Retrieve the tokenized credit card information and pass it along with the /evaluate request. FlexFactor will then determine if this transaction can be rescued or not.

❗️
Prerequisites to invoke this API:

Authenticate and send the bearer token for this call.

Retrieve Payment Method token for this call.

Workflows

FlexFactor will process different types of transactions in the following way

Customer Initiated Transactions

These are straight sales happening on a checkout page.

You will need to update the definitive status. See Order Status.

Merchant Initiated Transactions (MIT)

MIT are rebills on subscriptions, or billing after free trial.

These transactions are being processed without the consumer facing the checkout page, so when failing, these transactions can be retried at a later point.

🔀
Who's managing the MIT:
Sync MIT: these MIT will not be managed by FlexFactor, you will receive a real-time response, however, FlexFactor will continue processing in the background. You must retry these using the same order Id over the course of your retry period. Retries will return the current state of the rescue within FlexFactor.
Managed MIT: these MIT will be managed by FlexFactor for the time you allocate. You will have to mark these transactions as 'pending' until FlexFactor responds with their definitive status.

Sync MIT by FlexFactor

If you don't want FlexFactor to manage the MIT (e.g., you want to use your retry mechanism or you cannot mark a transaction as 'pending'), we will configure your account accordingly.

This way, /evaluate will return a real-time status response that you can reconcile within your system. Note - when configuring this flow, you must notify FlexFactor of the length of your retry period so the expiration of the declines can be set without needing to send an expiryDateUTC value.

MIT managed by FlexFactor

If you want FlexFactor to manage your MIT, we will configure your account accordingly.

This flow requires that you interrupt your retry mechanism, and that you set an Expiry Date for the orders that will be pending over at FlexFactor.

You will need to reconcile the definitive status with a webhook. See Order Status.

Request parameters

Property Name	Type	Required?	Notes
`isDeclined`	bool	required	Required, send this as true for all requests to evaluate.
`transactionType`	enum	optional	AUTHORIZATION \| PURCHASE Authorization:* In a 2-step authorization / capture flow, please provide `authorization` in order to receive the `Capture Required` response status, and then call /capture Purchase:* In a straight sale flow, provide '`purchase`' By default, accounts are configured for `purchase`only, and this parameter can be omitted. If you request to be able to use `authorization` you must* provide a value.*
`mid`	string	optional	FlexFactor Merchant Identification Number. Get your merchants' Mid
`orderId`	string	required	Your internal order ID. This will reference your system of record with FlexFactor.
`siteId`	string	required	Unique FlexFactor ID of the website/campaign generating this transaction. Retrieve your merchant's `siteId`
`customerIp`	string	required* for CIT	Customer's IP as captured on the checkout page
`siteUrl`	string	optional	Url can be specified if multiple domains share the same `siteId`.
`orderSource`	enum	optional	Source of the order. if not sent the default enum is `ecommerce` `ecommerce, terminal, vterminal`
`idempotencyKey`	guid/uuid	required	You need to generate a unique GUID/UUID, so that we can identify repeated requests.
`sequenceNumber`	string	required for batch via SFTP	SFTP ONLY* Numerical position of that transaction within the batch. Starting from 1.
`isMIT`	bool	required	`true` for merchant-initiated transactions. When `true`, requires specific MIT fields .
`transaction`	object	required	See transaction fields below.
`payer`	object	required	See payer fields below.
`billingInformation`	object	required	See billingInformation fields below.
`paymentMethod`	object	required	See paymentMethod fields below.
`shippingInformation`	object	optional	See shippingInformation fields below.
`deviceDetails`	object	optional	See deviceDetails fields below.
`merchant`	object	required for partners	See merchant fields below
`orderItems`	object array	optional	See orderItems fields below.
`additionalFields`	object array	optional	See additionalFields fields below.

Try it right now: check out the /evaluate Reference. or the Postman Collection

Additional parameters for MIT

A request for Merchant Initiated Transaction (e.g.: subscriptions) requires the additional following fields:

Property Name	Type	Required?	Notes
`isMIT`	bool	required	`true` for merchant-initiated transactions. When `true`, requires specific MIT fields below.
`isRecurring`	bool	required for MIT	`true` for subscriptions.
`expiryDateUtc`	datetime	Depends on MIT configuration	Indicates period during which FlexFactor will retry the transaction. Required when your configuration is async MIT. Must be left empty when your configuration is sync MIT. Otherwise will return a validation error.
`siteUrl`	string	Optional for MIT	Website linked to the descriptor of the subscription.
`subscription`	object	required for MIT	See subscription fields below.
`threeDSecure`	object	required for MIT	See 3DSecure fields below.

