--- title: Alternative Payments slug: extensions/alternative-payments docTags: createdAt: 2025-12-14T14:23:42.414Z --- # Alternative (Non-Credit Card) Payment Methods ## Non-Credit Card orders 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 Below is an outline of recommended mapping for each of payment method. If you had these alternate payments - it should be added as logic on payment level to identify each payment method. After each payment method is identified, you can reference the relevant function to generate the data needed to map to the correct payment method object. ## Gift Card Orders 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 [Order API](https://docs.forter.com/reference/order-v3) . The request should look something like: ```javascript function ForterGiftCard(auth, giftCard) { // optional object for gift card purchases this.merchantPaymentId = giftCard.paymentTransaction.transactionID; this.value = {}; this.value.currency = auth.currency_code; this.value.amountUSD = auth.amount.toString(); this.value.amountLocalCurrency = auth.amount.toString(); } ``` ## 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 order 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 } ``` ## 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 order API documentation. The request should look something like: ```javascript function ForterLoyalty(auth, loyalty) { // optional object for purchases made with loyalty points this.loyaltyPointsCount = parseInt(loyalty.loyaltyValue); // customized based on gateway this.loyaltyPointsSource = loyalty.pointsLocation; // optional this.merchantPaymentId = auth.loyaltyCode; // optional } ``` ## ApplePay Mapping ApplePay orders should map to a dedicated `applePay` object in the request that is built from the ForterOrder.ds file. The ApplePay object should be nested within the `payment` array and include the available authorization response data that you receive on the paymentInstrument. See the below example for reference: ```javascript "applePay": { "nameOnCard": "Matthew Botbyl", "cardBrand": "Visa", "token": "46C5176ABX", "lastFourDigits": "7125", "expirationMonth": "12", "expirationYear": "2025", "cardType": "CREDIT", "countryOfIssuance": "US", "cardBank": "Chase Bank", "fingerprint": "rvH8RyvbatRRTi1w", "verificationResults": { "cvvResultCode": "pass", "avsStreetResult": "M", "authorizationCode": "38671PN7x", "processorResponseCode": "100", "processorResponseText": "Payment complete." }, "paymentGatewayData": { "gatewayName": "Stripe", "gatewayTransactionId": "ch_Gcue5iOK5JbMtG" } } ``` ### Order.ds 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 within the payment array in the validation API documentation. Mapping the applePay information within the request may be structured similar to the following with customized logic based on the response data that you receive from your payment gateway. **Example:** ```javascript function ForterApplePay(auth, apple) { // where var ap is the raw applepay response data from your payment gateway // format the expiration month. from 1 to 01, etc. if (apple.expirationMonth.toString().length == 1) { var appleExpMonth = "0" + apple.payment.expirationMonth.toString(); } else { var appleExpMonth = apple.payment.expirationMonth.toString(); // TO DO: adjust to data available } this.nameOnCard = apple.creditCardHolder; //name on card if available in auth this.cardBrand = apple.creditCardType; // TODO: adjust to your payment gateway this.token = apple.token; this.lastFourDigits = apple.creditCardNumberLastDigits; //optional this.expirationMonth = appleExpMonth; // TODO: adjust to your payment gateway this.expirationYear = apple.payment.ExpirationYear.toString(); // TODO: adjust to your payment gateway 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(); // TODO: adjust to your payment gateway processorResponseText = auth.exact_message.toString(); // TODO: adjust to your payment gateway this.verificationResults.processorResponseCode = processorResponseCode; // TODO: adjust to your payment gateway this.verificationResults.processorResponseText = processorResponseText; // TODO: adjust to your payment gateway } ``` ## Digital Wallets (e.g. AmazonPay, MetaPay) Digital Wallets (AmazonPay, MetaPay) 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 object. Please send any of the above payment methods in the digitalWallet object and use one of the dedicated enums listed in our [Orders API Documentation](https://docs.forter.com/reference/order-v3). **Sample Digital Wallet mapping** ```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 } ``` ## AfterPay **Afterpay Mapping** AfterPay orders can use the \`installmentService\` payment method object that includes fields for the customer's name, the Affirm gateway transaction identifier, the raw response payload, and any authorization response data you may receive from your gateway. ```javascript "installmentService": { "serviceName": "Afterpay Payment", "firstName": "Nerri", "lastName": "Shelan", "serviceResponseCode": "200", "paymentId": "AFTasasdVVG", "fullResponsePayload": {} }, ``` **Sample function** ```javascript function ForterAfterPay(auth) { // optional object for purchases made with Affirm this.serviceName = "AfterPay Payment"; // can be hardcoded this.firstName = ""; //optional this.lastName = ""; // optional this.paymentId = auth.transaction.data.code; // unique identifier from AfterPay this.serviceResponseCode = auth.processorResponse.toString(); this.fullResponsePayload = auth; // any additional raw response data as an object } ``` Note that by default, Forter will not decision AfterPay, Affirm and any InstallmentService payments (i.e. return a `not reviewed` decision). If you would like decisions on this payment method or any installmentService payment types, please contact your onboarding team to enable decisioning for this payment method. ## Affirm **Affirm Mapping** Affirm orders use the `installmentService` payment method object that includes fields for the customer's name, the Affirm gateway transaction identifier, the raw response payload, and any authorization response data you may receive from your gateway. ```javascript function ForterAffirm(auth, order) { // optional object for purchases made with Affirm this.serviceName = "Affirm"; // can be hardcoded for all Affirm payments this.firstName = order.customer.profile.firstName; this.lastName = order.customer.profile.lastName; this.serviceResponseCode = auth.ResponseMessage; this.paymentId = auth.gatewayTransactionID; this.payload = {}; // any additional raw response data } ``` **Sample Affirm Object (installmentService)** Affirm payments should map to the \`installmentService\` object within the \`payment\` array. Depending on the data you have available for each order paid with Affirm, fields such as \`firstName\`, \`lastName\` and \`serviceResponseCode\` can be made optional. ```javascript "installmentService": { "serviceName": "Affirm", "firstName": "Guy", "lastName": "Zucker", "serviceResponseCode": "200", "paymentId": "YTZ8JAMENAWRRVVG", "fullResponsePayload": {} }, ``` In the Forter Portal, Affirm payments will show as **InstallmentService** in the Detailed transaction view and by default 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 team to enable this payment method. ## ShopRunner 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(); } ```