Parameters in Responses/Callbacks

You can enable additional parameters in the synchronous server responses and webhooks you receive.

You can enable the below in the synchronous responses and in the notifications to your notification URL as well. Please find below a list of the extra parameters you could include.

General parameters

ParameterValue
binBIN value
bin_countryBin Country
payment_methodPayment method which is used in the transaction
  • ccn_four
  • ccn_four_real
  • The last 4 digits of the CCN.
  • These 2 parameters are enabled together
  • ccn_four_real Parameter will be send only for Apple Pay and will be the real card value for Apple Pay transactions.
card_typeCard type e.g. : Mastercard
currencyCurrency e.g.: EUR
amountAmount value
expiry_yearExpiry year other card. e.g. expiry_year=2029
expiry_monthExpiry month of the card. e.g. expiry_month=07
cardholderCardholder bank name

3DS parameters

ParameterValue
3dstatusStatus of 3DS. e.g. Verified/Attempted/Non3d/Incomplete/Not verified
3dauthentication_statusWe sent "Y" for success, "N" for failed, "A" for attempted, "R" for Rejected from bank and "U" not authenticated due to unknown reason
3dauthentication_flowThe flow of the 3DS: e.g. frictionless_flow/challenge_flow
3dProtocolVersionProtocol version. e.g.: 2.2.0
3dtransactionStatusReasonMessageA message only when 3DS is failed
3dtransactionStatusReasonAn error code only when 3DS is failed
3dcardholderInformationAdditional information to Cardholder about the rejection
eci(Electronic Commerce Indicator) is a value that shows whether and how a card transaction was authenticated with 3D Secure e.g.: 05, 06, 07

Initial Scheme Transaction ID

The Initial Scheme Transaction ID refers to the unique network identifiers generated by card schemes (such as Visa and Mastercard) during the first, authenticated transaction of a Credential on File (CoF) transaction. When a customer initially saves their card, the network returns these specific parameters (e.g., Visa's Transaction Identifier or Mastercard's Trace ID).

ParameterValue
banknet_dateMastercard Settlement date
banknet_ref_numberMastercard Financial Product Code and Banknet Reference
visa_transaction_idVisa Transaction Identifier

Scheme Transaction Identifier

ParameterValue
transaction_identifierTransaction Identifier for Visa/Mastercard/AMEX.

A Transaction Identifier is a unique reference value generated by a payment network (scheme) to track and trace a specific transaction throughout its lifecycle, as well as to link economically related transactions.

Please see examples below:
  • Visa: 486229330734067
  • Mastercard: MpEYnPP6SRqTFk-tjiPQYV
  • AMEX: 016632178096954


Response example with enabled parameters

currency=EUR&transaction_identifier=MpEYnPP6SRqTFk-tjiPQYV&card_type=Mastercard&banknet_date=0817&banknet_ref_number=MAD8DHJIV&3dstatus=VERIFIED&3dauthentication_status=Y&&cardholder=Payabl+Test&
type=capture&amount=0.02&expiry_year=2029&bin_country=CYP&expiry_month=07&payment_method=1&
transactionid=299223801&bin=535456&orderid=Payabl-Test&first_time_customer=0×timestamp=1738224826&errorcode=0&
ccn_four=2917&errormessage=&3dProtocolVersion=2.2.0&3dauthentication_flow=frictionless_flow&eci=05&security=6ec4f44449d1dc0fa67e9016e85c474c93dcc8645428d226596d5a35270cba54

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Please contact your Client Relations Manager or our Technical support team to enable any of the above.


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