❗️
Send only MIT that have just failed
The FlexFactor service is optimized to work with failed Merchant Initiated Transactions (MIT) that have just failed. These need to be passed to FlexFactor on that day (and not after a few days or weeks) and should not be retried by the Merchant up to the set expiry date.

Detailed object parameters:

transaction

Required object

Property Name	Type	Required?	Notes
`id`	string	required	External transaction identifier in the format of a GUID
`amount`	integer	required	Amount of the transaction in cents. Must be >$0.00 and <$200.00_E.g. $19.99 -> '1999'_
`currency`	string	required	ISO 4217 currency code. E.g.: 'USD', 'EUR'
`dynamicDescriptor`	string	conditional	Required only if enabled by FlexFactor for your configuration, pass the descriptor from the gateway that declined the transaction.
`timestampUtc`	datetime	optional	Date and time of the transaction.
timezoneUtcOffset`	integer	optional	UTC offset of the timezone.
`transactionType`	string	optional	E.g.: 'Auth', 'Capture', 'Void'
`responseCode`	string	optional	Response code received from the gateway.
`responseDescription`	string	optional	Description of the response, usually the response message.
`responseStatus`	string	optional	E.g.: Approved, Declined, Voided, Refunded, Chargeback, etc.
`responseSubStatus`	string	optional	Sub-status of the response.
`responseCodeSource`	string	optional	This is the source of the code from the original transaction E.g.: "nmi", "Paypal"
`processorName`	string	optional	Name of the processor.
`avsResultCode`	string	optional	Address Verification Service result code.
`cvvResultCode`	string	optional	Card Verification Value result code.
`cavvResultCode`	string	optional	Cardholder Authentication Verification Value result code.
`cardNotPresent`	bool	optional	Indicates if the card was present during the transaction.

paymentMethod

Property Name	Type	Required?	Notes
`cardNumber`	string	required	Send the token that was returned with /tokenize
`expirationYear`	integer	required
`expirationMonth`	integer	required
`verificationValue`	string	optional	CVV value
`holderName`	string	required	Card Holder Name
`token`	boolean	optional	If you send a FlexFactor token in `cardNumber`: provide `true`
`cardType`	string	required	CREDIT, DEBIT, PREPAID
`cardBrand`	string	required	E.g.: VISA, Mastercard, AMEX, etc.
`cardCountry`	string	required	ISO 3166-1 alpha-2 country code (2-letter)
`cardIssuer`	string	optional
`cardLevel`	string	optional
`cardFingerprint`	string	optional
`cardBinNumber`	string	required	6-character string.
`cardLast4Digits`	string	required	4-character string.

billingInformation

Optional object.

Property Name	Type	Required?	Notes
`firstName`	string	required
`lastName`	string	required
`phone`	string	optional
`country`	string	required
`countryCode`	string	required	ISO 3166-1 alpha-2 country code (2-letter)
`addressLine1`	string	required
`addressLine2`	string	optional
`state`	string	required for US cards	2-letter and 2-digit codes from the ANSI standard INCITS 38:2009 (supersedes FIPS 5-2)
`city`	string	required
`zipCode`	string	required	5 or 9 digits

Payer

Required object

Property Name	Type	Required?	Noted
`email`	string	required	Customer's email
`phone`	string	optional	Customer's phone
`id`	string	optional	Customer's id in your system
`birthdate`	datetime	optional	Customer's birthdate
`paymentMethods`	array	optional	Customer's additional payment methods information on file. See details below.

PaymentMethods

Optional array within the Payer object.

NOTE This is for integrations leveraging wallet-style decline recovery where a customer may have multiple stored payment methods. This allows the merchant to send all payment methods at once, allowing FlexFactor to optimize the recovery and manage which payment instrument can be rescued.

Contains an array of payment method information (ACH, credit cards). Each payment method follows a consistent structure with a type identifier, payment-specific data, and optional billing information.

