Level 2 and Level 3 Processing

Capture more information to reduce interchange rates.


Credit card processing fits into three levels: Level 1, Level 2, and Level 3 processing.

Each level is defined by the amount of information needed to complete a transaction.

  • Level 1: Normal interchange, no additional fields required
  • Level 2: Lower interchange, additional fields required
  • Level 3: Lowest interchange, additional fields required

For Level 2 and Level 3 processing, only business-to-business merchants and the government can receive lower interchange fees. Additionally, a corporate, business, or purchase card is required to obtain the lower interchange rate for Level 2 and 3 processing.

  • This feature is only supported on Visa and Mastercard branded cards.
  • Because only business-to-business and government transactions qualify, the Merchant needs to be enabled for Level 2/3 processing.

Ineligible Merchants

Specific business are excluded from processing Level 2 and 3 transactions.

If a Merchant has one of the following Merchant Category Codes (MCC), they aren't eligible to process Level 2/3 transactions:

MCC Code Merchant Description
3000-3299, 4511 Airlines/Passenger Transport
3351-3500, 7512 Car Rentals/Auto Rental
4411 Cruise Lines
5962, 5966, 5967 High Risk Direct Marketing
3501-4010, 7011 Hotels/Lodging
4112 Passenger Railways
5812, 5814 Restaurants
4722 Travel Agents
7513 Truck and Utility Trailer Rentals

Update a Merchant to Enable Level 2/3 Processing

Before a seller can process Level 2 or 3 transactions, update their Merchant resource and enable level_two_level_three_data_enabled. For more information, see Update a Merchant.

The APIs to update Merchant flags are only available for Finix Core customers. If you have additional questions, please reach out to your Finix point of contact or email the Finix Support team.

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curl https://finix.sandbox-payments-api.com/merchants/MUeDVrf2ahuKc9Eg5TeZugvs \
    -H "Content-Type: application/vnd.json+api" \
    -H 'Finix-Version:2022-02-01' \
    -u  UStxEci4vXxGDWLQhNvao7YY:25038781-2369-4113-8187-34780e91052e \
    -X PUT \
    -d '
	{
	    "level_two_level_three_data_enabled": true
	}'

Example Response:

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{
  "id" : "MUeDVrf2ahuKc9Eg5TeZugvs",
  "created_at" : "2022-01-27T07:37:04.03Z",
  "updated_at" : "2022-01-27T07:37:06.12Z",
  "application" : "APgPDQrLD52TYvqazjHJJchM",
  "card_cvv_required" : false,
  "card_expiration_date_required" : true,
  "convenience_charges_enabled" : true,
  "creating_transfer_from_report_enabled" : true,
  "default_partial_authorization_enabled" : false,
  "fee_ready_to_settle_upon" : "SUCCESSFUL_CAPTURE",
  "gross_settlement_enabled" : false,
  "identity" : "IDuqZpDw28f2KK6YuDk4jNLg",
  "level_two_level_three_data_enabled" : true,
  "mcc" : "0742",
  "merchant_name" : "Dunder Mifflin",
  "merchant_profile" : "MP7tbAZ1RpjFycrfBVo6z4Ky",
  "mid" : "FNXw5a7pBKHsCSgCAyQvU2soL",
  "onboarding_state" : "APPROVED",
  "processing_enabled" : true,
  "processor" : "DUMMY_V1",
  "processor_details" : {
    "mid" : "FNXw5a7pBKHsCSgCAyQvU2soL",
    "api_key" : "secretValue"
  },
  "ready_to_settle_upon" : "SUCCESSFUL_CAPTURE",
  "rent_surcharges_enabled" : true,
  "settlement_enabled" : true,
  "settlement_funding_identifier" : "UNSET",
  "tags" : {
    "key_2" : "value_2"
  },
  "verification" : "VI5DBvVQ3ye5PcnUCSSvj84d",
  "_links" : {
    "self" : {
      "href" : "https://finix.sandbox-payments-api.com/merchants/MUeDVrf2ahuKc9Eg5TeZugvs"
    },
    "identity" : {
      "href" : "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
    },
    "verifications" : {
      "href" : "https://finix.sandbox-payments-api.com/merchants/MUeDVrf2ahuKc9Eg5TeZugvs/verifications"
    },
    "merchant_profile" : {
      "href" : "https://finix.sandbox-payments-api.com/merchant_profiles/MP7tbAZ1RpjFycrfBVo6z4Ky"
    },
    "application" : {
      "href" : "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "verification" : {
      "href" : "https://finix.sandbox-payments-api.com/verifications/VI5DBvVQ3ye5PcnUCSSvj84d"
    }
  }
}

Creating Sales with Level 2 and Level 3 Processing

Once level_two_level_three_data_enabled is updated to true, the Merchant can process both Level 2 and Level 3 Transfers and Authorizations.

