "processorInformation": {
        "systemTraceAuditNumber": "188535",
        "approvalCode": "831000",
        "networkTransactionId": "016153570198200",
        "retrievalReferenceNumber": "324704188535",
        "transactionId": "016153570198200",
        "responseCode": "00",
        "avs": {
            "code": "2"
        }
    },
    "reconciliationId": "6938891699856080004953",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2023-09-05T04:46:10Z"
}
```

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