Property Name	Type	Required?	Notes
`Type`	string	required	CARD \| ACH (case-insensitive)
`Value`	object	required	Payment method-specific properties ACH: bank transfer, see required values below CARD: credit card, see required values below SEPA: European bank transfer, see required values below
`BillingInformation`	object	optional	Optional billing details per payment method. See values below.

ACH

Value object when 'type':'ACH' in PaymentMethods

Property	Type	Required?	Notes
`AccountType`	string	required	Type of bank account. CHECKING \| SAVINGS (case-insensitive)
`AccountNumber`	string	required	Bank account number
`RoutingNumber`	string	required	Bank routing number
`AccountHolderType`	string	optional	Type of account holder. Allowed values: “company”, “individual” (case-insensitive)

Card

Value object when 'type':'card' in PaymentMethods

Same format as paymentMethod object.

billingInformation

Optional

Same object as billingInformation

affiliate

optional object

Property Name	Type	Required?	Notes
`id`	string	optional	This is an internal identifier for the affiliate. It's typically used for backend or database purposes to uniquely identify affiliates within a system.
`name`	string	optional	This is a friendly name or label associated with the affiliate.

deviceDetails

Optional object.

Property Name	Type	Required?	Notes
`deviceType`	string	required if this object is provided	Type of device used for that transaction (e.g., 'mobile', 'laptop', 'tablet')
`deviceName`	string	required if this object is provided	Name of the device (e.g., 'iPhone 12', 'Samsung Galaxy S21')
`deviceOS`	string	required if this object is provided	Operating system of the device (e.g., 'iOS 14', 'Android 11')
`browser`	string	required if this object is provided	Name of the browser (e.g., 'Chrome', 'Safari')
`userAgent`	string	required if this object is provided	User-agent string (a detailed string provided by the browser that identifies the browser, its version, and the operating system)

merchant

Required object for partners only.

Property Name	Type	Required?	Notes
`id`	string	required if this object is provided	External ID
`name`	string	optional	Name of the merchant
`mcc`	integer	required if this object is provided	MCC code that merchant is enrolled with standard processing MID(s).
`country`	string	required if this object is provided	The country in which the merchant operates

subscription

Required object when_isMITandisRecurring** are true._

Property Name	Type	Required?	Notes
`subscriptionId`	string	required if this object is provided	Note - this should be unique per subscriber within the merchant platform. This is combined with other subscription elements to make acceptance decisions.
`price`	int	required if this object is provided	Amount in cents
`currency`	string	required if this object is provided
`interval`	string	required if this object is provided	E.g.: 'daily', 'weekly', 'monthly', 'quarterly', 'yearly'.
`schemeTransactionId`	string	optional	Unique reference of the transaction returned by the authorization server of the issuer. Allows to chain an MIT (Merchant Initiated Transaction) to an initial CIT (Customer Initiated Transaction).Visa Example Transaction ID: _987654321234567_MC Example: Trace ID: MCCABC1XY0107
`schemeBrand`	string	optional	Card/scheme brand associated with the subscription. Will generally be similar to the `cardBrand` value in most cases, but might be different in some edge cases.E.g.: Visa
`paymentNumber`	string	optional	The sequential number indicates the specific payment within the subscription cycle. E.g., Customer subscribed monthly on Jan 15:Jan 15 is `paymentNumber : 1`Feb 15 is `paymentNumber : 2`Mar 15 is `paymentNumber : 3`
`totalPayments`	string	optional	Total number of payments for that subscription. E.g. 1, Customer subscribed monthly for 6 months: `totalPayments : 6\` Leave null if the subscription is indefinite.

threeDSecure

Required object when_isMITandisRecurring** are true._

Property Name	Type	Required?	Notes
`threeDsVersion`	string	optional	Protocol version for the card payment authentication. E.g.: '1.0.2' '2.1.0' '2.2.0'
`ecommerceIndicator`	string	required if this object is provided	The indication of an online commerce transaction.
`authenticationValue`	string	required if this object is provided	The encrypted code from the cardholder's bank.
`directoryServerTransactionId`	string	required if this object is provided	The unique ID for the transaction with the bank.
`xid`	string	optional	Transaction identifier generated by the 3D Secure system.
`authenticationValueAlgorithm`	string	optional	The encryption algorithm used to secure the payment. E.g.: SHA-256
`directoryResponseStatus`	string	optional	The response status code from the bank's directory. E.g.: 'Y'
`authenticationResponseStatus`	string	optional	The response status code for the payment authentication. E.g.: 'Y'
`enrolled`	string	optional	The card's enrollment status in 3D Secure. E.g.: 'Y'

orderItems

Optional object.