  • Level 2 and Level 3 Processing combines the data that gets requested during creation and captures it into one API call. An Authorization with Level 2 or Level 3 processing only needs to be captured if the data is different or changes from the original Authorization .

When processing Level 2 and Level 3 transactions, it's required to include additional fields when creating a Transfer and Authorization.

  • There are no changes in the post-payments experience (reversals, refunds, settlements, etc.) when processing Level 2 or Level 3 transactions.
  • The request arguments noted as required are the minimum amount of information needed for L2 or L3 interchange rates. There’s no additional benefit in passing every available request argument for a particular level.

Creating a Sale with Level 2 and Level 3 Processing

Create a Sale with Level 2 Processing

Create a Transfer and include the required request arguments to include Level 2 processing.

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curl https://finix.sandbox-payments-api.com/transfers \
    -H "Content-Type: application/vnd.json+api" \
    -H 'Finix-Version:2022-02-01' \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '
	{
	    "additional_purchase_data": {
	        "customer_reference_number": "321xyz",
	        "sales_tax": 200
	    },
	    "amount": 1000,
	    "currency": "USD",
	    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
	    "source": "PIe2YvpcjvoVJ6PzoRPBK137"
	}'

A successful response returns 201 and the newly created Transfer.

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{
  "id" : "TRduGWrqXgcCcPBjhf5BXoB8",
  "created_at" : "2022-10-10T06:33:04.48Z",
  "updated_at" : "2022-10-10T06:33:05.26Z",
  "additional_buyer_charges" : null,
  "additional_healthcare_data" : null,
  "address_verification" : null,
  "amount" : 1000,
  "amount_requested" : 1000,
  "application" : "APgPDQrLD52TYvqazjHJJchM",
  "currency" : "USD",
  "destination" : null,
  "externally_funded" : "UNKNOWN",
  "failure_code" : null,
  "failure_message" : null,
  "fee" : 0,
  "idempotency_id" : null,
  "merchant_identity" : "IDuqZpDw28f2KK6YuDk4jNLg",
  "messages" : [ ],
  "raw" : null,
  "ready_to_settle_at" : null,
  "security_code_verification" : null,
  "source" : "PIe2YvpcjvoVJ6PzoRPBK137",
  "state" : "PENDING",
  "statement_descriptor" : "FNX*DUNDER MIFFLIN",
  "subtype" : "API",
  "tags" : {
    "test" : "sale"
  },
  "trace_id" : "e571cd7d-ab98-47c6-8bd5-2a9d92c7a94f",
  "trace_id" : "a91c7512-9ba9-497a-be2d-a154461f5463",
  "type" : "DEBIT",
  "_links" : {
    "application" : {
      "href" : "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "self" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TRduGWrqXgcCcPBjhf5BXoB8"
    },
    "merchant_identity" : {
      "href" : "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
    },
    "payment_instruments" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TRduGWrqXgcCcPBjhf5BXoB8/payment_instruments"
    },
    "reversals" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TRduGWrqXgcCcPBjhf5BXoB8/reversals"
    },
    "fees" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TRduGWrqXgcCcPBjhf5BXoB8/fees"
    },
    "disputes" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TRduGWrqXgcCcPBjhf5BXoB8/disputes"
    },
    "source" : {
      "href" : "https://finix.sandbox-payments-api.com/payment_instruments/PIe2YvpcjvoVJ6PzoRPBK137"
    },
    "fee_profile" : {
      "href" : "https://finix.sandbox-payments-api.com/fee_profiles/FPvCQUcnsueN3Bc3zR1qCBG8"
    }
  }
}

Request Arguments

Field Type Description
amount integer, required The total amount that will be debited in cents (e.g. 100 cents to debit $1.00)
currency string, required 3-letter ISO code designating the currency of the Transfers (e.g. USD)
merchant string, required Merchant ID of the merchant whom you're charging on behalf of
source string, required ID of the Payment Instrument that will be debited

Additional Purchase Data Request Arguments

Field Type Description
customer_reference_number string, required The customer reference for the purchase (max 17 characters)
sales_tax integer, required Total aggregate tax amount in cents for the entire purchase. Field is automatically calculated if you pass in the itemized tax amounts. For non-taxable transactions either set sales_tax to 0 or omit from payload and also set tax_exempt to true.

Create a Sale with Level 3 Processing

Create a Transfer with the additional fields to include Level 3 processing.

