--- title: Alternative Payment Methods (Non-Credit Card) Tests slug: extensions/4qeytFPMkeA-KMk0qJbFk docTags: createdAt: 2025-12-14T14:23:42.414Z --- Non Credit Card orders include any alternative payment methods that can be used to pay partially or fully for an order including: - Gift Card - Store Credit - Loyalty Points - ApplePay - AmazonPay - AfterPay - Affirm - ShopRunner - Klarna Below is an outline of recommended testing and mapping for each of payment method. ## Gift Card Orders ### Gift Card Mapping In order for our servers to correctly identify gift card orders, please send gift card as a payment instrument detail in the request. There should be a dedicated giftCard object payment array in the validation API documentation. The request should look something like: ```javascript function ForterGiftCard(auth, gc) { // optional object for gift card purchases this.merchantPaymentId = gc.paymentTransaction.transactionID; this.value = {}; this.value.currency = auth.currency_code; this.value.amountUSD = auth.amount.toString(); this.value.amountLocalCurrency = auth.amount.toString(); } ``` ### Gift Card Testing - General test transaction: place an order using a valid test gift card and **ANY email address** - Customer pays for entire order with gift card using the email address `approve@forter.com` - Customer pays for entire order with gift card using the email address `decline@forter.com` - Customer pays for entire order with gift card using the email address `notreviewed@forter.com` ## Store Credit ### Store Credit Mapping Store Credit orders use an object identical to the gift card object formatting, please send store credit as a payment instrument detail in the request. There should be a dedicated giftCard object payment array in the validation API documentation. The request should look something like: ```javascript function ForterStoreCredit(auth, sc) { // optional object for purchases made with store credit this.merchantPaymentId = sc.paymentTransaction.transactionID; // customized based on gateway this.value = {}; this.value.currency = auth.currency_code; // customized based on gateway this.value.amountUSD = auth.amount.toString(); // customized based on gateway this.value.amountLocalCurrency = auth.amount.toString(); // customized based on gateway } ``` ### Store Credit Testing - General test transaction: place an order using store credit and **ANY email address** - Customer pays for entire order with store credit using the email address `approve@forter.com` - Customer pays for entire order with store credit using the email address `decline@forter.com` - Customer pays for entire order with store credit using the email address `notreviewed@forter.com` ## Loyalty Points ### Loyalty Points Mapping Store Credit orders use an object identical to the gift card object formatting, please send store credit as a payment instrument detail in the request. There should be a dedicated giftCard object payment array in the validation API documentation. The request should look something like: ```javascript function ForterLoyalty(auth, loyalty) { // optional object for purchases made with loyalty points this.loyaltyPointsCount = sc.paymentTransaction.loyaltyValue; // customized based on gateway this.loyaltyPointsSource = account.pointsLocation; // optional this.merchantPaymentId = auth.loayltyCode; // optional } ``` ### Loyalty Points Testing - General test transaction: place an order using loyalty points and **ANY email address** - Customer pays for entire order with store loyalty points using the email address `approve@forter.com` - Customer pays for entire order with store loyalty points using the email address `decline@forter.com` - Customer pays for entire order with store loyalty points using the email address `notreviewed@forter.com` ## ApplePay ### ApplePay Mapping ApplePay orders leverage a tokenized card object. Please send ApplePay orders as a payment instrument detail in the request. There should be a dedicated applePay object withinpayment array in the validation API documentation. The request should look something like: ```javascript function ForterApplePay(auth, ap) { // where var ap is the raw applepay response data from your payment gateway var processorResponseCode = "", processorResponseText = ""; // format the expiration month. from 1 to 01, etc. if (ap.creditCardExpirationMonth.toString().length == 1) { var creditCardExpMonth = "0" + cc.creditCardExpirationMonth.toString(); } else { var creditCardExpMonth = cc.creditCardExpirationMonth.toString(); } this.nameOnCard = ap.creditCardHolder; this.cardBrand = ap.creditCardType; this.token = ap.token; this.lastFourDigits = ap.creditCardNumberLastDigits; //optional this.expirationMonth = creditCardExpMonth; this.expirationYear = cc.creditCardExpirationYear.toString(); this.verificationResults = {}; this.verificationResults.avsFullResult = auth.avs.toString(); // optional this.verificationResults.cvvResult = auth.cvd_code.toString(); // optional this.verificationResults.authorizationCode = auth.authorization_num.toString(); processorResponseCode = auth.exact_resp_code.toString(); processorResponseText = auth.exact_message.toString(); this.verificationResults.processorResponseCode = processorResponseCode; this.verificationResults.processorResponseText = processorResponseText; } ``` ### ApplePay Testing - General test transaction: place an order using ApplePay and **ANY email address** - Customer pays for order using ApplePay and the email address `approve@forter.com` - Customer pays for order using ApplePay and the email address `decline@forter.com` - Customer