# PINless debit for Unified Payments API

To accept PINless debit payments, you must request a payment using card details, or tokenized card data.

Checkout.com automatically routes your transaction through a local debit network, if supported.

## Request a payment

Call the [Request a payment](https://api-reference.checkout.com/tag/Payments/#operation/requestAPaymentOrPayout) endpoint:

**Live**

`POST` `https://{prefix}.api.checkout.com/payments/`

**Sandbox**

`POST` `https://{prefix}.api.sandbox.checkout.com/payments/`

### Request example

**Full card details**

```json
{
  "source": {
    "type": "card",
    "number": "4873400000000024",
    "expiry_month": 12,
    "expiry_year": 2027
  },
  "amount": 1000,
  "capture": true,
  "currency": "USD",
  "payment_type": "Regular"
}
```

**Tokenized card details**

```json
{
  "source": {
    "type": "token",
    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54"
  },
  "amount": 1000,
  "capture": true,
  "currency": "USD",
  "payment_type": "Regular"
}
```

If you request an auto-capture payment, Checkout.com notifies you when the payment is captured using webhooks. When you receive a `payment_captured` webhook, it indicates that the transaction is successfully completed.

> You cannot void an auto-captured payment. To reverse a payment in progress, wait for the payment to be captured, and then process a refund.

---

## Capture a payment

If you set `capture` to `true` in your payment request, Checkout.com automatically authorizes and captures the payment.

If you set `capture` to `false` in your payment request, we only authorize the payment. You must capture it manually.

To perform a partial capture, call the [Capture a payment](https://api-reference.checkout.com/tag/Payments/#operation/captureAPayment) endpoint, and provide the `amount` and `items` objects.

**Live**

`POST` `https://{prefix}.api.checkout.com/payments/{id}/captures`

**Sandbox**

`POST` `https://{prefix}.api.sandbox.checkout.com/payments/{id}/captures`

For more information, see [Capture a payment](https://www.checkout.com/docs/payments/manage-payments/capture-a-payment.md).

---

## Process merchant-initiated transactions

You can process merchant-initiated transactions (MITs) to store your customer's card details and use them for future payments.

Supported MIT transactions include:

- Recurring payments <br>
Because these are debit card payments, you cannot process installment payments.
- Unscheduled payments

**Recurring payments**

You can process recurring payments using PINless debit. For example, to charge a subscription service.

1. Perform an initial cardholder-initiated transaction (CIT) to store the debit card details. For requirements, see [Store card details during an initial recurring transaction](https://www.checkout.com/docs/payments/accept-payments/pay-with-stored-card-details/recurring-payments-with-stored-card-details.md#Store_the_card_details_during_the_initial_transaction). <br>
Ensure you provide `"payment_type": "Recurring"`.
2. Process subsequent payments using any previous payment ID. For requirements, see [Request a payment in a subsequent MIT](https://www.checkout.com/docs/payments/accept-payments/pay-with-stored-card-details/recurring-payments-with-stored-card-details.md#Request_a_payment_in_a_subsequent_MIT).

### Initial request example

```json
{
  "source": {
    "type": "token",
    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54"
  },
  "amount": 6500,
  "currency": "GBP",
  "payment_type": "Recurring",
  "merchant_initiated": false
}
```

### Subsequent request example

```json
{
  "source": {
    "type": "token",
    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54"
  },
  "amount": 6500,
  "currency": "GBP",
  "payment_type": "Recurring",
  "merchant_initiated": true,
  "previous_payment_id": "pay_paymentid"
}
```

**Unscheduled payments**

For example, a customer may provide their card details when checking in to a hotel, but is only charged after they check out, at which point they may have incurred additional charges.

1. Perform an initial unscheduled, zero-value transaction to store the debit card details. For requirements, see [Unscheduled payments with stored card details](https://www.checkout.com/docs/payments/accept-payments/pay-with-stored-card-details/unscheduled-payments-with-stored-card-details.md).
2. Process subsequent payments using any previous payment ID. For requirements, see [Request an unscheduled payment](https://www.checkout.com/docs/payments/accept-payments/pay-with-stored-card-details/unscheduled-payments-with-stored-card-details.md#Request_an_unscheduled_payment).

### Initial request example

```json
{
  "source": {
    "type": "token",
    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54"
  },
  "amount": 0,
  "currency": "GBP",
  "payment_type": "Unscheduled",
  "merchant_initiated": false
}
```

### Subsequent request example

```json
{
  "source": {
    "type": "token",
    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54"
  },
  "amount": 6500,
  "currency": "GBP",
  "payment_type": "Unscheduled",
  "merchant_initiated": true,
  "previous_payment_id": "pay_paymentid"
}
```

---

## Get payment details

After you've requested the payment, you can use the `id` returned in the payment response to retrieve details about the payment.

For more information, see [Get payment details](https://www.checkout.com/docs/payments/manage-payments/get-payment-details.md) and the [Get payment details](https://api-reference.checkout.com/tag/Payments/#operation/getPaymentsList) endpoint.

---

## Refund a payment

PINless debit supports both partial and full refunds.

You can process refunds using the [Dashboard](https://dashboard.checkout.com) or the [Refund API](https://www.checkout.com/docs/payments/manage-payments/refund-a-payment).

---

## Void a payment

To void an authorized payment that you have not captured yet, call the [Void a payment](https://api-reference.checkout.com/tag/Payments/#operation/voidAPayment) endpoint, and provide `payment_id` of the payment you want to void as the `{id}` path parameter:

**Live**

`POST` `https://{prefix}.api.checkout.com/payments/{id}/voids`

**Sandbox**

`POST` `https://{prefix}.api.sandbox.checkout.com/payments/{id}/voids`

If you receive a `202 Void accepted` response, your void request has been accepted for processing. To get the full void response, you must subscribe to the `payment_voided` webhook.

If there was a problem with your request, you receive an error response such as `422 Invalid data was sent`.

For more information, see [Void a payment](https://www.checkout.com/docs/payments/manage-payments/void-a-payment).

### Response examples

If you receive a `202 Void accepted` response, your void request has been accepted for processing. To get the full void response, you must subscribe to the `payment_voided` webhook.

If there was a problem with your request, you'll receive an error response such as `422 Invalid data was sent`.

---

## Test PINless debit payments

To test PINless debit payments:

1. Create a test payment request.
2. Set `source.number` to any of the cards in the following table, depending on the outcome you want to simulate:

| Status | Response code | PINless debit network | Card number |
| --- | --- | --- | --- |
| `10000` | `Approved` | Accel | `4873400000000024` |
| `10000` | `Approved` | NYCE | `4817504310000183` |
| `10000` | `Approved` | Pulse | `5838170077000196` |
| `10000` | `Approved` | Star | `4524640077700195` |
| `20005` | `Do not honor` | Accel | `4141900000000011` |
| `20005` | `Do not honor` | NYCE | `5194290000000044` |
| `20005` | `Do not honor` | Pulse | `4149810000055158` |
| `20005` | `Do not honor` | Star | `5430320099900194` |

To test cards that have an associated debit network but the transaction is rerouted and approved to signature, use the following cards:

- `4902526690560177`
- `5482730044440004`