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curl https://finix.sandbox-payments-api.com/transfers \
    -H "Content-Type: application/vnd.json+api" \
    -H 'Finix-Version:2022-02-01' \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '
	{
      "additional_purchase_data": {
          "item_data": [
              {
                  "amount_excluding_sales_tax": 400,
                  "amount_including_sales_tax": 500,
                  "commodity_code": "175-62-20",
                  "cost_per_unit": 500,
                  "item_description": "printing paper",
                  "item_discount_amount": 100,
                  "merchant_product_code": "1149611",
                  "quantity": 1,
                  "unit_of_measure": "BX"
              },
              {
                  "amount_excluding_sales_tax": 400,
                  "amount_including_sales_tax": 500,
                  "commodity_code": "207-72-54",
                  "cost_per_unit": 500,
                  "item_description": "printing ink",
                  "item_discount_amount": 0,
                  "merchant_product_code": "2149612",
                  "quantity": 1,
                  "unit_of_measure": "CTN"
              }
          ],
          "customer_reference_number": "321xyz",
          "customs_duty_amount": 10,
          "discount_amount": 100,
          "shipping_amount": 100
      },
	    "amount": 1000,
	    "currency": "USD",
        "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
	    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
	    "tags": {
	        "test": "sale"
	    }
	}'

A successful response returns 201 and the newly created Transfer.

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{
  "id" : "TR3v4waDVmKK9gf24SuDinZQ",
  "created_at" : "2022-10-10T06:37:58.20Z",
  "updated_at" : "2022-10-10T06:37:58.97Z",
  "additional_buyer_charges" : null,
  "additional_healthcare_data" : null,
  "address_verification" : null,
  "amount" : 1000,
  "amount_requested" : 1000,
  "application" : "APgPDQrLD52TYvqazjHJJchM",
  "currency" : "USD",
  "destination" : null,
  "externally_funded" : "UNKNOWN",
  "failure_code" : null,
  "failure_message" : null,
  "fee" : 0,
  "idempotency_id" : null,
  "merchant_identity" : "IDuqZpDw28f2KK6YuDk4jNLg",
  "messages" : [ ],
  "raw" : null,
  "ready_to_settle_at" : null,
  "security_code_verification" : null,
  "source" : "PIe2YvpcjvoVJ6PzoRPBK137",
  "state" : "PENDING",
  "statement_descriptor" : "FNX*DUNDER MIFFLIN",
  "subtype" : "API",
  "tags" : {
    "test" : "sale"
  },
  "trace_id" : "046d9a4f-9688-4c3e-b7f0-665e1d541304",
  "type" : "DEBIT",
  "_links" : {
    "application" : {
      "href" : "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "self" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TR3v4waDVmKK9gf24SuDinZQ"
    },
    "merchant_identity" : {
      "href" : "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
    },
    "payment_instruments" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TR3v4waDVmKK9gf24SuDinZQ/payment_instruments"
    },
    "reversals" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TR3v4waDVmKK9gf24SuDinZQ/reversals"
    },
    "fees" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TR3v4waDVmKK9gf24SuDinZQ/fees"
    },
    "disputes" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TR3v4waDVmKK9gf24SuDinZQ/disputes"
    },
    "source" : {
      "href" : "https://finix.sandbox-payments-api.com/payment_instruments/PIe2YvpcjvoVJ6PzoRPBK137"
    },
    "fee_profile" : {
      "href" : "https://finix.sandbox-payments-api.com/fee_profiles/FPvCQUcnsueN3Bc3zR1qCBG8"
    }
  }
}

Request Arguments

Field Type Description
amount integer, required The total amount that will be debited in cents (e.g. 100 cents to debit $1.00)
currency string, required 3-letter ISO code designating the currency of the Transfers (e.g. USD)
merchant string, required Merchant ID of the merchant whom you're charging on behalf of
source string, required ID of the Payment Instrument that will be debited

Additional Purchase Data Request Arguments

Field Type Description
customer_reference_number string, required The customer reference for the purchase (max 17 characters)
customs_duty_amount integer, required The duty in cents on the total purchase amount for the order
discount_amount integer, required The amount in cents of the discount for the order
shipping_amount integer, required The shipping cost in cents for the order
tax_exempt boolean, optional For tax exempt purchases set to True

Item Data Request Arguments

Field Type Description
amount_excluding_sales_tax integer, required Total cost in cents of the line item excluding tax
amount_including_sales_tax integer, required Total cost in cents of the line item including tax
commodity_code string, required A commodity code is a numeric code representing a particular product or service as defined by the National Institute of Governmental Purchasing. The code can be 3, 5, 7, or 11 digits in length. The longer the code the more granular the description of the product/service. (max 12 characters)
cost_per_unit integer, required The price in cents of one unit of the item purchased
item_description string, required Required when item_data is supplied (max 25 characters)
item_discount_amount integer, required Item discount amount in cents
merchant_product_code string, required Merchant defined product code (max 12 characters)
quantity integer, required The number of items purchased. Must be greater than 0.
unit_of_measure string, required The unit of measure of the purchased item (max 3 characters)

Create an Authorization with Level 2 and Level 3 Processing

Create an Authorization with Level 2 Processing

Create an Authorization with the additional fields to include Level 2 processing.

