Basic Authorization {#payments-processing-basic-auth-intro}
===========================================================

This section provides the information you need in order to process a basic authorization.
All supported card types can process authorizations.

Endpoint {#payments-processing-basic-auth-intro_d7e16}
------------------------------------------------------

**Production:** `POST ``https://api.visaacceptance.com``/pts/v2/payments`{#payments-processing-basic-auth-intro_d7e25}  
**Test:** `POST ``https://apitest.visaacceptance.com``/pts/v2/payments`{#payments-processing-basic-auth-intro_d7e35}

Declined Authorization {#payments-intro-processing-auth-decline}
================================================================

If an authorization is declined, you can use response categories to help you decide whether to retry or block a declined transaction. These response fields provide additional information:

* paymentInsightsInformation.responseInsights.category
* paymentInsightsInformation.responseInsights.categoryCode

Category codes have possible values (such as `01`) each of which corresponds to a category that contains a description.  
You cannot retry this category code and category:

* `01 ISSUER_WILL_NEVER_APPROVE`

{#payments-intro-processing-auth-decline_ul_wxl_1yx_f5b}For these values, you can retry the transaction a maximum of 15 times over a period of 30 days:


* `02 ISSUER_CANNOT_APPROVE_AT_THIS_TIME`
* `03 ISSUER_CANNOT_APPROVE_WITH_THESE_DETAILS`: Data quality issue. Revalidate data prior to retrying the transaction.
* `04 GENERIC_ERROR`
* `97 PAYMENT_INSIGHTS_INTERNAL_ERROR`
* `98 OTHERS`
* `99 PAYMENT_INSIGHTS_RESPONSE_CATEGORY_MATCH_NOT_FOUND`
  {#payments-intro-processing-auth-decline_ul_zf4_4yx_f5b}

Required Fields for Processing a Basic Authorization {#payments-processing-basic-auth-required}
===============================================================================================

> IMPORTANT  
> When relaxed requirements for address data and the expiration date are being used, not all fields in this list are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. For details about relaxed requirements, see [Relaxed Requirements for Address Data and Expiration Date in a Payment](/docs/vas/en-us/payments/developer/ctv/rest/payments/payments-relax-reqs.md "").

orderInformation.amountDetails.currency
:

orderInformation.amountDetails.totalAmount
:

orderInformation.billTo.address1
:

orderInformation.billTo.administrativeArea
:

orderInformation.billTo.country
:

orderInformation.billTo.email
:

orderInformation.billTo.firstName
:

orderInformation.billTo.lastName
:

orderInformation.billTo.locality
:

orderInformation.billTo.postalCode
:

paymentInformation.card.expirationMonth
:

paymentInformation.card.expirationYear
:

paymentInformation.card.number
:

REST Example: Processing a Basic Authorization {#payments-processing-basic-auth-ex-rest}
========================================================================================

Request

```keyword
{
    "orderInformation": {
        "billTo": {
            "country": "US",
            "lastName": "Kim",
            "address1": "201 S. Division St.",
            "postalCode": "48104-2201",
            "locality": "Ann Arbor",
            "administrativeArea": "MI",
            "firstName": "Kyong-Jin",
            "email": "test@vas.com"
        },
        "amountDetails": {
            "totalAmount": "100.00",
            "currency": "usd"
        }
    },
    "paymentInformation": {
        "card": {
            "expirationYear": "2031",
            "number": "4111111111111111",
            "expirationMonth": "12",
            "type": "001"
        }
    }
}
```

Response to a Successful Request

```
{
  "_links" : {
    "authReversal" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/6461731521426399003473/reversals"
    },
    "self" : {
      "method" : "GET",
      "href" : "/pts/v2/payments/6461731521426399003473"
    },
    "capture" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/6461731521426399003473/captures"
    }
  },
  "clientReferenceInformation" : {
    "code" : "1646173152047"
  },
  "id" : "6461731521426399003473",
  "orderInformation" : {
    "amountDetails" : {
      "authorizedAmount" : "100.00",
      "currency" : "usd"
    }
  },
  "paymentAccountInformation" : {
    "card" : {
      "type" : "001"
    }
  },
  "paymentInformation" : {
    "tokenizedCard" : {
      "type" : "001"
    },
    "card" : {
      "type" : "001"
    }
  },
 "paymentInsightsInformation" : {
    "responseInsights" : {
      "categoryCode" : "01"
    }
  },
  "processorInformation" : {
    "systemTraceAuditNumber" : "862481",
    "approvalCode" : "831000",
    "merchantAdvice" : {
      "code" : "01",
      "codeRaw" : "M001"
    },
    "responseDetails" : "ABC",
    "networkTransactionId" : "016153570198200",
    "consumerAuthenticationResponse" : {
      "code" : "2",
      "codeRaw" : "2"
    },
    "transactionId" : "016153570198200",
    "responseCode" : "00",
    "avs" : {
      "code" : "Y",
      "codeRaw" : "Y"
    }
  },
  "reconciliationId" : "6461731521426399003473",
  "status" : "AUTHORIZED",
  "submitTimeUtc" : "2022-03-01T22:19:12Z"
}
```

Response to a Declined Request

```
{
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "errorInformation": {
    "reason": "PROCESSOR_ERROR",
    "message": "Invalid account"
  },
  "id": "6583553837826789303954",
  "paymentInsightsInformation": {
    "responseInsights": {
      "categoryCode": "01",
      "category": "ISSUER_WILL_NEVER_APPROVE"
    }
  },
  "pointOfSaleInformation": {
    "amexCapnData": "1009S0600100"
  },
  "processorInformation": {
    "systemTraceAuditNumber": "004544",
    "merchantNumber": "1231231222",
    "networkTransactionId": "431736869536459",
    "transactionId": "431736869536459",
   "responseCode": "111",
    "avs": {
      "code": "Y",
      "codeRaw": "Y"
    }
  },
  "status": "DECLINED"
}

```