Card and shopper identifiers

To apply shopper recognition successfully, you need to know what data can lead to insights or play a part in various use cases — like card-based identification, shopper loyalty and engagement, and recurring contract payments. We refer to these data as card and shopper identifiers.

The identifiers are returned in Terminal API card acquisition and payment responses, and also asynchronously in notification webhooks. However, you don't receive all of them automatically. There are some identifiers that you need to enable in your Customer Area, and some that you first need to collect or create yourself.

Overview of card and shopper identifiers

Shopper recognition use cases can involve one or more of the following identifiers:

• BIN: The Bank Identification Number of the shopper's card.

• Card alias: A value that uniquely represents the shopper's card number (PAN), for example A37317672402294. With this, you can recognize the card that a shopper is using. You can't use the card alias for making payments. For NFC wallet transactions, there's no card alias because the PAN is not available.

• Funding source: Funding source of the card, for example debit, credit, or prepaid.

• Issuer country: Country code of the country where the card was issued. This is usually a good indicator of the shopper's country of residence.

• Recurring detail reference: The token for making recurring contract payments. The token is generated on the plataforma de pagamentos da Adyen and returned in the response for the initial payment. In the recurring payments you use this token instead of actual card details.

• Shopper reference: A unique reference defined by you and stored on the plataforma de pagamentos da Adyen when creating a recurring contract. Based on the shopper reference, you can recognize the shopper who makes a purchase. If you collect the shopper's email address, you can link multiple card aliases and recurring detail references to the same shopper through their email address. The shopper reference is necessary for making recurring contract payments, in addition to the recurring detail reference (the token).

• Shopper email: The shopper's email address that you collected in some way, and stored on the plataforma de pagamentos da Adyen when creating a recurring contract.

The importance of these identifiers depends on your scenario. The following table shows the connection between identifiers and use case examples.

Identifier	Insights	Card-based identification	Loyalty	Tax-free shopping	Recurring payments
BIN
Card alias
Funding source
Issuer country
Recurring detail reference
Shopper email
Shopper reference

Receiving identifiers in Terminal API responses

The following identifiers are returned automatically:

• Funding source
• Card BIN
• Card alias

The shopper email is only returned in the response if you have previously collected the email from the shopper and stored the email with Adyen (through a payment request).

But to get the issuer country, the shopper reference, and the recurring detail reference, you need to enable receiving them:

1. In your Customer Area, go to Developers > API URLs.

2. On the Additional data settings tab, select options:

   Additional data setting	Description
   Issuer country	Returns the numeric country code (for example, 528), both in the CardData and in the AdditionalResponse. Also returns the two-letter country code (for example, NL) in the AdditionalResponse.
   Recurring details	Returns the shopper reference and the recurring detail reference in the AdditionalResponse.

Example

In the Terminal API response, the identifiers are in the AdditionalResponse. Some identifiers are also returned in other fields. We return the AdditionalResponse either as key-value pairs separated by an ampersand &, or as a Base64-encoded string that you need to decode to get a JSON object.

{
    "SaleToPOIResponse": {
        "MessageHeader": {...},
        "PaymentResponse": {...},
            "PaymentReceipt": [...],
            "PaymentResult": {
                ...
                "PaymentInstrumentData": {
                    "CardData": {
                        "{hint:Included if you enabled receiving the issuer country}CardCountryCode{/hint}": "826",
                        ...
                        "PaymentToken": {
                            "TokenRequestedType": "Customer",
                            "{hint:The card alias, returned if the request includes TokenRequestedType}TokenValue": "M469509594859802{/hint}"
                        },
                    },
                    "PaymentInstrumentType": "Card"
                }
            },
            "Response": {
                "{hint:Includes identifiers and transaction details}AdditionalResponse{/hint}": "...&alias=M469509594859802....&recurring.shopperReference=SREF12458...&shopperReference=SREF12458&shopperEmail=S.Hopper%40example.com...&cardIssuerCountryId=826...&fundingSource=CREDIT&issuerCountry=GB...&cardBin=541333...",
                "Result": "Success"
            },
            "SaleData": {...}
        }
    }
}