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curl https://finix.sandbox-payments-api.com/authorizations \
    -H "Content-Type: application/vnd.json+api" \
    -H 'Finix-Version:2022-02-01' \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '
	{
	    "additional_purchase_data": {
	        "customer_reference_number": "321xyz",
	        "sales_tax": 200
	    },
	    "amount": 1000,
	    "currency": "USD",
	    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
	    "processor": "DUMMY_V1",
	    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
	    "tags": {
	        "order_number": "21DFASJSAKAS"
	    }
	}'

A successful response returns 201 and the newly created Authorization.

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{
  "id" : "AUazNfgBGxPoJ9FbVzsdYLWm",
  "created_at" : "2022-10-10T06:39:30.18Z",
  "updated_at" : "2022-10-10T06:39:30.56Z",
  "3ds_redirect_url" : null,
  "additional_buyer_charges" : null,
  "additional_healthcare_data" : null,
  "address_verification" : "POSTAL_CODE_AND_STREET_MATCH",
  "amount" : 1000,
  "amount_requested" : 1000,
  "application" : "APgPDQrLD52TYvqazjHJJchM",
  "currency" : "USD",
  "expires_at" : "2022-10-17T06:39:30.18Z",
  "failure_code" : null,
  "failure_message" : null,
  "idempotency_id" : null,
  "is_void" : false,
  "merchant_identity" : "IDuqZpDw28f2KK6YuDk4jNLg",
  "messages" : [ ],
  "raw" : null,
  "security_code_verification" : "MATCHED",
  "source" : "PIe2YvpcjvoVJ6PzoRPBK137",
  "state" : "SUCCEEDED",
  "tags" : {
    "order_number" : "21DFASJSAKAS"
  },
  "trace_id" : "85aeb017-f405-4938-a0f9-a91b9b9ef591",
  "transfer" : null,
  "void_state" : "UNATTEMPTED",
  "_links" : {
    "self" : {
      "href" : "https://finix.sandbox-payments-api.com/authorizations/AUazNfgBGxPoJ9FbVzsdYLWm"
    },
    "application" : {
      "href" : "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "merchant_identity" : {
      "href" : "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
    }
  }
}

Request Arguments

Field Type Description
amount integer, required The total amount that will be debited in cents (e.g. 100 cents to debit $1.00)
currency string, required 3-letter ISO code designating the currency of the Transfers (e.g. USD)
merchant string, required Merchant ID of the merchant whom you're charging on behalf of
source string, required ID of the Payment Instrument that will be debited
Additional Purchase Data Request Arguments
Field Type Description
customer_reference_number string, required The customer reference for the purchase (max 17 characters)
sales_tax integer, required Total aggregate tax amount in cents for the entire purchase. Field is automatically calculated if you pass in the itemized tax amounts. For non-taxable transactions either set sales_tax to 0 or omit from payload and also set tax_exempt to true.

Create an Authorization with Level 3 Processing

Create an Authorization with the additional fields to include Level 3 processing.

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Copied
curl https://finix.sandbox-payments-api.com/authorizations \
    -H "Content-Type: application/vnd.json+api" \
    -H 'Finix-Version:2022-02-01' \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '
	{
      "additional_purchase_data": {
          "item_data": [
              {
                  "amount_excluding_sales_tax": 400,
                  "amount_including_sales_tax": 500,
                  "commodity_code": "175-62-20",
                  "cost_per_unit": 500,
                  "item_description": "printing paper",
                  "item_discount_amount": 100,
                  "merchant_product_code": "1149611",
                  "quantity": 1,
                  "unit_of_measure": "BX"
              },
              {
                  "amount_excluding_sales_tax": 400,
                  "amount_including_sales_tax": 500,
                  "commodity_code": "207-72-54",
                  "cost_per_unit": 500,
                  "item_description": "printing ink",
                  "item_discount_amount": 0,
                  "merchant_product_code": "2149612",
                  "quantity": 1,
                  "unit_of_measure": "CTN"
              }
          ],
          "customer_reference_number": "321xyz",
          "customs_duty_amount": 10,
          "discount_amount": 100,
          "shipping_amount": 100
      },
	    "amount": 1000,
	    "currency": "USD",
        "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
	    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
	    "tags": {
	        "test": "sale"
	    }
	}'

A successful response returns 201 and the newly created Authorization.

