Transaction Types

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry').

Invoked if card verification requires signature.

Invoked when the terminal finishes processing the transaction.

Returns

Parameter Notes

OperationStartResult Object containing information about the financial operation started. Most specifically the transactionReference which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The transactionReference will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started. Most specifically the `transactionReference` which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The `transactionReference` will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Sale And Tokenize Card

A sale operation which also returns a card token. (not available for all acquirers, please check with Handpoint to know if tokenization is supported for your acquirer of choice)

Parameters

Parameter	Notes
`amount` Required BigInteger	Amount of funds to charge - in the minor unit of currency (f.ex. 1000 is 10.00 GBP)
`currency` Required Currency	Currency of the charge
`options` SaleAndTokenizeOptions	An object to store all the customization options for a sale (Tip Configuration, Money Remittance Options,...)

Code example

//Initiate a sale for 10.00 in Great British Pounds
SaleOptions options = new SaleAndTokenizeOptions();
api.sale(new BigInteger("1000"),Currency.GBP, options);


//Initiate a sale for 10.00 in Great British Pounds with a tipping configuration
//This feature is only available for PAX and Telpo devices

TipConfiguration tipConfiguration = new TipConfiguration();
tipConfiguration.setTipPercentages(Arrays.asList(5, 10, 15, 20));
tipConfiguration.setTipAmount(new BigInteger("1000"));
tipConfiguration.setBaseAmount(new BigInteger("1000"));
tipConfiguration.setEnterAmountEnabled(true);
tipConfiguration.setFooter("Thank you");
tipConfiguration.setSkipEnabled(true);
SaleOptions options = new SaleOptions();
options.setTipConfiguration(tipConfiguration);
options.toSaleAndTokenizeOptions();

api.sale(new BigInteger("1000"),Currency.GBP,options);

//Initiate a sale for 10.00 USD using Money Remitance options
MoneyRemittanceOptions moneyRemittanceOptions = new MoneyRemittanceOptions("John Doe", CountryCode.USA);
SaleAndTokenizeOptions saleAndTokenizeOptions= new SaleAndTokenizeOptions(moneyRemittanceOptions);

api.sale(new BigInteger("1000"), Currency.USD, saleAndTokenizeOptions);

Events invoked

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry').

Invoked if card verification requires signature.

Invoked when the terminal finishes processing the transaction.

Returns

Parameter Notes

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started. Most specifically the `transactionReference` which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The `transactionReference` will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Sale Reversal

saleReversal

A sale reversal, also called sale VOID allows the user to reverse a previous sale operation. This operation reverts (if possible) a specific sale identified with a transaction id. In its simplest form you only have to pass the amount, currency and originalTransactionID but it also accepts a map with extra parameters. Note that transactions can only be reversed within a 24 hours timeframe or until the daily batch of transactions has been sent for submission.

Parameters

Parameter	Notes
`amount` Required BigInteger	Amount of funds to charge - in the minor unit of currency (f.ex. 1000 is 10.00 GBP)
`currency` Required Currency	Currency of the charge
`originalTransactionID` Required String	Id of the original sale transaction
`options` SaleOptions	An object to store all the customization options for a sale.

Code example

//Initiate a reversal for 10.00 in Great British Pounds
api.saleReversal(new BigInteger("1000"),Currency.GBP,"00000000-0000-0000-0000-000000000000");

Events invoked

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry').

Invoked if card verification requires signature.

Invoked when the terminal finishes processing the transaction.

Returns

Parameter Notes

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started. Most specifically the `transactionReference` which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The `transactionReference` will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Refund

refund

A refund operation moves funds from the merchant account to the cardholder´s credit card. In it's simplest form you only have to pass the amount and currency but it also accepts a map with extra parameters. Note that a card is required to be swiped, dipped or tapped for this operation. For Interac (Canadian Debit Network), refunds can only be processed until Interac closes the batch of transactions at night.