Property Name	Type	Required?	Notes
`sku`	string	optional	The SKU of the item.
`name`	string	optional	The name of the item.
`description`	string	optional	The description of the item.
`amount`	integer	optional	The amount of the item.
`discountAmount`	integer	optional	The discount amount on the item.
`tax`	integer	optional	The tax on the item.
`discountType`	string	optional	The discount type on the item.
`quantity`	string	optional	The quantity of this item.

shippingInformation

Optional object.

Property Name	Type	Required?	Notes
`firstName`	string	required if this object is provided
`lastName`	string	required if this object is provided
`phone`	string	optional
`country`	string	required if this object is provided
`countryCode`	string	required if this object is provided	ISO 3166-1 alpha-2 country code (2-letter)
`addressLine1`	string	required if this object is provided
`addressLine2`	string	optional
`state`	string	optional	2-letter and 2-digit codes from the ANSI standard INCITS 38:2009 (supersedes FIPS 5-2)
`city`	string	required if this object is provided
`zipCode`	string	required if this object is provided	5 or 9 digits

additionalFields

Optional array of objects. Max 50 objects

Property Name	Type	Required?	Notes
`key`	string	optional	Max 40 characters, Description of the additional information.
`value`	string	optional	Max 500 characters, Content of the additional information.

Response status

Property Name	Type	Notes
`result`	string	Result of the API request: `SUCCESS` \| `FAILED` ⚠️Is notthe result of the transaction, see `Status` below.
`status`	string	For sync calls: `APPROVED` ; `DECLINED` ; `CHALLENGE` ; `CAPTUREREQUIRED` For async: `SUBMITTED`
`orderSessionKey`	guid/uuid	FlexFactor unique transaction identifier
`senseKey`	string	Optional.

Order status

Order Status	Type of status	Description	Returned by
Challenge	⚠️ Conditional	The transaction rescue requires an action from the customer. This action can be performed via the UI Widget . If the UI Widget is not embedded, treat as a decline.	/evaluate webhook
Capture required	⚠️ Conditional	The transaction rescue requires a /capture .	/evaluate /orders webhooks
Submitted	⏳ Pending	The transaction was successfully received. Order status needs to be updated via GET /orders or webhooks .	/evaluate
Draft	⏳ Pending	MIT order was picked up by system, but is not yet being processed.	/orders
Processing	⏳ Pending	The order is being processed.	/orders
Expired	❌ Fail	The transaction can no longer be rescued by FlexFactor.	/orders
Completed	✅ Success	The transaction was rescued.	/orders webhook
Approved	✅ Success	The transaction was rescued.	/evaluate webhook
Declined	❌ Fail	The transaction could not be rescued	/evaluate webhook
Cancelled	❌ Fail	The transaction could not be rescued	/evaluate webhook

❕
Update the order status with GET /orders
Immediate response from /evaluate cannot cover all scenarios, please update the order status with

GET /orders/[id] or GET /orders

webhooks subscription

Payload examples

Request example

curl --request POST \
     --url https://api-sandbox.flexfactor.io/v1/evaluate \
     --header 'Authorization: Bearer {bearer_token_returned_by_oauth2}' \ //replace with bearer returned by oauth2
     --header 'accept: application/json' \
     --header 'content-type: application/*+json' \
     --data '
{

	"isMIT": true,
	"isRecurring": true,
	"expiryDateUtc": "2023-05-24T12:30:20Z",
	"subscription": {
    //Required fields
		"subscriptionId": "sub_123456",
    "interval": "Monthly",
		"price": 2599,
		"currency": "USD",
    //Optional metadata to improve cure rate
		"schemeTransactionId": "txn_789012",
		"schemeBrand": "Visa",
		"paymentNumber": 2,
		"totalPayments": 12
	}, 
  
