getting error Token Validation Failed in Process Payment Rest API

[WGC]

I'm getting error while calling the API

https://sandbox.api.visa.com/cybersource/v2/payments?apikey={apikey}

Request Body:

{

"clientReferenceInformation": {
"code": "TC50171_3"
},
"processingInformation": {
"commerceIndicator": "internet"
},
"aggregatorInformation": {
"subMerchant": {
"cardAcceptorID": "1234567890",
"country": "US",
"phoneNumber": "650-432-0000",
"address1": "900 Metro Center",
"postalCode": "94404-2775",
"locality": "Foster City",
"name": "Visa Inc",
"administrativeArea": "CA",
"region": "PEN",
"email": "test@cybs.com"
},
"name": "V-Internatio",
"aggregatorID": "123456789"
},
"orderInformation": {
"billTo": {
"country": "US",
"lastName": "VDP",
"address2": "Address 2",
"address1": "201 S. Division St.",
"postalCode": "48104-2201",
"locality": "Ann Arbor",
"administrativeArea": "MI",
"firstName": "RTS",
"phoneNumber": "999999999",
"district": "MI",
"buildingNumber": "123",
"company": "Visa",
"email": "test@cybs.com"
},
"amountDetails": {
"totalAmount": "102.21",
"currency": "USD"
}
},
"paymentInformation": {
"card": {
"expirationYear": "2031",
"number": "5555555555554444",
"securityCode": "123",
"expirationMonth": "12",
"type": "002"
}
}

}

Response Body:

{
"responseStatus": {
"status": 401,
"code": "9159",
"severity": "ERROR",
"message": "Token Validation Failed",
"info": ""
}
}

Response Header:

cache-control →no-cache, no-store, must-revalidate

connection →close

content-length →112

content-type →application/json;charset=UTF-8

date →Thu, 23 Apr 2020 09:28:27 GMT

expires →-1

pragma →no-cache

server →nginx

strict-transport-security →max-age=2592000;includeSubdomains

x-app-status →401

x-content-type-options →nosniff

x-correlation-id →1587634107_178_975474449_l73c012_VDP_WS

x-frame-options →SAMEORIGIN

x-served-by →l73c012

x-vdp-authn-api-visa-id →CYBS.200

x-vdp-normalized-url →/cybersource/v2/payments/

x-xss-protection →1; mode=block

[DianaVisaPM]

Hey @WGC, 

After meeting with CyberSource, we have come to learn that Visa Developer Portal generated Merchant ID’s will experience an unresolvable gateway issue.
 
The EBC error message: The payment processor gateway name is either invalid or missing
 
Currently, the only method to properly query the CyberSource Payments sandbox is creating a merchant account directly with CyberSource:
 
https://developer.cybersource.com 

Luckily, their site also provides an easy to use method to test their account credentials:
 
https://developer.cybersource.com/api/reference/api-reference.html 
 
Additionally, here are the following links for sample code:  https://github.com/CyberSource/cybersource-rest-samples-java/blob/master/src/main/java/samples/payme... 

[WGC]

Is there any other method by VISA to process credit card of any service provider.

[DianaVisaPM]

Hey @WGC,

Another popular payment method is Visa Direct. Please view its overview documentation here - https://developer.visa.com/capabilities/visa_direct

Visa Direct Docs - https://developer.visa.com/capabilities/visa_direct/docs-getting-started

How to Use Visa Direct - https://developer.visa.com/capabilities/visa_direct/docs-how-to

Visa Direct API Reference - https://developer.visa.com/capabilities/visa_direct/reference

[WGC]

Thank you Diana,

Does the originator of transaction require to login to Visa to start the transaction?

[WGC]

We want our users to be able to pay their dues online using their credit or debit cards without having to create a Visa account.
Is there any other method other than cybersource, to do the same. The credit card can be of any service provider
e.g. Visa card, mastercard, american express, rupay.

[DianaVisaPM]

Hey @WGC,

My apologies for the delayed response. To answer your question, before you move forward you'll need to have a sponsor bank to use Visa Direct. Once you have a sponsor bank, you can fill out the Visa Direct Questionnaire and submit this form to the email address listed on that form. Someone from the Visa Direct team will reach out to you shortly.