Device payments refer to transactions authenticated using a device (e.g., smartphone, tablet). Typically, device payments are secure purchases made using a credit/debit card associated with the device.
A credit/debit card added to the payer's device is tokenized and assigned a device-specific identifier called a DPAN (Device PAN). The DPAN is converted into the corresponding FPAN (Funding PAN) by the payment processor.
FPAN is the Primary Account Number (PAN) of the payer's card. This is the actual card number that is registered against the DPAN and is used to process the transaction. An FPAN may be associated with multiple DPANs.
The MasterCard Payment Gateway supports device payments using:
The payment flow for a device payment is as shown below.
Alternatively, you could decrypt the payment token on your server. In this case, you will need to take responsibility for storing the encryption credentials, executing the decryption, and sending the decrypted payment details in a transaction request to the gateway.
On the Authorize/Pay transactions for subsequent merchant-initiated payments, you must provide the cryptogram format and it must be the same as the initial payment.
If a cryptogram is available, always provide it in the transaction request for subsequent payments. The gateway will pass the data as required to the acquirer. If the acquirer requires a cryptogram and if it's not present, then the transaction will fail.
Contact your payment service provider if you need to split shipments and provide multiple Authorize/Pay transactions across an order.
If the DPAN to FPAN mapping is successful, the RETRIEVE_TRANSACTION response for a device payment will return:
sourceOfFunds.provided.card.number
field. sourceOfFunds.provided.card.expiry
field.sourceOfFunds.provided.card.deviceSpecificNumber
field.sourceOfFunds.provided.card.deviceSpecificExpiry
field.If you request for an unmasked PAN to be returned in the transaction response, the gateway will return an unmasked DPAN and FPAN (depending on the acquirer support).
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