Parameters

Parameter	Notes
`amount` Required BigInteger	Amount of funds to charge - in the minor unit of currency (f.ex. 1000 is 10.00 GBP)
`currency` Required Currency	Currency of the charge
`originalTransactionID` String	If present it links the refund with a previous sale. It effectively limits the maximum amount refunded to that of the original transaction.
`options` RefundOptions	An object to store all the customization options for a refund (Metadata, Money Remittance Options,...)

Code example

//Initiate a refund for 10.00 in Great British Pounds (Linked Refund)
api.refund(new BigInteger("1000"),Currency.GBP,"00000000-0000-0000-0000-000000000000");

//Initiate a refund for 10.00 USD using Money Remitance options (Linked Refund)
MoneyRemittanceOptions moneyRemittanceOptions = new MoneyRemittanceOptions("John Doe", CountryCode.USA);
RefundOptions refundOptions= new RefundOptions(true, moneyRemittanceOptions);

api.refund(new BigInteger("1000"), Currency.GBP, "00000000-0000-0000-0000-000000000000", refundOptions);

Events invoked

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry')

Invoked if card verification requires signature.

Invoked when the terminal finishes processing the transaction

Returns

Parameter Notes

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started. Most specifically the `transactionReference` which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The `transactionReference` will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Automatic Refund

automaticRefund

A refund operation moves funds from the merchant account to the cardholder's credit card. This operation allows you to refund a card automatically without requiring the cardholder to dip/tap/swipe his card. In its simplest form you only have to pass the Original Transaction ID (GUID) to this function. The amount to be refunded will be the same amount as the one of the original sale.

Parameters

Parameter	Notes
`originalTransactionID` Required String	Links the automatic refund with a previous sale. The amount refunded will be the same as the one of the original transaction.
`options` MoToOptions	An object to store optional parameters for a MoTo refund (MoTo Channel, Money Remittance Options,...)

Code example

//Initiate an automatic refund
api.automaticRefund("00000000-0000-0000-0000-000000000000");

//Initiate an automatic refund using MoTo Options
MoToOptions moToOptions = new MoToOptions();
moToOptions.setChannel(MoToChannel.TO);

api.automaticRefund("00000000-0000-0000-0000-000000000000", moToOptions);

Events invoked

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry')

Invoked when the terminal finishes processing the transaction

Returns

Parameter Notes

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started. Most specifically the `transactionReference` which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The `transactionReference` will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Automatic Partial Refund

automaticRefund

A refund operation moves funds from the merchant account to the cardholder's credit card. This operation allows you to PARTIALLY refund a card automatically without requiring the cardholder to dip/tap/swipe his card. In its simplest form you only have to pass the amount, currency and the Original Transaction ID (GUID). Note that the amount can not go above the amount of the original sale. If a refund is attempted for an amount higher than the one of the original sale, the transaction will be automatically declined.

Parameters

Parameter	Notes
`amount` Required BigInteger	Amount of funds to refund - in the minor unit of currency (f.ex. 1000 is 10.00 GBP)
`currency` Required Currency	Currency of the refund
`originalTransactionID` Required String	Links the refund with a previous sale. It effectively limits the maximum amount refunded to that of the original transaction.
`options` MoToOptions	An object to store optional parameters for a MoTo refund (MoTo Channel, Money Remittance Options,...)

Code example

//Initiate an automatic partial refund for 5.00 Great British Pounds
api.automaticRefund(new BigInteger("500"),Currency.GBP,"00000000-0000-0000-0000-000000000000");

//Initiate an automatic partial refund for 5.00 Great British Pounds using MoTo Options
MoToOptions moToOptions = new MoToOptions();
moToOptions.setChannel(MoToChannel.MO);

api.automaticRefund(new BigInteger("500"),Currency.GBP,"00000000-0000-0000-0000-000000000000", moToOptions);

Events invoked

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry')

Invoked when the terminal finishes processing the transaction

Returns

Parameter Notes

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started. Most specifically the `transactionReference` which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The `transactionReference` will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Refund reversal

refundReversal

A refund reversal, also called refund VOID allows the merchant to reverse a previous refund operation. This operation reverts (if possible) a specific refund identified with a transaction id. In it's simplest form you only have to pass the amount, currency and originalTransactionID but it also accepts a map with extra parameters. Note that transactions can only be reversed within a 24 hours timeframe or until the daily batch of transactions has been sent for submission.

