Adyen Cost API

openapi: 3.2.0
info:
  version: '54'
  x-publicVersion: true
  title: Adyen BinLookup Cost API
  description: The BIN Lookup API provides endpoints for retrieving information, such as cost estimates, and 3D Secure supported version based on a given BIN.
  termsOfService: https://www.adyen.com/legal/terms-and-conditions
  contact:
    name: Adyen Developer Experience team
    url: https://github.com/Adyen/adyen-openapi
servers:
- url: https://pal-test.adyen.com/pal/servlet/BinLookup/v54
tags:
- name: Cost
paths:
  /getCostEstimate:
    post:
      tags:
      - Cost
      summary: Adyen Get a Fees Cost Estimate
      description: '>This API is available only for merchants operating in Australia, the EU, and the UK.


        Use the Adyen Cost Estimation API to pre-calculate interchange and scheme fee costs. Knowing these costs prior actual payment authorisation gives you an opportunity to charge those costs to the cardholder, if necessary.


        To retrieve this information, make the call to the `/getCostEstimate` endpoint. The response to this call contains the amount of the interchange and scheme fees charged by the network for this transaction, and also which surcharging policy is possible (based on current regulations).


        > Since not all information is known in advance (for example, if the cardholder will successfully authenticate via 3D Secure or if you also plan to provide additional Level 2/3 data), the returned amounts are based on a set of assumption criteria you define in the `assumptions` parameter.'
      operationId: post-getCostEstimate
      x-sortIndex: 0
      x-methodName: getCostEstimate
      security:
      - BasicAuth: []
      - ApiKeyAuth: []
      requestBody:
        content:
          application/json:
            examples:
              getCostEstimate:
                $ref: '#/components/examples/post-getCostEstimate-getCostEstimate'
              getCostEstimateEncryptedCard:
                $ref: '#/components/examples/post-getCostEstimate-getCostEstimateEncryptedCard'
              getCostEstimateMinimal:
                $ref: '#/components/examples/post-getCostEstimate-getCostEstimateMinimal'
              getCostEstimateMinimal3DS:
                $ref: '#/components/examples/post-getCostEstimate-getCostEstimateMinimal3DS'
              getCostEstimateRecurringContract:
                $ref: '#/components/examples/post-getCostEstimate-getCostEstimateRecurringContract'
            schema:
              $ref: '#/components/schemas/CostEstimateRequest'
      responses:
        '200':
          content:
            application/json:
              examples:
                getCostEstimate:
                  $ref: '#/components/examples/post-getCostEstimate-getCostEstimate-200'
                getCostEstimateEncryptedCard:
                  $ref: '#/components/examples/post-getCostEstimate-getCostEstimateEncryptedCard-200'
                getCostEstimateMinimal:
                  $ref: '#/components/examples/post-getCostEstimate-getCostEstimateMinimal-200'
                getCostEstimateMinimal3DS:
                  $ref: '#/components/examples/post-getCostEstimate-getCostEstimateMinimal3DS-200'
              schema:
                $ref: '#/components/schemas/CostEstimateResponse'
          description: OK - the request has succeeded.
        '400':
          content:
            application/json:
              examples:
                generic:
                  $ref: '#/components/examples/generic-400'
              schema:
                $ref: '#/components/schemas/ServiceError'
          description: Bad Request - a problem reading or understanding the request.
        '401':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ServiceError'
              examples:
                post-getCostEstimate401Example:
                  summary: Default post-getCostEstimate 401 response
                  x-microcks-default: true
                  value:
                    additionalData: {}
                    errorCode: CODE123
                    errorType: standard
                    message: example_value
                    pspReference: REF-001
                    status: 500
          description: Unauthorized - authentication required.
        '403':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ServiceError'
              examples:
                post-getCostEstimate403Example:
                  summary: Default post-getCostEstimate 403 response
                  x-microcks-default: true
                  value:
                    additionalData: {}
                    errorCode: CODE123
                    errorType: standard
                    message: example_value
                    pspReference: REF-001
                    status: 500
          description: Forbidden - insufficient permissions to process the request.
        '422':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ServiceError'
              examples:
                post-getCostEstimate422Example:
                  summary: Default post-getCostEstimate 422 response
                  x-microcks-default: true
                  value:
                    additionalData: {}
                    errorCode: CODE123
                    errorType: standard
                    message: example_value
                    pspReference: REF-001
                    status: 500
          description: Unprocessable Entity - a request validation error.
        '500':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ServiceError'
              examples:
                post-getCostEstimate500Example:
                  summary: Default post-getCostEstimate 500 response
                  x-microcks-default: true
                  value:
                    additionalData: {}
                    errorCode: CODE123
                    errorType: standard
                    message: example_value
                    pspReference: REF-001
                    status: 500