   "transaction": {
    //Required fields
    "amount": 15000,	//In cents. must be >10 and <20000 for test calls
    "currency": "USD",
    "id": "3478613",
    "dynamicDescriptor": "MyShoesStore",
    //Optional metadata to improve cure rate
    "timestampUtc": "0001-01-01T00:00:00Z",
    "timezoneUtcOffset": 0,
    "responseCode": "203",
    "avsResultCode": "M",
    "processorName": "Acme Payments",
    "cavvResultCode": "2",
    "responseCodeSource": "NMI",
    "responseDescription": "Activity limit exceeded",
    "responseStatus": "DECLINED",
    "transactionType": "AUTHORIZATION",
  },
  
	"threeDSecure": {
		"threeDsVersion": "2.1.0",
		"ecommerceIndicator": "02",
		"authenticationValue": "abcdefg12345",
		"directoryServerTransactionId": "ds_987654",
		"xid": "xid_246810",
		"authenticationValueAlgorithm": "SHA-256",
		"directoryResponseStatus": "Y",
		"authenticationResponseStatus": "Y",
		"enrolled": "Y"
	},
 
  "payer": {
    "id": "customer123",
    "email": "[email protected]", //must be this exact address mail if using the 4111111111111111 test card
    "phone": "+1 555-123-4567",
    "birthdate": "1990-01-01",
    "additionalPaymentMethods": [
    {
      "Type": "card",
      "Value": {
        "holderName": "Jane Doe",
    		"cardType": "CREDIT",
    		"cardBrand": "VISA",
        "cardCountry": "United States",
        "cardIssuer": "Acme Bank",
        "cardFingerprint": "abcd1234",
        "expirationMonth": 2028,
        "expirationYear": 12,
        "cardBinNumber": "411111",
        "cardLast4Digits": "1111",
        "cardNumber": "zJb6YF7pL5gk8x9VhRnSwHd4q2t" //Do not send credit card number in clear if you are not PCI complipant, send token returned by /tokenize	
      },
      "BillingInformation": {
        "firstName": "Jane",
        "lastName": "Doenowitz",
        "phone": "+1 555-123-4567",
        "country": "United States",
        "countryCode": "US",
        "addressLine1": "123 Main St.",
        "state": "CA",
        "city": "San Francisco",
        "zipcode": "94111"
      }
    }
  ]

  },
  "orderItems": [
    {
      "sku": "SKU123",
      "name": "Subscription 1",
      "description": "Description of Subscription 1",
      "amount": 20000,
      "discountAmount": 0,
      "tax": 100,
      "quantity": 1
    },
    {
      "sku": "SKU456",
      "name": "Subscription 2",
      "description": "Description of Subscription 2",
      "amount": 10000,
      "discountAmount": 0,
      "tax": 50,
      "quantity": 1
    }
  ],
  "shippingInformation": {
    "firstName": "John",
    "lastName": "Doenowitz",
    "phone": "+1 555-123-4567",
    "country": "United States",
    "countryCode": "US",
    "addressLine1": "123 Main St.",
    "city": "CA",
    "zipcode": "94111"
  },
  "merchant": {
    "country": "US",
    "mcc": 1234,
    "id": "merchant123",
    "name": "Acme Inc."
  },
  "affiliate": {
    "id": "123123123",
    "name": "Affiliate 1"
  },
  "paymentMethod": {
    "holderName": "John Doe",
    "cardType": "CREDIT",
    "cardBrand": "VISA",
    "cardCountry": "United States",
    "cardIssuer": "Acme Bank",
    "cardFingerprint": "abcd1234",
    "expirationMonth": 2028,
    "expirationYear": 12,
    "cardBinNumber": "411111",
    "cardLast4Digits": "1111",
    "cardNumber": "zJb6YF7pL5gk8x9VhRnSwHd4q2t" //Do not send credit card number in clear, send token returned by /tokenize
  },
  "billingInformation": {
    "firstName": "John",
    "lastName": "Doenowitz",
    "phone": "+1 555-123-4567",
    "country": "United States",
    "countryCode": "US",
    "addressLine1": "123 Main St.",
    "state": "CA",
    "city": "San Francisco",
    "zipcode": "94111"
  },
  "mid": "123-456", //replace with your mid
  "isDeclined": true,
  "orderId": "987-654-321", //must be unique even for test calls
  "idempotencyKey": "abcd1234",
}
'

curl --request POST \
     --url https://api-sandbox.flexfactor.io/v1/evaluate \
     --header 'Authorization: abc123def456' \ //replace with bearer returned by oauth2
     --header 'accept: application/json' \
     --header 'content-type: application/*+json' \
     --data '
{

