Integration

To use the Masterpass service, you need:

Become a partner of the Masterpass program. Sign up either directly or with assistance of your account manager.
Ask your account manager to configure Masterpass parameters for your shop.
Implement additional integration methods:
Add the Masterpass logo on all pages. Ask your account manager for logo placement requirements.

Open a user session in Masterpass

The method is used to authorize a user in Masterpass in the following cases:

First and subsequent logins to the application;
The user session expired. Masterpass returns the error with Error_Code = 8 or Error_Code = 16. It is necessary to make a renewed request to open a user session and get a list of cards.

Request

Send a POST request to https://gateway.pay-cross.com/masterpass/login with the following parameters:

Parameter	Type	Description
phone * required	string	The customer's phone number.
fingerprint * required	string	A Base64-encoded set of unique parameters for the customer device. The guide for creating a parameter value is published in the Masterpass account (ask your account manager).
phone_check_date	string	A field for the last successful date of phone verification on the merchant side in the `Date(1612341218000)` (epoch time in milliseconds) format.
channel	integer	`0` = Recurring `1` = WEB `2` = APP iOS `3` = APP Android `4` = TVE `5` = SmartTV `6` = Smart devices `7` = USSD `8` = IVR `9` = Offline `10` = Other.
test	boolean	If the operation is a test one, set to `true`. Otherwise, `false`.

Example of the request

{
  "fingerprint": "SGVpZ2h0PTg5NjtXaWR0aD00MTQ7T1NWZXJzaW9uPVZlcnNpb24gMTIuMS40IChCdWlsZCAxNkQ1Nyk7RGV2aWNlSWQ9Njk5NkI3QTYtMjREOS00Rj\nVBLUJFMDktOTlBRDQyMEFBRkZGO1RpbWVab25lPUV1cm9wZS9Nb3Njb3c7TW9kZWw9aVBob25lIFhSO09TPWlPUztQaG9uZUlkPTRDNDQzQzI2LUNE\nQTItNDYxQS05QUVGLTNEQkNFMTJCMkVFNztWZXJzaW9uUmVsZWFzZT0xMi4xLjQ7IFJlbW90ZUlwPTkxLjIzOC4xMjAuMTcxO1Bhc3N3b3JkPWNhMz\ndiMzEzMmFhNTE2YzQ1MzdiYWYyOGJiYzI1OTk5OWU0ZDA5ZTZlZTE1NWFkYjNkOGRiMDMzODJlYWI5ODk7WEZvcndhcmRlZEZvcj05MS4yMzguMTIw\nLjE3MSwyMTYuMTE5LjIwOS42NDtPVFA9MDNBQzY3NDIxNkYzRTE1Qzc2MUVFMUE1RTI1NUYwNjc5NTM2MjNDOEIzODhCNDQ1OUUxM0Y5NzhEN0M4ND\nZGNDtBQT1VMA==",
  "phone": "77707811122",
  "phone_check_date": "Date(1612341218000)",
  "channel": 2,
  "test": true
}

Response

When the request is processed, the system sends a response specifying the following parameters:

Parameter	Type	Description
status	string	A response status. Returned in case of an error.
error_code	integer	An error code. Returned in case of an error.
error	string	An error message. Returned in case of an error.
is_otp_required	boolean	If `true`, OTP check is required. Otherwise, `false`.
session	string	A user session ID.
user_status	integer	A user status in Masterpass. If the status is not `1`, a request to get a card list is not required.

Example of the successful response

{
  "session": "c96fe83d-366c-420c-9038-da0fae844f0c",
  "is_otp_required": false,
  "user_status": 1
}

Error codes

If errors occur, use the following error_code description to detect the reason.

Error code	Description	Comment
0	None	Successful completion.
1	The service is not available for this card/user	The current user is blacklisted.
2	Api not allowed	Method call is prohibited after exceeding the allowed number of requests.
8	No user was found by the passed session	А non-existing session was transferred, or the session has expired. Session should be re-opened.
10	Wrong phone format	Invalid phone number format.
11	Empty DeviceId	The required parameter `DeviceId` is not transferred to `Fingerprint`, the field is empty or contains spaces.
13	Internal error while encrypting the response	Internal system error, additional check with Masterpass command required.
15	Merchant with such a name and password not found	The mandatory `Merchant` field was not transferred in the request or the Merchant with that name was not found.
19	The service is not available for this card/user or wrong params	The user is blacklisted. The maximum number of attempts to send OTP has been exceeded. The limitation is considered simultaneously for all Merchants. The request was sent with an incorrect or incomplete set of parameters.
20	Internal error	Internal system error, additional check with Masterpass command required.
23	RequestTokenNotFound	The transferred RequestToken value does not exist.
35	Wrong params	Mandatory parameters are not transferred to `Fingerprint`.
44	API_NOT_ALLOWED	Certificate not found or certificate expired or signing error.

