Abstract

The Basic Card Payment specification describes the data formats used by the PaymentRequest API [PAYMENT-REQUEST-API] to support payment by payment cards such as credit or debit cards.

Status of This Document

This section describes the status of this document at the time of its publication. Other documents may supersede this document. A list of current W3C publications and the latest revision of this technical report can be found in the W3C technical reports index at https://www.w3.org/TR/.

The working group maintains a list of all bug reports that the group has not yet addressed. Pull requests with proposed specification text for outstanding issues are strongly encouraged.

This specification was derived from a report published previously by the Web Platform Incubator Community Group.

Note

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This document was published by the Web Payments Working Group as a Working Draft. Comments regarding this document are welcome. Please send them to public-payments-wg@w3.org (subscribe, archives).

Publication as a Working Draft does not imply endorsement by the W3C Membership. This is a draft document and may be updated, replaced or obsoleted by other documents at any time. It is inappropriate to cite this document as other than work in progress.

This document was produced by a group operating under the 5 February 2004 W3C Patent Policy. The group does not expect this document to become a W3C Recommendation. W3C maintains a public list of any patent disclosures made in connection with the deliverables of the group; that page also includes instructions for disclosing a patent. An individual who has actual knowledge of a patent which the individual believes contains Essential Claim(s) must disclose the information in accordance with section 6 of the W3C Patent Policy.

This document is governed by the 1 March 2017 W3C Process Document.

1. Introduction

This section is non-normative.

This specification is a Payment Method specification for use with the PaymentRequest API [PAYMENT-REQUEST-API]. With it, merchants can collect the basic card details (card holder name, card number, etc.) through the PaymentRequest API that they have traditionally collected through Web forms, but with an improved user experience.

Note

The Web Payments Working Group is also investigating payment methods that offer greater security (e.g., through tokenization).

2. Dependencies

This specification relies on several other underlying specifications.

Payment Request API
The terms PaymentRequest constructor, and PaymentAddress are defined by the PaymentRequest API specification [PAYMENT-REQUEST-API].
Payment Method Identifiers
The term Payment Method Identifier is defined by the Payment Method Identifiers specification [ METHOD-IDENTIFIERS].
Web IDL
The IDL in this specification is defined by Web IDL [WEBIDL].

3. Payment Method Identifier

The payment method identifier string for the Basic Card Payment method is basic-card.

4. Payment Method Specific Data for the PaymentRequest constructor

This section describes payment method specific data that is supplied as part of the data argument to the PaymentRequest constructor.

4.1 BasicCardRequest

enum BasicCardType {
    "credit",
    "debit",
    "prepaid"
};

dictionary BasicCardRequest {
    sequence<DOMString>     supportedNetworks;
    sequence<BasicCardType> supportedTypes;
};

The BasicCardRequest dictionary contains the following fields:

supportedNetworks
The supportedNetworks field contains a sequence of identifiers for card networks that the merchant accepts. W3C maintains a list of approved card network identifiers.
supportedTypes
The supportedTypes field contains a sequence of card types that the merchant accepts. Implementations will determine how to match the type values credit, debit, and prepaid.
Note

The supportedNetworks and supportedTypes fields are both optional. If neither is provided then any card may be returned. If only supportedNetworks is provided then any card type may be returned provided it matches one of the networks. If only supportedTypes is provided then a card may be returned from any network provided it matches one of the types.

5. Payment Method Response

The BasicCardResponse dictionary contains the response from the PaymentRequest API when a user accepts payment with a Basic Payment Card payment method.

5.1 BasicCardResponse

dictionary BasicCardResponse {
             DOMString       cardholderName;
    required DOMString       cardNumber;
             DOMString       expiryMonth;
             DOMString       expiryYear;
             DOMString       cardSecurityCode;

             PaymentAddress? billingAddress;
};

The BasicCardResponse dictionary contains the following fields:

cardholderName
The cardholderName field contains the cardholder's name as it appears on the card.
cardNumber
The cardNumber field contains the primary account number (PAN) for the payment card.
expiryMonth
The expiryMonth field contains a two-digit string for the expiry month of the card in the range 01 to 12.
expiryYear
The expiryYear field contains a four-digit string for the expiry year of the card in the range 0000 to 9999.
cardSecurityCode
The cardSecurityCode field contains a three or four digit string for the security code of the card (sometimes known as the CVV, CVC, CVN, CVE or CID).

6. Security and Privacy Considerations

Owners of web sites SHOULD NOT store the payer's card information except where warranted, such as storage for future and recurring payments. When card information is stored, web site owners SHOULD take measures to prevent its disclosure.

Note: Implementers may be subject to PCI DSS or other regulations, but discussion of those considerations lies outside the scope of this document.

A. References

A.1 Normative references

[METHOD-IDENTIFIERS]
Payment Method Identifiers. Adrian Bateman; Zach Koch; Roy McElmurry.W3C Working Draft. URL: https://www.w3.org/TR/payment-method-id/
[PAYMENT-REQUEST-API]
Payment Request API. Adrian Bateman; Zach Koch; Roy McElmurry.W3C Working Draft. URL: https://www.w3.org/TR/payment-request/
[WEBIDL]
Web IDL. Cameron McCormack; Boris Zbarsky; Tobie Langel. W3C. 15 December 2016. W3C Editor's Draft. URL: https://heycam.github.io/webidl/