Term XML Element Definition

Access Control Server URL


This is the issuer URL to where the merchant must direct the enrollment check request via the cardholders browser. It is returned only in case the cardholder is enrolled in 3D Secure program.

Account Holder


The person or entity that has been issued a credit, prepaid or debit card and is responsible for compliance with the rules of engagement as contracted with the card-issuing body. This information is provided in the card’s terms and conditions.

Account Number


The number designating a bank account used nationally.

Bank Code

The national bank sorting code for national bank transfers.



The URL to which the account holder will be re-directed after he has cancelled a payment. This is normally a page on the merchant website.


Takes funds from the cardholder account. Must follow an authorization.

Card Account Number


The embossed or encoded number that identifies the card issuer to which a transaction is to be routed and the account to which it is to be charged unless specific instructions indicate otherwise. In the case of a Credit Card, this is the Primary Account Number.

Cardholder Authentication Verification Value


The CAVV is a cryptographic value generated by the Issuer. For Visa transaction it is called CAVV (Cardholder Authentication Verification Value) for MasterCard it is either called Accountholder Authentication Value (AAV) or Universal Cardholder Authentication Field (UCAF).

Card Expiry Month


The 2-digit representation of the expiration month of the card account.

Card Expiry Year


The 4-digit representation of the expiration year of the card account.

Card Masked Account Number


A code used to represent the card masked account.

Card Security Code

A security feature for credit or debit card transactions, providing increased protection against credit card fraud. The Card Security Code is located on the back of MasterCard, Visa and Discover credit or debit cards and is typically a separate group of 3 Digits to the right of the signature strip. On American Express cards, the Card Security Code is a printed, not embossed, group of four digits on the front towards the right.

Card Token Id


A unique identifier assigned for every card token. This is a surrogate value for the Primary Account Number.

Card Type


A card scheme accepted by the processing system. This includes physically issued cards.


Gives funds to the cardholder account, referring to an eligible purchase or capture.


A generally accepted form of money, including coins and paper notes, which is issued by a government and circulated within an economy. Used as a medium of exchange for goods and services, currency is the basis for trade.
For more information see ISO 4217 (International standard for currency codes).



In a 3D Secure process, this indicates the status of the VERes.

Fail Redirect URL

The URL to which the account holder will be re-directed after an unsuccessful payment. This is normally a page on the merchant website notifying the account holder of a failed payment often with the option to try another payment method.


A person or firm contractually affiliated with the Payment Service Provider for accepting payments for services rendered.

Merchant Account

Other terminology for Merchant Processing Account.

Merchant Account ID (MAID)


A unique identifier assigned for every merchant account.

Merchant Data

A parameter in the 3D Secure process reserved for specific merchant data. The MD may be useful for retrieving transaction data from the database or recalling a transaction.


Merchant Plug-In

Parent Transaction

The transaction that precedes the current transaction in a transaction group. For example, a capture transaction must have an authorization transaction as its parent.



In a 3D Secure transaction, this is a base64-encoded request message created for cards participating in the 3D program. The PaReq is returned by the issuer’s ACS via the card schemes’ directory servers to the Wirecard Payment Gateway and from here passed on to the merchant.



In a 3D Secure transaction, this is the digitally signed, base64-encoded authentication response message received from the issuer.

Payment Service Provider

A company that offers merchant online services for accepting electronic payments by a variety of payment methods. The online services are provided by the operating company.

Processing Redirect URL


The URL to which the account holder will be re-directed after an unsuccessful payment. This is normally a page on the merchant website notifying the account holder of a failed payment.


A transaction type initiated by a consumer or merchant which combines both a Pre-Auth and a Completion The Purchase transaction verifies funds on the customer’s card, removes the funds and readies them for deposit into the merchant’s account. Purchase combines both and Auth and a Capture into one transaction (or both a Pre-auth and a Completion). Known as one-step transaction processing.


Gives funds to the cardholder account, without referring to an eligible purchase or capture.

Requested Amount


The only amount that accompanies the transaction when it is created and/or requested. In the case of a Sale or Refund, this is what the Merchant requests. In the case of a chargeback, this is the amount that is being contested.

Status Code


The status of a transaction. This is primarily used in conjunction with the transaction state to determine the exact details of the status of the transaction.

Success Redirect URL


The URL to which the account holder will be re-directed after a successful payment. This is normally a success confirmation page on the merchant website.

Status Description


Text used to describe the transaction status.

Status Severity


The severity of the transaction, can be information, warning, error.

Term URL


In a 3D Secure transaction, this is the URL to where the card holder is redirected to after being at the Issuer’s page.


An act between a merchant and an account holder that results in an electronic representation of the account holder promise to pay for goods or services received from the act. This includes all transaction types, including purchases, refunds, and chargebacks. Each transaction is issued a unique transaction identifier. If there are two steps required for funds to transfer, such as a pre-authorization followed by a capture, these are considered two transactions.

Transaction State


The current status of a transaction. Typically, a transaction will start from an "In-Progress" state, and then finish in either the "success" or "failed" state.

Transaction Type


The type of transaction that determines its behavior in transaction processing and merchant settlement. Examples are: authorization, capture, credit, purchase, refund, void-authorization, void-capture, void-credit and void-purchase.



In a 3-D Secure process, this is the unique transaction identifier.