Add a new card to Masterpass

Before you start

Open a user session before you save a new card in Masterpass.

Request

To save a new card, use payment or authorization requests with the following parameters:

Parameter	Type	Description
additional_data	object	Section of additional payment details.
contract * обязательный	array	Array with the following parameter: `recurring` - PayCross returns a card token to use it in subsequent charges without to enter a card data again. Customer agrees to be charged regularly, but initially the customer must make a payment with full card data including CVC/CVV code and pass 3-D Secure verification.
masterpass	object	Section of the Masterpass service parameters.
params	object	Section of the Masterpass parameters.
session * required	string	User session ID.

Example of the request for the payment transaction

{
  "request": {
    "amount": 100,
    "currency": "USD",
    "description": "www",
    "tracking_id": "save_card_test_masterpass_success_2",
    "billing_address": {
      "first_name": "John",
      "last_name": "Doe",
      "country": "US",
      "city": "Denver",
      "state": "CO",
      "zip": "96002",
      "address": "1st Street"
    },
    "credit_card": {
      "number": "4200000000000000",
      "verification_value": "123",
      "holder": "John Doe",
      "exp_month": "05",
      "exp_year": "2026"
    },
    "additional_data": {
      "contract": [
        "recurring"
      ],
      "masterpass": {
        "params": {
          "session": "a6fd8624-8060-46b3-b343-7a93126fd57f"
        }
      }
    },
    "customer": {
      "ip": "127.0.0.1",
      "email": "[email protected]",
      "birth_date": "1998-01-31"
    },
    "test": true
  }
}

Response

If the shop participates in the Masterpass program, after the payment is processed, PayCross makes a request to save the card in Masterpass. The repose contains the Masterpass token and the result of saving the card in Masterpass.

Info

If a payment is made only to save a card, after you receive a result of saving the card, make a refund.

Example of the response for the payment transaction in case of successful card saving

{
  "transaction": {
    "uid": "10134-ca74085dff",
    "status": "successful",
    "amount": 100,
    "currency": "USD",
    "description": "www",
    "type": "payment",
    "payment_method_type": "credit_card",
    "tracking_id": null,
    "message": "Successfully processed",
    "test": true,
    "created_at": "2021-03-15T07:47:27.904Z",
    "updated_at": "2021-03-15T07:47:31.095Z",
    "paid_at": "2021-03-15T07:47:31.055Z",
    "expired_at": null,
    "closed_at": null,
    "settled_at": null,
    "manually_corrected_at": null,
    "language": "en",
    "redirect_url": "https://gateway.pay-cross.com/process/10134-ca74085dff",
    "credit_card": {
      "holder": "John Doe",
      "stamp": "b3839d334ba40e89168d60cd9f9d1390aee3fe67dd4d5c41adbf3998043eaef8",
      "brand": "visa",
      "last_4": "0000",
      "first_1": "4",
      "bin": "420000",
      "issuer_country": null,
      "issuer_name": null,
      "product": null,
      "exp_month": 5,
      "exp_year": 2026,
      "token_provider": null,
      "token": "495f97d6-862a-4445-b537-06d4b3fa392f"
    },
    "receipt_url": "https://admin.pay-cross.com/customer/transactions/10134-ca74085dff/f3dcf8284bbe70f87d1714095eb8101053ec4de77dd04e5c74aa280e54276b3d",
    "id": "10134-ca74085dff",
    "additional_data": {
      "contract": [
        "recurring"
      ],
      "masterpass": {
        "params": {
          "session": "35b55f8e-36d4-467a-b41f-28468a031898"
        },
        "result": {
          "status": "successful",
          "message": "Postback successfully finished.",
          "token": "31b1e418-6a56-490d-bb5b-15f11a2040d8"
        }
      }
    },        
    "payment": {
      "auth_code": "654321",
      "bank_code": "05",
      "rrn": "999",
      "ref_id": "777888",
      "message": "Payment was approved",
      "amount": 100,
      "currency": "USD",
      "billing_descriptor": "test descriptor",
      "gateway_id": 288,
      "status": "successful"
    },
    "avs_cvc_verification": {
      "avs_verification": {
        "result_code": "1"
      },
      "cvc_verification": {
        "result_code": "1"
      }
    },
    "customer": {
      "ip": "127.0.0.1",
      "email": "[email protected]",
      "device_id": null,
      "birth_date": "1998-01-31"
    },
    "billing_address": {
      "first_name": "John",
      "last_name": "Doe",
      "address": "1st Street",
      "country": "US",
      "city": "Denver",
      "zip": "96002",
      "state": "CO",
      "phone": null
    }
  }
}