	"isMIT": true,
	"isRecurring": true,
	"expiryDateUtc": "2023-05-24T12:30:20Z",
	"subscription": {
		"subscriptionId": "sub_123456",
		"schemeTransactionId": "txn_789012",
		"schemeBrand": "Visa",
		"interval": "Monthly",
		"price": 2599,
		"currency": "USD",
		"paymentNumber": 2,
		"totalPayments": 12
	}, 
	"threeDSecure": {
		"threeDsVersion": "2.1.0",
		"ecommerceIndicator": "02",
		"authenticationValue": "abcdefg12345",
		"directoryServerTransactionId": "ds_987654",
		"xid": "xid_246810",
		"authenticationValueAlgorithm": "SHA-256",
		"directoryResponseStatus": "Y",
		"authenticationResponseStatus": "Y",
		"enrolled": "Y"
	},
  "transaction": {
    "id": "3478613",
    "timestampUtc": "0001-01-01T00:00:00Z",
    "timezoneUtcOffset": 0,
    "amount": 19975, //In cents. must be >10 and <20000 for test calls
    "currency": "USD",
    "responseCode": "203",
    "avsResultCode": "M",
    "cvvResultCode": "NA",
    "processorName": "Acme Payments",
    "cavvResultCode": "2",
    "responseCodeSource": "NMI",
    "responseDescription": "Activity limit exceeded",
    "responseStatus": "DECLINED",
    "transactionType": "CAPTURE",
    "dynamicDescriptor": "MyShoesStore"
  },
  "payer": {
    "id": "customer123",
    "email": "[email protected]", //must be this exact address mail if using the 4111111111111111 test card
    "phone": "+1 555-123-4567",
    "birthdate": "1990-01-01"
  },
  "orderItems": [
    {
      "sku": "SKU123",
      "name": "Subscription 1",
      "description": "Description of Subscription 1",
      "amount": 20000,
      "discountAmount": 0,
      "tax": 100,
      "quantity": 1
    },
    {
      "sku": "SKU456",
      "name": "Subscription 2",
      "description": "Description of Subscription 2",
      "amount": 10000,
      "discountAmount": 0,
      "tax": 50,
      "quantity": 1
    }
  ],
  "shippingInformation": {
    "firstName": "John",
    "lastName": "Doenowitz",
    "phone": "+1 555-123-4567",
    "country": "United States",
    "countryCode": "US",
    "addressLine1": "123 Main St.",
    "city": "CA",
    "zipcode": "94111"
  },
  "merchant": {
    "country": "US",
    "mcc": 1234,
    "id": "merchant123",
    "name": "Acme Inc."
  },
  "affiliate": {
    "id": "123123123",
    "name": "Affiliate 1"
  },
  "paymentMethod": {
    "holderName": "John Doe",
    "cardType": "CREDIT",
    "cardBrand": "VISA",
    "cardCountry": "United States",
    "cardIssuer": "Acme Bank",
    "cardFingerprint": "abcd1234",
    "expirationMonth": 2028,
    "expirationYear": 12,
    "cardBinNumber": "411111",
    "cardLast4Digits": "1111",
    "cardNumber": "zJb6YF7pL5gk8x9VhRnSwHd4q2t" //Do not send credit card number in clear, send token returned by /tokenize
  },
  "billingInformation": {
    "firstName": "John",
    "lastName": "Doenowitz",
    "phone": "+1 555-123-4567",
    "country": "United States",
    "countryCode": "US",
    "addressLine1": "123 Main St.",
    "state": "CA",
    "city": "San Francisco",
    "zipcode": "94111"
  },
  "mid": "123-456", //replace with your mid
  "isDeclined": true,
  "orderId": "987-654-321", //must be unique even for test calls
  "idempotencyKey": "abcd1234",
}
'

//file name: 'evaluate_{yourfilename}'
//any file without the prefix will not be picked up

{
  "mid": "123456789-987654321", //replace with your mid
  "authorizationToken": "Bearer abc123def456" //replace with bearer returned by oauth2
  "expiryDateUtc": "2023-04-05T01:23:45.678Z", //default expiry date and time for the whole batch, you can specify individual expiryDate within each transaction
  "requests": [
    {
    
