Gift cards and other stored value cards

Stored value cards are payment cards with a monetary value that is stored on the card itself instead of in a bank account. Examples are gift cards, mall cards, meal vouchers, and other prepaid cards. Some cards can be reused by transferring money to it, others are disposable cards that can't be reloaded.

With a Terminal API integration you can accept gift cards issued by Givex, Intersolve, Stored Value Solutions (SVS), and Fiserv (formerly ValueLink).

With a Terminal API request from your POS app, you can make the following gift card transactions:

Transaction	Givex	SVS	Fiserv	Intersolve
Make a payment
Activate with or without loading an amount
Deactivate
Cash out
Check balance
Load an amount
Undo load transaction
Refund

Before you begin

Before you start integrating gift card transactions:

• Add the payment method to your Adyen account. We will contact you if there are additional requirements before we can configure your account for gift card functionality.
• Make sure your integration supports partial payments.
• Complete the onboarding process with the gift card provider.
• Get your issued gift cards.

Card entry methods

To process a gift card transaction, we need to know the card details. There are several methods to obtain these, and in your gift card transaction request you need to specify the card entry method used:

• Scan: you scan the gift card using a barcode scanner linked to the POS system. Then you specify the gift card details in the request that you send to the terminal.
• Swipe: when you send a request to the payment terminal, the shopper is prompted to swipe their card on the terminal. The terminal combines the request and the swiped card details to process the transaction, and sends the transaction result to the POS app.
• Manual keyed entry (MKE): when you send a request to the payment terminal, the shopper is prompted to manually enter the gift card details on the terminal. The terminal combines the request and the entered details to process the transaction, and sends the transaction result to the POS app.

PIN options

If the gift card has a PIN code or another type of security code, the terminal will prompt the shopper to enter their PIN. Contact our Support Team if you want to enable the following PIN options:

• PIN entry override: the terminal will not prompt the shopper to enter their PIN.
• Store PIN: the terminal will store the PIN in its cache after first entry. For a limited amount of time, the terminal will no longer prompt the shopper to enter the PIN if the card is used again, for instance, to load funds. The terminal will clear the PIN from the cache after a configurable time of 25 seconds to 30 minutes or as soon as any other payment or gift card is presented.

Stored Value API

There are some gift card transactions that you can do using our Stored Value API instead of using Terminal API. The Stored Value API is a JSON-only API that is the same for point of sale and ecommerce. You can't make payments with this API, but you can use it for the following transactions:

Transaction	Givex	SVS	Fiserv	Intersolve
Activate with or without loading an amount
Deactivate
Check balance
Load amount
Undo load transaction

The Stored Value API doesn't support issuing plastic gift cards for use at the point of sale.

With a point-of-sale integration, you already know the structure of the Terminal API and thus may prefer to do all point-of-sale gift card transactions using Terminal API.
If you also have an ecommerce integration, you may prefer to do these transactions for both point of sale and ecommerce using the Stored Value API. In this case you use the Terminal API only for gift card payments and refunds.

Mall cards

Payment providers like Adyen process mall card payments through the card scheme that the mall card is co-badged with: either Mastercard or Visa. To ensure those payments are not refused, you must provide the mall card program with the merchant ID (MID) that we use for your store, for Mastercard or for Visa. The mall card program then adds your MID to the list of allowed MIDs in their system.

Send MIDs to the mall card program

To view the MIDs of your stores in the Customer Area, your user must have the following role:

• View Acquiring Details

1. Get the card scheme:

   • Contact the mall card program and ask what card scheme the mall card is co-badged with.

   If there are multiple mall cards you want to accept, you must get the card scheme for each mall card.

2. Get the MIDs:

   1. In your live Customer Area, go to Settings > Payment methods.

      If you don't see the MID column, select the gear icon and then enable the MID column.

   2. Filter the list to show your stores and the card scheme (Mastercard or Visa).

   3. For every store you want to include in the mall card program, get the MID that matches the card scheme.

3. Send the MIDs to the mall card program.
   They will add the MIDs to the list of allowed stores, so the mall card payments don't get rejected.

Next steps

See also