pays for order using ApplePay and the email address `notreviewed@forter.com` ## Digital Wallets (e.g. AmazonPay, MetaPay) ### Digital Wallet Mapping The Digital Wallet object includes any of the following payment methods: - AmazonPay - AliPay - FacebookPay - MetaPay - Zelle - WeChat Pay - Mercado Pago - UnionPay - Payco - Ame Digital - KakaoPay - Line Pay - NaverPay - MB Way These orders use a digitalWallet method. Please send any of the above payment methods in the `digitalWallet` object and use one of the dedicated enums listed in our [Order v3](https://docs.forter.com/reference/order-v3) Documentation ```javascript function ForterDigitalWallet(auth) { this.digitalWalletName = "AMAZONPAY"; // select "AMAZONPAY" enum this.underlyingPaymentMethod.underlyingPaymentMethodName = "CREDITCARD"; // select from relevant enum UNKNOWN, CREDITCARD, BANKTRANSFER, CASH, BITCOIN this.paymentSuccessStatus = "Completed"; // gateway auth response this.digitalWalletPayerEmail = "john_s@test.com"; // email associated with digital wallet this.fullDigitalWalletResponsePayload = {}; // full response payload from digital wallet gateway } ``` ### Digital Wallet Testing - General test transaction: place an order using applicable digital wallet and **ANY email address** - Customer pays for order using AmazonPay (or applicable digital wallet) and email address `approve@forter.com` - Customer pays for order using applicable digital wallet and email address `decline@forter.com` - Customer pays for order using applicable digital wallet and email `notreviewed@forter.com` ## AfterPay ### AfterPay Mapping Like AmazonPay, AfterPay orders use a installmentService method object which is mostly freeform but should still be a dedicated object. Please send AfterPay payment data in the `GeneralPayment` object as a payment instrument detail in the request. ```javascript function ForterAffirm(auth) { // optional object for purchases made with Affirm this.name = "AfterPay Payment"; this.payload= {}; // any additional raw response data } ``` ### Affirm Testing - General test transaction: place an order using AfterPay account and **ANY email address** - Customer pays for order using AfterPay and email address `approve@forter.com` - Customer pays for order using AfterPay and email address `decline@forter.com` - Customer pays for order using AfterPay and email `notreviewed@forter.com` Note that by default, AfterPay payments will show as **General Payment method** in the Detailed transaction view and Forter will not decision these transactions (i.e. return a `not reviewed` decision). AfterPay typically provides its own coverage and fraud detection for payments with this method. However, if you would like decisions on this payment method, please contact your onboarding analyst. ## Affirm ### Affirm Mapping Affirm orders use a generalPayment method object which is mostly freeform but should still be a dedicated object. Please send Affirm in the GeneralPayment object as a payment instrument detail in the request. ```javascript function ForterAffirm(auth) { // optional object for purchases made with Affirm this.name = "Affirm Payment"; this.payload= {}; // any additional raw response data } ``` ### Affirm Testing - General test transaction: place an order using AmazonPay account and **ANY email address** - Customer pays for order using AmazonPay and email address `approve@forter.com` - Customer pays for order using AmazonPay and email address `decline@forter.com` - Customer pays for order using AmazonPay and email `notreviewed@forter.com` Note that by default, Affirm payments will show as **General Payment method** in the Detailed transaction view and Forter will not decision these transactions (i.e. return a `not reviewed` decision). If you would like decisions on this payment method, please contact your onboarding analyst. ## ShopRunner ### Shoprunner Mapping ShopRunner orders can leverage either the existing creditCard object or tokenizedCard object. Depending on the authorization data you have available, these should be mapped to either the tokenizedCard or creditCard payment instrument detail in the request. The below example request uses the tokenizedCard mapping: ```javascript function ShopRunner(auth, cc) { // where var ap is the raw applepay response data from your payment gateway var processorResponseCode = "", processorResponseText = ""; // format the expiration month. from 1 to 01, etc. if (ap.creditCardExpirationMonth.toString().length == 1) { var creditCardExpMonth = "0" + cc.creditCardExpirationMonth.toString(); } else { var creditCardExpMonth = cc.creditCardExpirationMonth.toString(); } this.nameOnCard = cc.creditCardHolder; this.cardBrand = cc.creditCardType; this.token = cc.token; this.lastFourDigits = cc.creditCardNumberLastDigits; this.expirationMonth = cc.creditCardExpMonth; this.expirationYear = cc.creditCardExpirationYear.toString(); this.verificationResults = {}; this.verificationResults.avsFullResult = auth.avs.toString(); // optional this.verificationResults.cvvResult = auth.cvd_code.toString(); // optional this.verificationResults.authorizationCode = auth.authorization_num.toString(); processorResponseCode = auth.exact_resp_code.toString(); processorResponseText = auth.exact_message.toString(); this.verificationResults.processorResponseCode = processorResponseCode; this.verificationResults.processorResponseText = processorResponseText; this.paymentGatewayData = {}; this.paymentGatewayData.gatewayName = "FIRSTDATA_CREDIT"; // adjust based on your processor this.paymentGatewayData.gatewayTransactionId = auth.retrieval_ref_no.toString(); } ```