Error codes

If errors occur, use the following error_code description to detect the reason.

Error code	Description	Comment
0		Successful completion
1	The service is not available for this card/user	The current card is blacklisted. It is recommended to update the list of cards by calling the GetCards method or let the user save a new card
2	Card is not activated	Card details in this status cannot be received via GetCard method. It is recommended to update the list of cards by calling the GetCards method or let the user save a new card
3	The card was not found by the token	It is recommended to update the list of cards by calling the GetCards method or let the user save a new card
5	Customer with this phone number not found	-
12	This transaction is marked as fraud	-
15	Merchant with such a name and password not found	The required Merchant field was not transferred in the request, or the Merchant with the same name was not found
16	Session for the card not found, and it is not recurrent	A non-existing session was transferred, or the session has expired
17	Amount <= 0	The value of the `Amount` parameter should be strictly greater than `0`
19	Wrong params	The required parameter `Amount` is not transferred in the request, empty field or contains something other than numbers.
44	API_NOT_ALLOWED	Certificate not found or certificate expired or signing error

Example of the response with an error occurred while a card is being saved in Masterpass

{
  "transaction": {
    "uid": "9706-fde9808c80",
    "status": "successful",
    "amount": 100,
    "currency": "USD",
    "description": "www",
    "type": "payment",
    "payment_method_type": "credit_card",
    "tracking_id": "save_card_test_masterpass_success_2",
    "message": "Successfully processed",
    "test": true,
    "created_at": "2021-02-12T12:13:43.314Z",
    "updated_at": "2021-02-12T12:13:49.492Z",
    "paid_at": "2021-02-12T12:13:49.439Z",
    "expired_at": null,
    "closed_at": null,
    "settled_at": null,
    "manually_corrected_at": null,
    "language": "en",
    "redirect_url": "https://gateway.pay-cross.com/process/9706-fde9808c80",
    "credit_card": {
      "holder": "John Doe",
      "stamp": "b3839d334ba40e89168d60cd9f9d1390aee3fe67dd4d5c41adbf3998043eaef8",
      "brand": "visa",
      "last_4": "0000",
      "first_1": "4",
      "bin": "420000",
      "issuer_country": null,
      "issuer_name": null,
      "product": null,
      "exp_month": 5,
      "exp_year": 2026,
      "token_provider": null,
      "token": "330e7e46-2958-41f1-8272-42ea3e05ec4a"
    },
    "receipt_url": "https://admin.pay-cross.com/customer/transactions/9706-fde9808c80/c13d59bea3867441f360af4d4a7a75d6398d7d2eed34dd48185ee2e6df0522b4",
    "id": "9706-fde9808c80",
    "additional_data": {
      "contract": [
        "recurring"
      ],
      "masterpass": {
        "params": {
          "session": "session"
        },
        "result": {
          "status": "failed",
          "message": "SaveCard failed.",
          "error": "Masterpass error response",
          "error_message": null,
          "error_code": 8
        }
      }
    },       
    "payment": {
      "auth_code": "654321",
      "bank_code": "05",
      "rrn": "999",
      "ref_id": "777888",
      "message": "Payment was approved",
      "amount": 100,
      "currency": "USD",
      "billing_descriptor": "test descriptor",
      "gateway_id": 288,
      "status": "successful"
    },
    "avs_cvc_verification": {
      "avs_verification": {
        "result_code": "1"
      },
      "cvc_verification": {
        "result_code": "1"
      }
    },
    "customer": {
      "ip": "127.0.0.1",
      "email": "[email protected]",
      "device_id": null,
      "birth_date": "1998-01-31"
    },
    "billing_address": {
      "first_name": "John",
      "last_name": "Doe",
      "address": "1st Street",
      "country": "US",
      "city": "Denver",
      "zip": "96002",
      "state": "CO",
      "phone": null
    }
  }
}

Get cards from Masterpass

Before you start

Open a user session before getting a list of cards from Masterpass.

