Model: standardPayment

[REQUIRED] Unique transaction identifier (e.g., order/booking number). Max length 40.

[REQUIRED] Type of submission: occurs pre-auth, post-auth, or updates an existing transaction.

[REQUIRED] RFC3339 timestamp of when the transaction occurred. Future dates not accepted.

[OPTIONAL] Merchant's internal account identifier linked to the customer.

[OPTIONAL] Whether checkout happened without logging in to an account.

[REQUIRED] Total amount for the transaction in local currency (tax + shipping included).

[OPTIONAL] Tax amount in local currency.

[REQUIRED] Three-letter ISO-4217 currency code for all monetary values (e.g., USD).

[REQUIRED] Merchant outcome prior to Accertify recommendation (true = would accept; false = would deny).

[OPTIONAL] Failure reason code when applicable.

[OPTIONAL] Account holder's first name (required if accountID exists).

[OPTIONAL] Account holder's middle name.

[OPTIONAL] Account holder's last name (required if accountID exists).

[OPTIONAL] Account holder's phone number (no country prefix in this field).

[REQUIRED] High-level purchase classification.

[OPTIONAL] Third-party marketplace listing identifier where applicable.

[OPTIONAL] Customer's loyalty ID if different from accountID.