Parameters

Parameter	Notes
`amount` Required BigInteger	Amount of funds to charge - in the minor unit of currency (f.ex. 1000 is 10.00 GBP)
`currency` Required Currency	Currency of the charge
`originalTransactionID` Required String	transaction id of the original refund
`options` SaleOptions	An object to store all the customization options for the transaction.

Code example

//Initiate a refund reversal for 10.00 in Great British Pounds
api.refundReversal(new BigInteger("1000"),Currency.GBP,"00000000-0000-0000-0000-000000000000");

Events invoked

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry').

Invoked if card verification requires signature.

Invoked when the terminal finishes processing the transaction.

Returns

Parameter Notes

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started. Most specifically the `transactionReference` which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The `transactionReference` will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

MoTo Sale

MoToSale

Mail Order /Telephone Order (MOTO) sale. MOTO is a type of card-not-present (CNP) transaction in which services are paid and delivered via telephone, mail, fax, or internet communication. MOTO has become synonymous with any financial transaction where the entity taking payment does not physically see the card used to make the purchase.

Parameters

Parameter	Notes
`amount` Required BigInteger	Amount of funds to charge - in the minor unit of currency (f.ex. 1000 is 10.00 GBP)
`currency` Required Currency	Currency of the charge
`options` MoToOptions	An object to store optional parameters for a MoTo sale (MoTo Channel, Money Remittance Options,...)

Code example

//Initiate a MoTo sale for 10.00 in Great British Pounds
MoToOptions options = new MoToOptions();
options.setCustomerReference("MoTo Sale Example");

api.motoSale(new BigInteger("1000"), Currency.EUR, options);

//Initiate a MoTo sale for 10.00 USD using Money Remitance options
MoneyRemittanceOptions moneyRemittanceOptions = new MoneyRemittanceOptions("Test Integration", CountryCode.USA);
MoToOptions moToOptions = new MoToOptions(moneyRemittanceOptions);

api.motoSale(new BigInteger("1000"), Currency.USD, moToOptions);

Events invoked

Invoked during a transaction, it fetches statuses coming from the sdk (ex : 'processing').

Invoked when the terminal finishes processing the transaction.

Returns

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started.

MoTo Refund

moToRefund

A MOTO refund operation moves funds from the merchant account to the cardholder´s credit card. In it's simplest form you only have to pass the amount and currency but it also accepts the original transaction id. MOTO Refund is a type of card-not-present (CNP) transaction in which services are refunded via telephone, mail, fax, or internet communication. MOTO has become synonymous with any financial transaction where the entity taking payment does not physically see the card used to make the purchase or refund.

Parameters

Parameter	Notes
`amount` Required BigInteger	Amount of funds to charge - in the minor unit of currency (f.ex. 1000 is 10.00 GBP)
`currency` Required Currency	Currency of the charge
`originalTransactionId` String	If present it links the refund with a previous sale. It effectively limits the maximum amount refunded to that of the original transaction.
`options` MoToOptions	An object to store optional parameters for a MoTo refund (MoTo Channel, Money Remittance Options,...)

Code example

MoToOptions options = new MoToOptions();
options.setCustomerReference("MoTo Refund Example");

api.motoRefund(new BigInteger("1000"), Currency.EUR, "00000000-0000-0000-0000-000000000000",options);


//Initiate a MoTo refund for 10.00 USD using Money Remitance options
MoneyRemittanceOptions moneyRemittanceOptions = new MoneyRemittanceOptions("John Doe", CountryCode.USA);
MoToOptions moToOptions = new MoToOptions(moneyRemittanceOptions);

api.motoRefund(new BigInteger("1000"), Currency.USD,"00000000-0000-0000-0000-000000000000", moToOptions);

Events invoked

Invoked during a transaction, it fetches statuses coming from the sdk (ex : 'processing').