Info

PayCross removes from the list of cards brands that PayCross will not be able to process (the shop's gateway may not support the user's card brand, that he previously linked to Masterpass).

Request

Send a POST request to https://gateway.pay-cross.com/masterpass/get_cards with the following parameters:

Parameter	Type	Description
session * required	string	A user session ID.
test	boolean	If the operation will be a test one, set to `true`. Otherwise, `false`.

Example of the request

{
    "session": "c96fe83d-366c-420c-9038-da0fae844f0c",
    "test": true
}

Response

Before sending the response, PayCross removes:

Expired cards (CardStatus=5);
Those cards that can not be used for a transaction.

In case of successfully processed request the response contains the following parameters:

Parameter	Type	Description
card_list	array	A card list with card parameters.
card_holder * required	string	A cardholder name. Use only Latin letters, digits, gaps, and a dash.
token * required	string	A Masterpass card token.
date * required	string	A date on which the card was added. .
expiry_date * required	string	An expiration date. .
pan_mask * required	string	The first 6 and last 4 digits of the card.
card_status * required	integer	A card status. Possible values: `0` - Inactive. The card is not active. `1` - Active. The card is active. `2` - CVC2Always. For this CardStatus, you need to check CVC2. Active Suspended card `5` - Expired. The card was expired.
is_recurring * required	boolean	If the payment is recurring, set to `true`. Otherwise, `false`.
card_name * required	string	A card name. Use only Russian/Latin letters, gaps, a dash, *_-+, currency symbols.
comment1	string	Comment field 1.
comment2	string	Comment field 2.
comment3	string	Comment field 3.

Example of the response if the user has cards in Masterpass

{
  "card_list": [
    {
      "card_holder": "Masterpass",
      "token": "8358d402-1111-1111-1111-9dc9811debe",
      "expiry_date": "02/21",
      "pan_mask": "511111xxxxxx8278",
      "card_status": 2,
      "is_recurring": false,
      "card_name": "My card"
    }
  ]
}

Example of the response if the user does not have cards in Masterpass

{
  "card_list": []
}

In case of an error the response contains the following parameters:

Parameter	Type	Description
status * required	string	A response status.
error_code * required	integer	An error code.
error * required	string	An error message.

Error codes

If errors occur, use the following error_code description to detect the reason.

Error code	Description	Comment
0	None	Successful completion.
2	Api not allowed	Method call is prohibited after exceeding the allowed number of requests.
8	No user was found by the passed session	А non-existing session was transferred or the session has expired. Session should be re-opened.
35	Wrong params	The request was sent with an incorrect or incomplete set of parameters.

Example of the response while an error occurred

{
  "status": "failed",
  "error": "Masterpass error response",
  "error_code": 8
}

Get a card from Masterpass

Before you start

Before you get a new card from Masterpass, get a list of cards.

The method is used for every transaction to get up-to-date information about the card.

For recurring payments by token, the method is called automatically by PayCross.

Request

Send a POST request to https://gateway.pay-cross.com/masterpass/get_card with the following parameters:

Parameter	Type	Description
token * required	string	A Masterpass token (from a request of getting the list of cards)
amount * required	integer	A transaction amount in minimal currency units, for example $32.45 must be sent as 3245
session * conditionally required	string	A user session ID. Required for non-recurrent card payments.
currency * required	string	A currency in ISO-4217 format, for example USD.
test	boolean	If the operation is a test one, set to `true`. Otherwise, `false`.

