Credit Response

The Credit response message is identical for Online and Batch transactions except Online includes the postDate element.

Although there are two different scenarios for Credit requests, there is only one scenario for the Credit response.

<creditResponse id="Credit Id" reportGroup="iQ Report Group" customerId="Customer Id">

  <cnpTxnId>Transaction Id</cnpTxnId>

  <response>Response Code</response>

  <responseTime>Date and Time in GMT</responseTime>

  <postDate>Date transaction posted</postDate> (Online Only)

  <message>Response Message</message>

  <location>Processing Location</location>

  <tokenResponse> (for Tokenized merchants submitting card data)

  <fraudResult

  <checkoutId>Unique Id Value</checkoutId>

</creditResponse>

Example: Credit Response

The example below illustrates a Batch Credit response. A response for an Online transaction uses a cnpOnlineResponse element as the parent.

<cnpResponse version="12.0" xmlns="http://www.vantivcnp.com/schema" id="123" cnpSessionId="987654321" response="0" message="Valid Format">

  <batchResponse id="01234567" cnpBatchId="4455667788" merchantId="100">

    <creditResponse id="AX54325432" reportGroup="RG12">

      <cnpTxnId>84568457</cnpTxnId>

      <response>000</response>

      <responseTime>2019-04-01T10:24:31</responseTime>

      <message>Approved</message>

    </creditResponse>

  </batchResponse>

</cnpResponse>

Example:  Credit Response for a Tokenized Merchant Sending Card Data

When a tokenized merchant submits card data in the Credit request, the response includes the tokenResponse element. The example below is a response for an Online request (<cnpOnlineResponse> element not shown), so it includes the <postDate> element.

<creditResponse id="99999" reportGroup="RG1" customerId="444">

  <cnpTxnId>21200000473208</cnpTxnId>

  <response>000</response>

  <responseTime>2019-04-19T19:29:45</responseTime>

  <postDate>2019-04-19</postDate>

  <message>Approved</message>

  <tokenResponse>

    <cnpToken>1111102200202001</cnpToken>

    <tokenResponseCode>801</tokenResponseCode>

    <tokenMessage>Account number was successfully registered</tokenMessage>

    <type>VI</type>

    <bin>402410</bin>

  </tokenResponse>

</creditResponse>