Invoked when the terminal finishes processing the transaction.

Returns

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started.

MoTo Reversal

moToReversal

A MOTO reversal, also called VOID allows the user to reverse a previous sale/refund operation. This operation reverts (if possible) a specific operation identified with a transaction id. Note that transactions can only be reversed within a 24 hours timeframe or until the daily batch of transactions has been sent for submission. MOTO Reversal is a type of card-not-present (CNP) transaction used to reverse a previous MOTO Sale or MOTO Refund.

Parameters

Parameter	Notes
`originalTransactionId` Required String	Id of the original sale transaction.
`options` MoToOptions	An object to store optional parameters for a MoTo reversal.

Code example

MoToOptions options = new MoToOptions();
options.setCustomerReference("MoTo Reversal Example");

api.motoReversal("00000000-0000-0000-0000-000000000000",options);

Events invoked

Invoked during a transaction, it fetches statuses coming from the sdk (ex : 'processing').

Invoked when the terminal finishes processing the transaction.

Returns

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started.

MoTo Pre-Auth

motoPreauthorization

A MOTO pre-auth initiates a pre-authorization operation to the card reader. It's used to verify that the account is valid and has sufficient funds to cover a pending transaction, without actually debiting the cardholder's account upfront.

Parameters

Parameter	Notes
`amount` Required BigInteger	Amount of funds to charge - in the minor unit of currency (f.ex. 1000 is 10.00 GBP)
`currency` Required Currency	Currency of the charge
`options` MoToOptions	An object to store optional parameters for a MoTo sale.

Code example

MoToOptions options = new MoToOptions();
options.setCustomerReference("MoTo Sale Example");

api.motoPreauthorization(new BigInteger("1000"), Currency.EUR, options);

Events invoked

Invoked during a transaction, it fetches statuses coming from the sdk (ex : 'processing').

Invoked when the terminal finishes processing the transaction.

Returns

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started.

Signature result

signatureResult

A signatureRequired event is invoked during a transaction when a signature verification is required (f.ex when a payment is done with a swiped or chip and sign card). The merchant is required to ask the cardholder for signature and approve (or decline) the signature. signatureResult tells the card reader if the signature was approved by passing the value true in the method. To decline a signature event then false should be passed to the card reader. Note that this event is only required for an HiLite or Hi5 integration and can be safely ignored for a PAX or Telpo integration.

Parameters

Parameter	Notes
`accepted` Required Boolean	pass true if merchant accepts cardholder signature

Code example

//Approves signature automatically in signatureRequired event
@Override
public void signatureRequired(SignatureRequest signatureRequest, Device device){
    api.signatureResult(true);
}

Events invoked

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry').

Invoked when the terminal finishes processing the transaction.

Returns

Parameter Notes

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started. Most specifically the `transactionReference` which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The `transactionReference` will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Tip Adjustment

TipAdjustment

A tip adjustment operation allows merchants to adjust the tip amount of a sale transaction before the batch of transactions is settled by the processor at the end of the day. Note: This functionality is only available for the restaurant industry in the United States and the processors currently supporting this functionality are TSYS and VANTIV.

Dependencies: The code example provided depends on RxJava, take a look a their documentation to see how to easily include this dependency in your android project. If you do not want to use RxJava or any additional dependencies then AsyncTask, provided by android, can be used instead for this asynchronous processing. Still we recommend using RxJava as it improves readability and maintainability.