Example of the request

{
  "session": "a6fd8624-8060-46b3-b343-7a93126fd57f",
  "token": "2887f05c-ff7e-4e67-90e6-7d5e75abc036",
  "amount": 10000,
  "currency ": "USD",
  "test": true
}

Response

In case of an error the response contains the following parameters:

Parameter	Type	Description
credit_card	object	Card data
stamp * required	string	Card hash.
brand * required	string	Card brand name.
last_4 * required	integer	Last 4 digits of the card number.
first_1 * required	integer	First digit of the card number.
bin * required	integer	BIN card number.
issuer_country * required	string	Card issuer country.
issuer_name * required	string	Card issuer name.
product * required	string	Card brand name.
exp_month * required	integer	Expiration Month. 2 digits.
exp_year * required	integer	Expiration Year. Last 2 digits.
token_provider * required	string	The token provider. Possible values or `null`.
token * required	string	Card token in the PayCross system.
holder * required	string	CardHolder name: letters should be only latin, digits, gaps, dash.
recommendation * required	integer	Checks recommended by Masterpass (not obligatory). Possible values: `0` - None; `1` - CVC2 check; `2` - 3DS check; `3` - 3DS and CVC2 or CVC2 check; `4` - 3DS and CVC2 check.
required * required	integer	Checks required by Masterpass (mandatory actions). Possible values: `0` - None; `1` - CVC2 check; `2` - 3DS check; `3` - 3DS and CVC2 or CVC2 check; `4` - 3DS and CVC2 check.

Example of the successful response

{
  "credit_card": {
    "holder": "JOHN DOE",
    "stamp": "80b274398e413d7bddd4d7df8c9b8aa1f9b0a9233bfb7b9cb6de16d06ea31144",
    "brand": "visa",
    "last_4": "0019",
    "first_1": "4",
    "bin": "400555",
    "issuer_country": null,
    "issuer_name": null,
    "product": null,
    "exp_month": 10,
    "exp_year": 2026,
    "token_provider": null,
    "token": "4d9e681b-498f-4f68-a4cd-89018a381c70"
  },
  "recommendation": 0,
  "required": 0
}

In case of an error the response contains the following parameters:

Parameter	Type	Description
status * required	string	A response status.
error_code * required	integer	An error code.
error * required	string	An error message.

Error codes

If errors occur, use the following error_code description to detect the reason.

Error code	Description	Comment
0		Successful completion.
1	The service is not available for this card/user.	The current user is blacklisted. It is recommended to update the list of cards by calling the GetCards method or let the user save a new card
2	Card is not activated.	Card details in this status cannot be received via the GetCard method. It is recommended to update the list of cards by calling the GetCards method or let the user save a new card.
3	The card was not found by the token.	It is recommended to update the list of cards by calling the GetCards method or let the user save a new card.
5	Customer with this phone number not found.	-
12	This transaction is marked as fraud.	-
15	Merchant with such a name and password not found.	The required Merchant field was not transferred in the request, or the Merchant with the same name was not found.
16	Session for the card not found, and it is not recurrent.	A non-existing session was transferred, or the session has expired.
17	Amount <= 0	The value of the `Amount` parameter should be strictly greater than `0`
19	Wrong params.	The required parameter `Amount` is not transferred in the request, empty field or contains something other than numbers.
44	API_NOT_ALLOWED	Certificate not found or certificate expired or signing error.

Example of the error response

{
  "status":"failed",
  "error":"Masterpass error response",
  "error_code":16
}

Get a card from Masterpass using a PayCross token

Before you start

Before you get card data from Masterpass using a PayCross token, open a user session.

The method is used for every transaction initiated by a customer to get up-to-date information about the card tokenized by PayCross.

For recurring payments by token, the method is called automatically by PayCross.

Request

Send a POST request to https://gateway.pay-cross.com/masterpass/get_saved_card with the following parameters:

Parameter	Type	Description
session * conditionally required	string	User session ID. Required for non-recurrent card payments.
credit_card_token * required	string	PayCross token (from a response to a card tokenization request).
amount * required	integer	A transaction amount in minimal currency units, for example $32.45 must be sent as 3245.
currency * required	string	Currency in ISO-4217 format, for example USD.
test	boolean	If the operation is a test one, set to `true`. Otherwise, `false`.