          description: Internal Server Error - the server could not process the request.
      x-microcks-operation:
        delay: 0
        dispatcher: FALLBACK
components:
  examples:
    post-getCostEstimate-getCostEstimate-200:
      summary: Example response for request 'getCostEstimate'
      value:
        costEstimateAmount:
          currency: EUR
          value: 12
        resultCode: Success
        surchargeType: PASSTHROUGH
    post-getCostEstimate-getCostEstimateMinimal3DS:
      summary: Estimate the transaction cost (minimal with 3DSecure)
      description: Example request to get the estimated cost of a 3D Secure transaction with minimum details
      value:
        amount:
          value: 1234
          currency: EUR
        assumptions:
          assumeLevel3Data: true
          assume3DSecureAuthenticated: true
        cardNumber: '5101180000000007'
        merchantAccount: YOUR_MERCHANT_ACCOUNT
    post-getCostEstimate-getCostEstimateRecurringContract:
      summary: Estimate the transaction cost (recurring contract)
      description: Example request to get the estimated cost of a recurring transaction
      value:
        amount:
          value: 1234
          currency: EUR
        assumptions:
          assumeLevel3Data: true
          assume3DSecureAuthenticated: true
        merchantAccount: YOUR_MERCHANT_ACCOUNT
        merchantDetails:
          countryCode: NL
          mcc: '7411'
          enrolledIn3DSecure: true
        selectedRecurringDetailReference: '1234567890123456'
        shopperInteraction: Ecommerce
    post-getCostEstimate-getCostEstimate:
      summary: Estimate the transaction cost
      description: Example request to get the estimated cost of a transaction
      value:
        amount:
          value: 1234
          currency: EUR
        assumptions:
          assumeLevel3Data: true
          assume3DSecureAuthenticated: true
        cardNumber: '5101180000000007'
        merchantAccount: YOUR_MERCHANT_ACCOUNT
        merchantDetails:
          countryCode: NL
          mcc: '7411'
          enrolledIn3DSecure: true
        shopperInteraction: Ecommerce
    generic-400:
      summary: Response code 400. Bad Request.
      value:
        status: 400
        errorCode: '702'
        message: 'Unexpected input: I'
        errorType: validation
    post-getCostEstimate-getCostEstimateEncryptedCard:
      summary: Estimate the transaction cost using an encrypted card number
      description: Example request to get the estimated cost of a transaction
      value:
        amount:
          value: 1234
          currency: EUR
        assumptions:
          assumeLevel3Data: true
          assume3DSecureAuthenticated: true
        encryptedCardNumber: test_5101180000000007
        merchantAccount: YOUR_MERCHANT_ACCOUNT
        merchantDetails:
          countryCode: NL
          mcc: '7411'
          enrolledIn3DSecure: true
        shopperInteraction: Ecommerce
    post-getCostEstimate-getCostEstimateMinimal-200:
      summary: Example response for request 'getCostEstimateMinimal'
      value:
        costEstimateAmount:
          currency: EUR
          value: 12
        resultCode: Success
        surchargeType: PASSTHROUGH
    post-getCostEstimate-getCostEstimateMinimal:
      summary: Estimate the transaction cost (minimal)
      description: Example request to get the estimated cost of a transaction with minimum details
      value:
        amount:
          value: 1234
          currency: EUR
        cardNumber: '5101180000000007'
        merchantAccount: YOUR_MERCHANT_ACCOUNT
    post-getCostEstimate-getCostEstimateEncryptedCard-200:
      summary: Example response for request 'getCostEstimateEncryptedCard'
      value:
        costEstimateAmount:
          currency: EUR
          value: 12
        resultCode: Success
        surchargeType: PASSTHROUGH
    post-getCostEstimate-getCostEstimateMinimal3DS-200:
      summary: Example response for request 'getCostEstimateMinimal3DS'
      value:
        costEstimateAmount:
          currency: EUR
          value: 12
        resultCode: Success
        surchargeType: PASSTHROUGH
  schemas:
    CostEstimateAssumptions:
      properties:
        assume3DSecureAuthenticated:
          description: If true, the cardholder is expected to successfully authorise via 3D Secure.
          type: boolean
        assumeLevel3Data:
          description: If true, the transaction is expected to have valid Level 3 data.
          type: boolean
        installments:
          description: If not zero, the number of installments.
          format: int32
          type: integer
      type: object
    ServiceError:
      properties:
        additionalData:
          x-addedInVersion: '46'
          additionalProperties:
            type: string
          description: Contains additional information about the payment. Some data fields are included only if you select them first. Go to **Customer Area** > **Developers** > **Additional data**.
          type: object
        errorCode:
          description: The error code mapped to the error message.
          type: string
        errorType:
          description: The category of the error.
          type: string
        message:
          description: A short explanation of the issue.
          type: string
        pspReference:
          description: The PSP reference of the payment.
          type: string
        status:
          description: The HTTP response status.
          format: int32
          type: integer
      type: object
    CardBin:
      properties:
        bin:
          description: The first 6 digit of the card number. Enable this field via merchant account settings.
          type: string
        commercial:
          description: If true, it indicates a commercial card. Enable this field via merchant account settings.
          type: boolean
        fundingSource:
          description: 'The card funding source. Valid values are:

            * CHARGE

            * CREDIT

            * DEBIT

            * DEFERRED_DEBIT

            * PREPAID

            * PREPAID_RELOADABLE

            * PREPAID_NONRELOADABLE

            > Enable this field via merchant account settings.'
          type: string
        fundsAvailability:
          description: 'Indicates availability of funds.


            Visa:

            * "I" (fast funds are supported)

            * "N" (otherwise)


            Mastercard:

            * "I" (product type is Prepaid or Debit, or issuing country is in CEE/HGEM list)

            * "N" (otherwise)

            > Returned when you verify a card BIN or estimate costs, and only if `payoutEligible` is different from "N" or "U".'
          type: string
        issuerBin:
          x-addedInVersion: '54'
          description: The first 8 digit of the card number. Enable this field via merchant account settings.
          type: string
        issuingBank:
          description: The issuing bank of the card.
          type: string
        issuingCountry:
          description: The country where the card was issued from.
          type: string
        issuingCurrency:
          description: The currency of the card.
          type: string
        paymentMethod:
          description: The payment method associated with the card (e.g. visa, mc, or amex).
          type: string
        payoutEligible:
          description: 'Indicates whether a payout is eligible or not for this card.


            Visa:

            * "Y"

            * "N"


            Mastercard:

            * "Y" (domestic and cross-border)

            * "D" (only domestic)

            * "N" (no MoneySend)

            * "U" (unknown)

            > Returned when you verify a card BIN or estimate costs, and only if `payoutEligible` is different from "N" or "U".'
          type: string
        summary:
          description: The last four digits of the card number.
          type: string
      type: object
    Recurring:
      properties:
        contract:
          description: 'The type of recurring contract to be used.

            Possible values:

            * `ONECLICK`  Payment details can be used to initiate a one-click payment, where the shopper enters the [card security code (CVC/CVV)](https://docs.adyen.com/payments-fundamentals/payment-glossary#card-security-code-cvc-cvv-cid).

            * `RECURRING`  Payment details can be used without the card security code to initiate [card-not-present transactions](https://docs.adyen.com/payments-fundamentals/payment-glossary#card-not-present-cnp).

            * `ONECLICK,RECURRING`  Payment details can be used regardless of whether the shopper is on your site or not.

            * `PAYOUT`  Payment details can be used to [make a payout](https://docs.adyen.com/online-payments/online-payouts).'
          enum:
          - ONECLICK
          - RECURRING
          - PAYOUT
          type: string
        recurringDetailName:
          description: A descriptive name for this detail.
          type: string
        recurringExpiry:
          x-addedInVersion: '40'
          description: Date after which no further authorisations shall be performed. Only for 3D Secure 2.
          format: date-time
          type: string
        recurringFrequency:
          x-addedInVersion: '40'
          description: Minimum number of days between authorisations. Only for 3D Secure 2.
          type: string
        tokenService:
          x-addedInVersion: '25'
          description: The name of the token service.
          enum:
          - VISATOKENSERVICE
          - MCTOKENSERVICE
          - AMEXTOKENSERVICE
          - TOKEN_SHARING
          type: string
      type: object
    MerchantDetails:
      properties:
        countryCode:
          description: '2-letter ISO 3166 country code of the card acceptor location.

            > This parameter is required for the merchants who don''t use Adyen as the payment authorisation gateway.'
          maxLength: 2
          minLength: 2
          type: string
        enrolledIn3DSecure:
          description: If true, indicates that the merchant is enrolled in 3D Secure for the card network.
          type: boolean
        mcc:
          description: 'The merchant category code (MCC) is a four-digit number which relates to a particular market segment. This code reflects the predominant activity that is conducted by the merchant.