Parameters

Parameter	Notes
`tipAmount` Required BigDecimal	Tip amount added to the original (base) transaction amount - in the minor unit of currency (f.ex. 1000 is 10.00 GBP)
`originalTransactionID` Required String	Unique id of the original sale transaction as received from the card reader (EFTTransactionID)

Code example

Observable.fromCallable(new Callable() {
    @Override
    public FinancialStatus call() throws Exception {
        return api.tipAdjustment(new BigDecimal(1000), "2bc23910-c3b3-11e6-9e62-07b2a5f091ec");
    }
})
.subscribeOn(Schedulers.io())
.observeOn(AndroidSchedulers.mainThread())
.subscribe(new Consumer() {
    @Override
    public void accept(@NonNull FinancialStatus status) throws Exception {
        if (status == FinancialStatus.AUTHORISED) {
            //SUCCESS
        } else if (status == FinancialStatus.DECLINED) {
            //DECLINED
        } else {
            //FAILED
    }
});

Returns

Result of the tip adjustment transaction, it returns a FinancialStatus, the possible values are :

Parameter	Notes
FinancialStatus	- FinancialStatus.AUTHORISED (tip adjustment approved by the processor) - FinancialStatus.FAILED (system error or timeout) - FinancialStatus.DECLINED (tip adjustment declined by the processor).

If two tip adjustments are sent for the same sale transaction, the second tip adjustment will override the first one. In case the transaction fails (not declined) we recommend that you prompt the user of the POS to retry the adjustment.

Tokenize Card

tokenizeCard

Returns a card token (not available for all acquirers, please check with Handpoint to know if tokenization is supported for your acquirer of choice)

Parameters

Parameter	Notes
`options` SaleOptions	An object to store all the customization options for the transaction.

Code example

//Tokenize a card
api.tokenizeCard();

Events invoked

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry').

Invoked when the terminal finishes processing the transaction.

Returns

Parameter Notes

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started. Most specifically the `transactionReference` which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The `transactionReference` will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Tokenize And Modify

tokenizedOperation

A tokenize and modify operation allows you to start a financial operation for an initial amount, tokenize the card being dipped/tapped/swiped and modify the amount before the transaction is sent for processing. This operation is very useful for loyalty scenarios, a unique token for the card is delivered to your application in the middle of the transaction so you can lookup in your own loyalty engine if the cardholder qualifies for a discount. If the cardholder does qualify for a discount then the amount of the transaction can be modified (decreased) before the transaction is sent for processing.

Parameters

Parameter	Notes
`currency` Required Currency	Currency of the charge
`operationDto` Required OperationDto	An object containing information about the financial operation being performed after the initial tokenization, if not specified it will default to "sale"
`options` Required SaleOptions / RefundOptions	An object to store all the customization options for a sale or a refund.

//Tokenize a card and modifies the amount of a sale operation. 
//Performs a tokenization of the card and sends the token back to you through the Events.CardTokenized event.
//Once you wish to continue the operation, execute the resume method of the object sent through the Events.CardTokenized event, along with the data for the financial operation you wish perform.
//The financial operation will be executed and the result will be received through the Events.Required EndOfTransaction event.

Metadata metadata = new Metadata("Data 1", "Data 2", "Data 3", "Data 4", "Data 5");

SaleOptions options = new SaleOptions();
options.setMetadata(metadata);

api.tokenizedOperation(Currency.GBP,options);

// To get the token and integrate the payment flow with your loyalty engine, implement the Events.CardTokenization interface.
class LoyaltyEngine : Events.CardTokenization {
    
    override fun cardTokenized(callback: ResumeCallback, cardTokenizationData: CardTokenizationData) {
        // Call the loyalty engine and apply discounts based on cardTokenizationData
        val finalAmount: BigInteger = ... // Calculate the final amount with discounts
        // Call resume to continue the sale operation
        val sale = OperationDto.Sale(finalAmount, Currency.EUR, getSaleOptions())
        // Resume the operation using the callback
        callback.resume(sale)
    }
}

/////////////////////////////////////////////////////////////////////////////////////////////////////////

//Tokenizes a card and executes a Refund, Sale Reversal or Refund Reversal.
//This operation executes the financial operation using the OperationDto parameter, in the example below a refund is processed.
//The result of both the tokenization and refund operations will be received through the Events.Required EndOfTransaction event.