Example of the request

{
  "session": "5cb1ed91-8755-4a9c-89a0-c69899b36f6f",
  "credit_card_token": "639c0b58-118e-44f6-ad8c-623592710ba",
  "amount": 100,
  "currency": "USD",
  "test": true
}

Response

Parameter	Type	Description
credit_card	object	Card data.
stamp * required	string	Card hash.
brand * required	string	Card brand name.
last_4 * required	integer	The last 4 digits of the card number.
first_1 * required	integer	The first digit of the card number.
bin * required	integer	A BIN card number.
issuer_country * required	string	A card issuer country.
issuer_name * required	string	A card issuer name.
product * required	string	A card brand name.
exp_month * required	integer	A card expiration month. 2 digits.
exp_year * required	integer	A card expiration year. Last 2 digits.
token_provider * required	string	A token provider.
token * required	string	A card token in the PayCross system.
holder * required	string	A cardholder name. Use only Latin letters, digits, gaps, a dash.
recommendation * required	integer	Checks recommended by Masterpass (not obligatory). Possible values: `0` - None `1` - CVC2 check `2` - 3DS check `3` - 3DS and CVC2 or CVC2 check `4` - 3DS and CVC2 check.
required * required	integer	Checks required by Masterpass (mandatory actions). Possible values: `0` - None; `1` - CVC2 check; `2` - 3DS check; `3` - 3DS and CVC2 or CVC2 check; `4` - 3DS and CVC2 check.

Example of the successful response

{
  "credit_card": {
    "holder": "John Doe",
    "stamp": "b3839d334ba40e89168d60cd9f9d1390aee3fe67dd4d5c41adbf3998043eaef8",
    "brand": "visa",
    "last_4": "0000",
    "first_1": "4",
    "bin": "420000",
    "issuer_country": null,
    "issuer_name": null,
    "product": null,
    "exp_month": 5,
    "exp_year": 2026,
    "token_provider": null,
    "token": "639c0b58-118e-44f6-ad8c-623592710ba5"
  },
  "recommendation": 0,
  "required": 0
}

Example of the error response

{
  "status": "failed",
  "error": "Params validation error",
  "message": "No credit card found"
}

Make a payment by a card linked to Masterpass

Before you start

To make a payment with a card linked to Masterpass, receive card data from Masterpass and make a payment with the received PayCross token.

If the payment is recurring, it is not necessary to open a user session.

A Masterpass section should be added to the current payment request and the session value should be specified.

Request

Send a payment request with the received PayCross token. Add the parameters below to the request.additional_data object of the payment request.

Parameter	Type	Description
additional_data	object	Section of additional payment details.
masterpass	object	A Masterpass section.
params * required	object	A section of Masterpass parameters.
session * required	string	A Masterpass user session ID.

Example of the request

{
  "request": {
    "amount": 100,
    "currency": "USD",
    "description": "www",
    "tracking_id": "masterpass_test_by_token",
    "billing_address": {
      "first_name": "John",
      "last_name": "Doe",
      "country": "US",
      "city": "Denver",
      "state": "CO",
      "zip": "96002",
      "address": "1st Street"
    },
    "credit_card": {
      "token": "03d65020-07c4-4987-b96a-72ec9727ac1f",
      "verification_value": 123
    },
    "additional_data": {
      "masterpass": {
        "params": {
          "session": "037ead94-b11c-4dff-ad73-9e8a414ceb80"
        }
      }
    },
    "customer": {
      "ip": "127.0.0.1",
      "email": "[email protected]",
      "birth_date": "1998-01-31"
    },
    "test": true
  }
}