            The list of MCCs can be found [here](https://en.wikipedia.org/wiki/Merchant_category_code).'
          type: string
      type: object
    Amount:
      properties:
        currency:
          description: The three-character [ISO currency code](https://docs.adyen.com/development-resources/currency-codes).
          maxLength: 3
          minLength: 3
          type: string
        value:
          description: The amount of the transaction, in [minor units](https://docs.adyen.com/development-resources/currency-codes).
          format: int64
          type: integer
      required:
      - value
      - currency
      type: object
    CostEstimateResponse:
      properties:
        cardBin:
          description: Card BIN details.
          $ref: '#/components/schemas/CardBin'
        costEstimateAmount:
          description: The estimated cost (scheme fee + interchange) in the settlement currency. If the settlement currency cannot be determined, the fee in EUR is returned.
          $ref: '#/components/schemas/Amount'
        costEstimateReference:
          x-addedInVersion: '52'
          description: Adyen's 16-character reference associated with the request.
          type: string
        resultCode:
          description: The result of the cost estimation.
          type: string
        surchargeType:
          description: 'Indicates the way the charges can be passed on to the cardholder. The following values are possible:

            * `ZERO` - the charges are not allowed to pass on

            * `PASSTHROUGH` - the charges can be passed on

            * `UNLIMITED` - there is no limit on how much surcharge is passed on'
          type: string
      type: object
    CostEstimateRequest:
      properties:
        amount:
          description: The transaction amount used as a base for the cost estimation.
          $ref: '#/components/schemas/Amount'
        assumptions:
          description: Assumptions made for the expected characteristics of the transaction, for which the charges are being estimated.
          $ref: '#/components/schemas/CostEstimateAssumptions'
        cardNumber:
          description: 'The card number (4-19 characters) for PCI compliant use cases. Do not use any separators.


            > Either the `cardNumber` or `encryptedCardNumber` field must be provided in a payment request.'
          maxLength: 19
          minLength: 4
          type: string
        encryptedCardNumber:
          description: 'Encrypted data that stores card information for non PCI-compliant use cases. The encrypted data must be created with the Checkout Card Component or Secured Fields Component, and must contain the `encryptedCardNumber` field.


            > Either the `cardNumber` or `encryptedCardNumber` field must be provided in a payment request.'
          type: string
        merchantAccount:
          description: The merchant account identifier you want to process the (transaction) request with.
          type: string
        merchantDetails:
          description: Additional data for merchants who don't use Adyen as the payment authorisation gateway.
          $ref: '#/components/schemas/MerchantDetails'
        recurring:
          description: The recurring settings for the payment. Use this property when you want to enable [recurring payments](https://docs.adyen.com/online-payments/tokenization).
          $ref: '#/components/schemas/Recurring'
        selectedRecurringDetailReference:
          description: The `recurringDetailReference` you want to use for this cost estimate. The value `LATEST` can be used to select the most recently stored recurring detail.
          type: string
        shopperInteraction:
          description: 'Specifies the sales channel, through which the shopper gives their card details, and whether the shopper is a returning customer.

            For the web service API, Adyen assumes Ecommerce shopper interaction by default.


            This field has the following possible values:

            * `Ecommerce` - Online transactions where the cardholder is present (online). For better authorisation rates, we recommend sending the card security code (CSC) along with the request.

            * `ContAuth` - Card on file and/or subscription transactions, where the card holder is known to the merchant (returning customer). If the shopper is present (online), you can supply also the CSC to improve authorisation (one-click payment).

            * `Moto` - Mail-order and telephone-order transactions where the shopper is in contact with the merchant via email or telephone.

            * `POS` - Point-of-sale transactions where the shopper is physically present to make a payment using a secure payment terminal.'
          enum:
          - Ecommerce
          - ContAuth
          - Moto
          - POS
          type: string
        shopperReference:
          description: "Required for recurring payments. \nYour reference to uniquely identify this shopper, for example user ID or account ID. Minimum length: 3 characters.\n> Your reference must not include personally identifiable information (PII), for example name or email address."
          type: string
      required:
      - amount
      - merchantAccount
      type: object
  securitySchemes:
    ApiKeyAuth:
      in: header
      name: X-API-Key
      type: apiKey
    BasicAuth:
      scheme: basic
      type: http
x-provenance:
  method: harvested
  publisher: Adyen
  source: https://raw.githubusercontent.com/Adyen/adyen-openapi/main/json/BinLookupService-v40.json
  note: split by refine-openapis from the provider's own published document, verified by fetch (openapi/_original/*.fetch.json);
    stamped by stamp-openapi-provenance.py (roadmap#793)