Metadata metadataRefund = new Metadata("This", "is", "a", "Refund", ":D");

RefundOptions refundOptions = new RefundOptions();
refundOptions.setMetadata(metadataRefund);
OperationDto.Refund operation = new OperationDto.Refund(amount, currency, null, refundOptions);

api.tokenizedOperation(Currency.GBP,operation,options);

Events invoked

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry').

cardTokenization

Invoked when the terminal finishes processing the transaction.

Note: It will only be invoked in the case of a Sale operation. Refund and Reversal operations will be received straight throught the Events.Required EndOfTransaction event.

Invoked when the terminal finishes processing the transaction.

Returns

Parameter Notes

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started. Most specifically the `transactionReference` which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The `transactionReference` will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Card PAN

cardPan

A cardPan request will return the full PAN of the card being swiped, dipped or tapped. Only the PANs of whitelisted card ranges will be returned by the Handpoint systems. This operation is mostly used to be able to process funds or points from loyalty cards.

Parameters

Parameter	Notes
`options` SaleOptions	An object to store all the customization options for the transaction.

Code example

//Gets the PAN of a card
api.cardPan();

Events invoked

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry').

Invoked when the terminal finishes processing the transaction.

Returns

Parameter Notes

Parameter	Notes
OperationStartResult	Object containing information about the financial operation started. Most specifically the `transactionReference` which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The `transactionReference` will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Pre-Auth

preAuthorization

A pre-auth initiates a pre-authorization operation to the card reader. In it's simplest form you only have to pass the amount and currency but it also accepts tip configuration and a map with extra parameters. A pre-authorization charge, also known as a pre-auth or authorization hold, is a temporary hold placed on a customer's payment card. It's used to verify that the account is valid and has sufficient funds to cover a pending transaction, without actually debiting the cardholder's account upfront.

Parameters

Parameter	Notes
`amount` Required BigInteger	Amount of funds to pre-auth - in the minor unit of currency (f.ex. 1000 is 10.00 GBP)
`currency` Required Currency	Currency of the charge
`preauthOptions` MerchantAuthOptions	An object to store merchant authentication options for pre-auth operations.

Code example

//Initiate a pre-auth for 1.00 in Great British Pounds
api.preAuthorization(new BigInteger("100"),Currency.GBP);

//With Options
MerchantAuthOptions preauthOptions = new MerchantAuthOptions();
preauthOptions.setCustomerReference("CustomerReference");

api.preAuthorization(new BigInteger("100"),Currency.GBP, preauthOptions);

Events invoked

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry').

Invoked when the terminal finishes processing the transaction.

Returns

Parameter Notes

OperationStartResult Object containing information about the financial operation performed. Most specifically the transactionReference which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The transactionReference will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Parameter	Notes
OperationStartResult	Object containing information about the financial operation performed. Most specifically the `transactionReference` which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The `transactionReference` will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Pre-Auth Increase/Decrease

preAuthorizationIncrease

This operation allows the merchant to increase/decrease the amount of a previously performed pre-auth operation. For example, if a tab was opened at a restaurant and the consumer is adding new orders going above the initial pre-authorized amount, it is required to increase the amount of the initial pre-authorization before capturing it. If the merchant wants to release part of a pre-auth, an increase with negative amount should be passed to the function.

Parameters

Parameter	Notes
`amount` Required BigInteger	Amount of the pre-auth increase, in the minor unit of currency (f.ex. 1000 is 10.00 GBP)
`currency` Required Currency	Currency of the charge
`originalTransactionID` Required String	Transaction ID of the original pre-auth operation
`preauthOptions` Options	An object to store merchant authentication options for pre-auth operations.

