This value reflects the results of the Visa Custom Payment Service (CPS) evaluation of the transaction by the Visa network upon processing an authorization.

What is Visa Custom Payment Service (CPS)?

The Visa® Custom Payment Service (CPS) program outlines transaction data criteria and processing standards that U.S. merchants must meet to qualify for a CPS program, while at the same time improves risk management techniques. CPS rules vary based on the type of transactions processed.

One of the chief criteria for CPS qualification is including address in the transaction. Have the cardholder’s address validated at the time of transaction, when required. Exceptions are bill payment transactions, Visa corporate card transactions, Visa purchasing card transactions.

How ACI Works

You can find ACI returned in the Create Transaction Response only when a Visa payment method was used.

Create Transaction Response

{
  "SC": 200,
  "EC": "0",
  "transactionID": "TabaPay_TransactionID_",
  "network": "Visa",
  "networkID": "123454646545645",
  "networkRC": "00",
  "status": "COMPLETED",
  "approvalCode": "000000",
  "additional": {
    "codeACI": "Y", <------Authorization Characistics Indicator (ACI)---
    "codeECI": "05",
    "par": "V0010056422073825495104907179"
  }
}

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Questions?

To find out if your MCC qualifies for CPS/Card Not Present interchange rates, contact TabaPay Support or email [email protected].

Feel free to contact TabaPay if you receive an N or a T.

A value of N means that the transaction does not qualify for CPS and therefore any of the CPS interchange values will not apply.

A value of T means that no CPS program is available for the transaction.

An X means that CPS was disqualified for the transaction

Remember, when performing 3DS on an authorization, liability shift is not applied when the transaction is not CPS qualified.