If the AdditionalResponse is returned as a Base64-encoded string, you get a JSON object similar to the following when you Base64-decode the string:

{
    "additionalData": {
        "AID": "A000000004101001",
        "adjustAuthorisationData": "BQABAQA20...oyMyv",
        "alias": "M469509594859802",
        "aliasType": "Default",
        "applicationPreferredName": "mc en gbr gbp",
        "backendGiftcardIndicator": "false",
        "batteryLevel": "40%",
        "cardBin": "541333",
        "cardHolderVerificationMethodResults": "420300",
        "cardIssueNumber": "33",
        "cardIssuerCountryId": "826",
        "cardScheme": "mc",
        "cardSummary": "9999",
        "cardType": "mc",
        "expiryMonth": "02",
        "expiryYear": "2028",
        "fundingSource": "CREDIT",
        "giftcardIndicator": "false",
        "iso8601TxDate": "2021-04-14T13:06:39.0000000+0000",
        "issuerCountry": "GB",
        "merchantReference": "818",
        "mid": "1000",
        "offline": "false",
        "paymentMethod": "mc",
        "paymentMethodVariant": "mc",
        "posAmountCashbackValue": "0",
        "posAmountGratuityValue": "0",
        "posAuthAmountCurrency": "EUR",
        "posAuthAmountValue": "12098",
        "posEntryMode": "CLESS_CHIP",
        "posOriginalAmountValue": "12098",
        "posadditionalamounts.originalAmountCurrency": "EUR",
        "posadditionalamounts.originalAmountValue": "12098",
        "pspReference": "8825408195409505",
        "recurring.shopperReference": "SREF12458",
        "shopperEmail": "S.Hopper@example.com",
        "shopperReference": "SREF12458",
        "startMonth": "01",
        "startYear": "2017",
        "tc": "23733CAF5C7F70B2",
        "tid": "47069832",
        "transactionLanguage": "en",
        "transactionReferenceNumber": "8825408195409505",
        "transactionType": "GOODS_SERVICES",
        "txdate": "14-04-2021",
        "txtime": "15:06:39"
    },
    "store": "YOUR_STORE"
}

Receiving identifiers in webhooks

Especially for gaining insights across channels, you may want to gather identifiers from Standard Notification webhooks.

1. Set up webhooks for standard notifications.
2. Enable additional settings to ensure the standard notifications contain the identifiers you are interested in. Some of the settings you may want to enable, are:

   Additional setting	Description
   Include Alias Info	Returns alias (card alias) and aliasType
   Include Funding Source	Returns the fundingSource
   Include Issuer Country	Returns the issuerCountry
   Include Shopper Details	Returns the shopperEmail and shopperReference
   Include Card Bin	Returns the cardBin

Example standard notification

The following example shows the standard notification webhook for a point-of-sale payment. The identifiers are in the additionalData object.

{
    "live": "false",
    "notificationItems": [
        {
            "NotificationRequestItem": {
                "additionalData": {
                    "authCode": "00",
                    "cardSummary": "9999",
                    "shopperEmail": "S.Hopper@example.com",
                    "shopperIP": "198.51.100.1",
                    "expiryDate": "02/2028",
                    "issuerCountry": "GB",
                    "cardBin": "541333",
                    "aliasType": "Default",
                    "alias": "M469509594859802",
                    "recurring.shopperReference": "SREF12458",
                    "fundingSource": "CREDIT",
                    "shopperReference": "SREF12458"
                },
                "amount": {
                    "currency": "EUR",
                    "value": 12098
                },
                "eventCode": "AUTHORISATION",
                "eventDate": "2021-04-14T15:30:14+02:00",
                "merchantAccountCode": "YOUR_MERCHANT_ACCOUNT",
                "merchantReference": "902",
                "operations": [
                    "CANCEL",
                    "CAPTURE",
                    "REFUND"
                ],
                "paymentMethod": "mc",
                "pspReference": "8825408195409505",
                "reason": "00:9999:02/2028",
                "success": "true"
            }
        }
    ]
}

What do you want to do?

Now that you understand the data involved in shopper recognition, select the topic that you want to know more about.