Code example

//Initiate a pre-auth increase for 1.00 in Great British Pounds
Options preauthOptions = new Options();
preauthOptions.setCustomerReference("CustomerReference");

api.preAuthorizationIncrease(new BigInteger("100"),Currency.GBP,"00000000-0000-0000-0000-000000000000", preauthOptions);

//Initiate a pre-auth decrease for 1.00 in Great British Pounds
Options preauthOptions = new Options();
preauthOptions.setCustomerReference("CustomerReference");

api.preAuthorizationIncrease(new BigInteger("-100"),Currency.GBP,"00000000-0000-0000-0000-000000000000", preauthOptions);

Events invoked

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry').

Invoked when the terminal finishes processing the transaction.

Returns

Parameter Notes

Parameter	Notes
OperationStartResult	Object containing information about the financial operation performed. Most specifically the `transactionReference` which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The `transactionReference` will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Pre-Auth Capture

preAuthorizationCapture

A pre-authorized transaction can be captured to actually debit the cardholder's account. Depending on the merchant category code, the capture needs to happen between 7 and 31 days after the original pre-authorization. If not captured the funds will be automatically released by the issuing bank.

Please note that a pre-authorization can only be captured ONCE, multiple partial captures are not allowed. If for some reason, the pre-authorization was captured for an incorrect amount, you can attempt to reverse the capture (does not work with all acquirers). If the capture reversal was declined, the cardholder needs to come back into the store with his card to get refunded or re-authorize the transaction. Alternatively, the cardholder can give his card details over the phone to the merchant and a MOTO pre-auth or MOTO refund can be issued.

Card schemes set specific rules around which businesses are able to use pre-auth transactions. Eligibility is determined based on the Merchant Category Code (MCC), together with the card scheme.

Card schemes have their own set of rules on authorisation expiry. Capturing a transaction after the scheme expiry time increases the risk of a failed capture, and may also increase the interchange and/or scheme fees charged for the transaction. Card schemes can also expire an authorisation before or after the official scheme expiry period has been reached. You can often capture a payment successfully after an authorisation has expired. Depending on the card scheme, there can be a fee for late capture, and an increase in interchange fee. The risk of cardholder chargebacks increase as well.

Scheme	MCC
Mastercard	All MCCs except 5542
Visa	All MCCs except 5542
Discover	3351-3441, 3501-3999, 4111, 4112, 4121, 4131, 4411, 4457, 5499, 5812, 5813, 7011, 7033, 7996, 7394, 7512, 7513, 7519, 7999
American Express	All MCCs except 5542

VISA rules

MCC	Segment	Authorization timeframe	Amount tolerance (captured amount above pre-authorized amount)
3501-3999, 7011	Lodging	31 days	15%
3351-3500, 7512	Car Rental	31 days	15%
4411	Steamship and Cruise Lines	31 days	15%
7513	Truck Rentals	7 days	15%
7033	Trailer Parks and Campgrounds	7 days	15%
7519	Motor Home and Recreational Vehicle Rentals	7 days	15%
5552	Electric Vehicle Charging	7 days	15%
7523	Parking and Garages	7 days	15%
7394	Equipment, Tool, Furniture and Appliance Rental	7 days	none
7999	Recreation Services	7 days	none
7996	Amusement Parks, Carnivals, Circuses, Fortune Tellers	7 days	none
5599	Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers	7 days	none
4457	Boat Rentals and Leasing	7 days	none
5571	Motorcycle Shops and Dealers	7 days	none
4111	Local and Suburban Commuter, Passenger Transportation, including Ferries	7 days	25 USD (or equivalent amount in local currency)
4112	Passenger Railways	7 days	25 USD (or equivalent amount in local currency)
4131	Bus Lines	7 days	25 USD (or equivalent amount in local currency)
5812	Eating Places and Restaurants	Same day	20%
5813	Drinking Places, Bars, Taverns, Cocktail Lounges, Nightclubs, Discotheques	Same day	20%
4121	Taxicabs and Limousines (Card-Absent Environment only)	Same day	20%