    "sequenceNumber": 1, // The numerical position of the transaction within the batch.
    "IsDeclined": true
    "isMIT": true,
    "isRecurring": true,
    "SiteUrl": "https://example.com", //Website linked to the descriptor of the subscription.
    "subscription": {
      "subscriptionId": "sub_123456",
      "schemeTransactionId": "txn_789012",
      "schemeBrand": "Visa",
      "interval": "Monthly",
      "price": 2599,
      "currency": "USD",
      "paymentNumber": 2,
      "totalPayments": 12
    }, 
    "threeDSecure": {
      "threeDsVersion": "2.1.0",
      "ecommerceIndicator": "02",
      "authenticationValue": "abcdefg12345",
      "directoryServerTransactionId": "ds_987654",
      "xid": "xid_246810",
      "authenticationValueAlgorithm": "SHA-256",
      "directoryResponseStatus": "Y",
      "authenticationResponseStatus": "Y",
      "enrolled": "Y"
    },
    "transaction": {
      "id": "3478613",
      "timestampUtc": "0001-01-01T00:00:00Z",
      "timezoneUtcOffset": 0,
      "amount": 19975, //in cents, >$10 and <$200 for tests
      "currency": "USD",
      "responseCode": "203",
      "avsResultCode": "M",
      "cvvResultCode": "NA",
      "processorName": "Acme Payments",
      "cavvResultCode": "2",
      "responseCodeSource": "NMI",
      "responseDescription": "Activity limit exceeded",
      "responseStatus": "DECLINED",
      "transactionType": "CAPTURE",
      "dynamicDescriptor": "MyShoesStore"
    },
    "payer": {
      "id": "customer123",
      "email": "[email protected]",
      "phone": "+1 555-123-4567",
      "birthdate": "1990-01-01"
    },
    "orderItems": [
      {
        "sku": "SKU123",
        "name": "Subscription 1",
        "description": "Description of Subscription 1",
        "amount": 20000,
        "discountAmount": 0,
        "tax": 100,
        "quantity": 1
      },
      {
        "sku": "SKU456",
        "name": "Subscription 2",
        "description": "Description of Subscription 2",
        "amount": 10000,
        "discountAmount": 0,
        "tax": 50,
        "quantity": 1
      }
    ],
    "shippingInformation": {
      "firstName": "John",
      "lastName": "Doe",
      "phone": "+1 555-123-4567",
      "country": "United States",
      "countryCode": "US",
      "addressLine1": "123 Main St.",
      "city": "CA",
      "zipcode": "94111"
    },
    "merchant": {
      "country": "US",
      "mcc": 1234,
      "id": "merchant123",
      "name": "Acme Inc."
    },
    "paymentMethod": {
      "holderName": "John Doe",
      "cardType": "CREDIT",
      "cardBrand": "VISA",
      "cardCountry": "United States",
      "cardIssuer": "Acme Bank",
      "cardFingerprint": "abcd1234",
      "expirationMonth": 2028,
      "expirationYear": 12,
      "cardBinNumber": "123456",
      "cardLast4Digits": "7890",
      "cardNumber": "zJb6YF7pL5gk8x9VhRnSwHd4q2t" //Do not send credit card number in clear, send token returned by /tokenize
    },
    "billingInformation": {
      "firstName": "John",
      "lastName": "Doe",
      "phone": "+1 555-123-4567",
      "country": "United States",
      "countryCode": "US",
      "addressLine1": "123 Main St.",
      "state": "CA",
      "city": "San Francisco",
      "zipcode": "94111"
    },

