Contactless Payment Using Mobile Devices
Contactless payments are supported using cards, mobile phones, watches, and other form factors with contactless Europay, MasterCard, and Visa (EMV) capability.
For contactless mobile payments, when the cardholder taps, the terminal receives only the Device-specific Primary Account Number (DPAN) details, not the Funding Primary Account Number (FPAN) details.
Wherever the Authorization contains a DPAN, the transaction response contains:
- The DPAN as provided in the request in the
sourceOfFunds.provided.card.deviceSpecificNumberfield. - The DPAN expiry year and month as provided in the request in
the
sourceOfFunds.provided.card.deviceSpecificExpiry.yearandsourceOfFunds.provided.card.deviceSpecificExpiry.monthfields. - The FPAN as returned by the scheme in the
sourceOfFunds.provided.card.numberfield. - The FPAN expiry year and month as returned by scheme in the
sourceOfFunds.provided.card.expiry.yearandsourceOfFunds.provided.card.expiry.monthfields.
The DPAN and FPAN in the transaction response are masked. To retrieve the full FPAN details, your payment service provider must enable you with the required privileges. You must use the certificate authentication and submit responseControls.sensitiveData=UNMASK in the transaction request.