Response

Example of the response

{
  "transaction": {
    "uid": "9707-af6046bd28",
    "status": "failed",
    "amount": 100,
    "currency": "USD",
    "description": "www",
    "type": "payment",
    "payment_method_type": "credit_card",
    "tracking_id": "masterpass_test_by_token",
    "message": "Payment was declined",
    "test": true,
    "created_at": "2021-02-12T12:19:15.314Z",
    "updated_at": "2021-02-12T12:19:20.541Z",
    "paid_at": "2021-02-12T12:19:20.520Z",
    "expired_at": null,
    "closed_at": null,
    "settled_at": null,
    "manually_corrected_at": null,
    "language": "en",
    "redirect_url": "https://gateway.pay-cross.com/process/9707-af6046bd28",
    "credit_card": {
      "holder": "JOHN DOE",
      "stamp": "80b274398e413d7bddd4d7df8c9b8aa1f9b0a9233bfb7b9cb6de16d06ea31144",
      "brand": "visa",
      "last_4": "0019",
      "first_1": "4",
      "bin": "400555",
      "issuer_country": null,
      "issuer_name": null,
      "product": null,
      "exp_month": 10,
      "exp_year": 2026,
      "token_provider": null,
      "token": "03d65020-07c4-4987-b96a-72ec9727ac1f"
    },
    "receipt_url": "https://admin.pay-cross.com/customer/transactions/9707-af6046bd28/86e2642265417ab4f4d9102f3092b29dd7ace5a0a925727f9920f0b165e40111",
    "id": "9707-af6046bd28",
    "additional_data": {
      "masterpass": {
        "params": {
          "session": "037ead94-b11c-4dff-ad73-9e8a414ceb80"
        },
        "result": {
          "status": "successful",
          "message": "Postback successfully finished."
        }
      }
    },       
    "payment": {
      "auth_code": "654321",
      "bank_code": "10",
      "rrn": "999",
      "ref_id": "777888",
      "message": "Payment was declined",
      "amount": 100,
      "currency": "USD",
      "billing_descriptor": "test descriptor",
      "gateway_id": 288,
      "status": "failed"
    },
    "avs_cvc_verification": {
      "avs_verification": {
        "result_code": null
      },
      "cvc_verification": {
        "result_code": null
      }
    },
    "customer": {
      "ip": "127.0.0.1",
      "email": "[email protected]",
      "device_id": null,
      "birth_date": "1998-01-31"
    },
    "billing_address": {
      "first_name": "John",
      "last_name": "Doe",
      "address": "1st Street",
      "country": "US",
      "city": "Denver",
      "zip": "96002",
      "state": "CO",
      "phone": null
    }
  }
}

Error codes

If errors occur, use the following error_code description to detect the reason.

Error code	Description	Comment
0		Successful completion
1	The service is not available for this card/user	The current card is blacklisted. It is recommended to update the list of cards by calling the GetCards method or let the user save a new card.
2	Card is not activated	Card details in this status cannot be received via GetCard method. It is recommended to update the list of cards by calling the GetCards method or let the user save a new card.
3	The card was not found by the token	It is recommended to update the list of cards by calling the GetCards method or let the user save a new card.
5	Customer with this phone number not found	-
12	This transaction is marked as fraud	-
15	Merchant with such a name and password not found	The required Merchant field was not transferred in the request, or the Merchant with the same name was not found
16	Session for the card not found and it is not recurrent	A non-existing session was transferred or the session has expired
17	Amount <= 0	The value of the `Amount` parameter should be strictly greater than `0`
19	Wrong params	The required parameter `Amount` is not transferred in the request, empty field or contains something other than numbers.
44	API_NOT_ALLOWED	Certificate not found or certificate expired or signing error.

Remove a card from Masterpass

Before you start

Before you remove a card from Masterpass, get a list of cards from Masterpass.

Request

Send a POST request to https://gateway.pay-cross.com/masterpass/delete_card with the following parameters:

Parameter	Type	Description
token * required	string	A Masterpass card token.
session * required	string	A Masterpass user session ID.
test	boolean	If the operation is considered as a test one, set to `true`. Otherwise, `false`.

Example of the request

  {
      "session": "d1d88fb8-1bf1-4c82-9c8b-00c9d887d821",
      "token": "07be2846-aa35-480c-b1f8-a01d8674fadb",
      "test": true
  }

Response

Parameter	Type	Description
status * required	string	Result of card removal in Masterpass. Possible values: `successful`,`failed`.
error_code	integer	Error code.
error	string	Error message.

Error codes

If errors occur, use the following error_code description to detect the reason.

Error code	Description	Comment
0		Successful completion
1	Access denied	Merchant does not have the right to call this method
5	Card not found	Card with a token was not found. For example, it has been removed from the Masterpass. It is recommended to update the list of cards by calling GetCards methods or let the user save a new card.
8	No user was found by the passed session	А non-existing session was transferred or the session has expired. Session should be re-opened.
20	Internal error	Internal system error, additional check with Masterpass command required
30	Invalid Token card for this request	Mandatory parameter `Token` is not transferred, empty field or gaps is transferred
35	Wrong params	The request was sent with an incorrect or incomplete set of parameters.

Example of the successful response

{
  "status": "successful"
}

Example of the error response

{
  "status": "failed",
  "error": "Masterpass error response",
  "error_code": 8
}