MASTERCARD rules

MCC	Authorization timeframe	Amount tolerance (captured amount above pre-authorized amount)
All MCCs	30 days	20%

Maestro rules

MCC	Segment	Authorization timeframe	Amount tolerance (captured amount above pre-authorized amount)
5812	Eating Places and Restaurants	7 days	20%
5814	Fast Food Restaurants	7 days	20%

AMEX rules

MCC	Authorization timeframe
All MCCs	7 days

Note: Pre-Auth with AMEX is only available in the United States/Canada with the processor TSYS.

Discover rules

MCC	Authorization timeframe
Car Rental, Hotel/Lodging MCCs	30 days
All MCCs except Car Rental and Hotel/Lodging	10 days

Diners rules

MCC	Debit/credit	Authorization timeframe
Car Rental, Hotel/Lodging MCCs	All	30 days
All MCCs except Car Rental and Hotel/Lodging	Credit	30 days
All MCCs except Car Rental and Hotel/Lodging	Debit	7 days

JCB rules

MCC	Authorization timeframe
Hotel and Car rental	Time of stay/rental
All MCCs except Hotel and Car rental	1 year

Parameters

Parameter	Notes
`amount` Required BigInteger	Amount of funds to pre-auth - in the minor unit of currency (f.ex. 1000 is 10.00 GBP)
`currency` Required Currency	Currency of the charge
`originalTransactionID` Required String	Transaction id of the original pre-auth transaction
`preauthOptions` Options	An object to store merchant authentication options for pre-auth operations.

Code example

//Initiate a pre-auth capture for 1.00 in Great British Pounds
Options preauthOptions = new Options();
preauthOptions.setCustomerReference("CustomerReference");

api.preAuthorizationCapture(new BigInteger("1000"),Currency.GBP,"00000000-0000-0000-0000-000000000000", preauthOptions);

Events invoked

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry').

Invoked when the terminal finishes processing the transaction.

Returns

Parameter Notes

Parameter	Notes
OperationStartResult	Object containing information about the financial operation performed. Most specifically the `transactionReference` which must be saved on your end in case you do not get back the transaction result object at the end of the transaction. The `transactionReference` will allow you to query the Handpoint Gateway directly to know the outcome of the transaction in case it is not delivered as planned by the terminal at the end of the transaction.

Pre-Auth/Capture Reversal

preAuthorizationReversal

A Pre-Auth reversal allows the user to reverse a previous pre-auth operation. This operation reverts (if possible) a specific pre-auth identified with a transaction id. A pre-authorized reversal transaction will release the whole pre-authorized amount, for example when renting a car, the pre-auth reversal allows the merchant to release the funds if the car was not damaged. For partial releases, please check the Pre-Auth Increase/Decrease operation.

A Pre-Auth reversal can be used to reverse a capture operation as well. A capture reversal transaction will release all the funds withheld. Reversing a capture operation can only be done before the funds are automatically settled at night, please note that not all acquirers support reversal of captured transactions. If a capture reversal is attempted after the funds have been moved, the operation will receive a decline.

When the capture is reverted it returns to the previous state (CAPTURED -> AUTHORISED).

Parameters

Parameter	Notes
`originalTransactionID` Required String	Transaction id of the original pre-auth or capture GUID transaction.
`preauthOptions` Options	An object to store merchant authentication options for pre-auth operations.

Code example

//Initiate a pre-auth reversal
api.preAuthorizationReversal("00000000-0000-0000-0000-000000000000");

Options preauthOptions = new Options();
preauthOptions.setCustomerReference("CustomerReference");

//Initiate a pre-auth reversal with options
api.preAuthorizationReversal("00000000-0000-0000-0000-000000000000", preauthOptions);

Events invoked

Invoked during a transaction, it fetches statuses coming from the terminal (ex : 'waiting for card' or 'waiting for PIN entry').