    "orderId": "ed44736a-b5fa-4bc2-bfb9-0e873bc09511", //must be unique even for test calls
    "idempotencyKey": "abcd1234",
    "senseKey": "1234567890"
},
{ 
    "sequenceNumber": 2, // The numerical position of the transaction within the batch.
    "isMIT": true,
    "isRecurring": true,
    "isDecline": true,
    "SiteUrl": "https://example.com", //Website linked to the descriptor of the subscription
    "subscription": {
        "subscriptionId": "sub_654321",
        "schemeTransactionId": "txn_210987",
        "schemeBrand": "Mastercard",
        "interval": "Weekly",
        "price": 1599,
        "currency": "USD",
        "paymentNumber": 3,
        "totalPayments": 52
    },
      "threeDSecure": {
        "threeDsVersion": "2.2.0",
        "ecommerceIndicator": "01",
        "authenticationValue": "hijklm67890",
        "directoryServerTransactionId": "ds_456789",
        "xid": "xid_135790",
        "authenticationValueAlgorithm": "SHA-512",
        "directoryResponseStatus": "A",
        "authenticationResponseStatus": "C",
        "enrolled": "Y"
    },
      "transaction": {
        "id": "1234567",
        "timestampUtc": "0001-01-01T00:00:00Z",
        "timezoneUtcOffset": 0,
        "amount": 14999,
        "currency": "USD",
        "responseCode": "204",
        "avsResultCode": "N",
        "cvvResultCode": "M",
        "processorName": "XYZ Payments",
        "cavvResultCode": "1",
        "responseCodeSource": "Braintree",
        "responseDescription": "Insufficient funds",
        "responseStatus": "DECLINED",
        "transactionType": "AUTHORIZE"
    },
      "payer": {
        "id": "customer456",
        "email": "[email protected]",
        "phone": "+1 555-987-6543",
        "birthdate": "1985-05-05"
    },
      "orderItems": [
    {
        "sku": "SKU789",
        "name": "Product 3",
        "description": "Description of Product 3",
        "amount": 30000,
        "discountAmount": 0,
        "tax": 150,
        "quantity": 2
    },
    {
        "sku": "SKU012",
        "name": "Product 4",
        "description": "Description of Product 4",
        "amount": 25000,
        "discountAmount": 0,
        "tax": 125,
        "quantity": 1
    }
    ],
      "shippingInformation": {
        "firstName": "Jane",
        "lastName": "Doe",
        "phone": "+1 555-987-6543",
        "country": "United States",
        "countryCode": "US",
        "addressLine1": "456 Oak St.",
        "city": "NY",
        "zipcode": "10001"
    },
      "merchant": {
        "country": "US",
        "mcc": 5678,
        "id": "merchant456",
        "name": "XYZ Inc."
    },
    "affiliate": {
   		 "id": "123123123",
   		 "name": "Affiliate 1"
 		 },
      "paymentMethod": {
        "holderName": "Jane Doe",
        "cardType": "CREDIT",
        "cardBrand": "MASTERCARD",
        "cardCountry": "United States",
        "cardIssuer": "XYZ Bank",
        "cardFingerprint": "efgh5678",
        "expirationMonth": 2028,
        "expirationYear": 12,
        "cardBinNumber": "123456",
        "cardLast4Digits": "7890",
        "cardNumber": "zJb6YF7pL5gk8x9VhRnSwHd4q2t" //Do not send credit card number in clear, send token returned by /tokenize
    },

      "billingInformation": {
        "firstName": "Jane",
        "lastName": "Doe",
        "phone": "+1 555-987-6543",
        "country": "United States",
        "countryCode": "US",
        "addressLine1": "456 Oak St.",
        "city": "NY",
        "zipcode": "10001"
      },
      
      "orderId": "ed44736a-b5fa-4bc2-bfb9-0e873bc09512", /must be unique even for test calls
      "idempotencyKey": "abcd1234",
      "senseKey": "1234567890"
}
  ]
}

Response example

{
  "Result":"Success/Failed",
  "Status": "APPROVED | DECLINED | CHALLENGE | SUBMITTED | CAPTUREREQUIRED",
  "OrderSessionKey": "{{$guid}}", //FlexFactor unique transaction identifier
  "SenseKey": "value that was present in evaluate request", //optional
}

Response matrix and approval state

RESPONSE	SYNC - PURCHASE	ASYNC - PURCHASE	SYNC - AUTHORIZE	ASYNC - AUTHORIZE
APPROVED	SUCCESS	FAILED	FAILED	SYNC ONLY
SUBMITTED	FAILED	PENDING	FAILED	SYNC ONLY
CAPTUREREQUIRED	FAILED	FAILED	SUCCESS	SYNC ONLY
DECLINED	FAILED	FAILED	FAILED	SYNC ONLY
CHALLENGE	FAILED	FAILED	FAILED	SYNC ONLY