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{
  "id" : "AU4HM7X5CcrZ3aXseTreMQ4D",
  "created_at" : "2022-10-10T06:40:16.66Z",
  "updated_at" : "2022-10-10T06:40:16.90Z",
  "3ds_redirect_url" : null,
  "additional_buyer_charges" : null,
  "additional_healthcare_data" : null,
  "address_verification" : "POSTAL_CODE_AND_STREET_MATCH",
  "amount" : 1000,
  "amount_requested" : 1000,
  "application" : "APgPDQrLD52TYvqazjHJJchM",
  "currency" : "USD",
  "expires_at" : "2022-10-17T06:40:16.66Z",
  "failure_code" : null,
  "failure_message" : null,
  "idempotency_id" : null,
  "is_void" : false,
  "merchant_identity" : "IDuqZpDw28f2KK6YuDk4jNLg",
  "messages" : [ ],
  "raw" : null,
  "security_code_verification" : "MATCHED",
  "source" : "PIe2YvpcjvoVJ6PzoRPBK137",
  "state" : "SUCCEEDED",
  "tags" : {
    "test" : "sale"
  },
  "trace_id" : "b2021017-a86a-4bbd-bfa9-9fe047b73067",
  "transfer" : null,
  "void_state" : "UNATTEMPTED",
  "_links" : {
    "self" : {
      "href" : "https://finix.sandbox-payments-api.com/authorizations/AU4HM7X5CcrZ3aXseTreMQ4D"
    },
    "application" : {
      "href" : "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "merchant_identity" : {
      "href" : "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
    }
  }
}

Request Arguments

Field Type Description
amount integer, required The total amount that will be debited in cents (e.g. 100 cents to debit $1.00)
currency string, required 3-letter ISO code designating the currency of the Transfers (e.g. USD)
merchant string, required Merchant ID of the merchant whom you're charging on behalf of
source string, required ID of the Payment Instrument that will be debited

Additional Purchase Data Request Arguments

Field Type Description
customer_reference_number string, required The customer reference for the purchase (max 17 characters)
customs_duty_amount integer, required The duty in cents on the total purchase amount for the order
discount_amount integer, required The amount in cents of the discount for the order
shipping_amount integer, required The shipping cost in cents for the order
tax_exempt boolean, optional For tax exempt purchases set to True

Item Data Request Arguments

Field Type Description
amount_excluding_sales_tax integer, required Total cost in cents of the line item excluding tax
amount_including_sales_tax integer, required Total cost in cents of the line item including tax
commodity_code string, required A commodity code is a numeric code representing a particular product or service as defined by the National Institute of Governmental Purchasing. The code can be 3, 5, 7, or 11 digits in length. The longer the code the more granular the description of the product/service. (max 12 characters)
cost_per_unit integer, required The price in cents of one unit of the item purchased
item_description string, required Required when item_data is supplied (max 25 characters)
item_discount_amount integer, required Item discount amount in cents
merchant_product_code string, required Merchant defined product code (max 12 characters)
quantity integer, required The number of items purchased. Must be greater than 0.
unit_of_measure string, required The unit of measure of the purchased item (max 3 characters)

Capture an Authorization with Level 2/Level 3 Processing

Unless the Level 2/Level 3 data is different than the original information used to create the Authorization, there's no need to include Level 2/Level 3 data in the capture request.

Finix will automatically include the Level 2/Level 3 data with the capture request.

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curl https://finix.sandbox-payments-api.com/authorizations/AUxgS2JLMnicqNYBpsViNQUp \
    -H "Content-Type: application/vnd.api+json" \
    -H 'Finix-Version:2022-02-01' \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -X PUT \
    -d '
	{
	    "additional_purchase_data": {
	        "item_data": [
	            {
                  "amount_excluding_sales_tax": 400,
                  "amount_including_sales_tax": 500,
                  "commodity_code": "175-62-20",
                  "cost_per_unit": 500,
                  "item_description": "printing paper",
                  "item_discount_amount": 100,
                  "merchant_product_code": "1149611",
                  "quantity": 1,
                  "unit_of_measure": "BX"
	            },
	            {
                  "amount_excluding_sales_tax": 400,
                  "amount_including_sales_tax": 500,
                  "commodity_code": "207-72-54",
                  "cost_per_unit": 500,
                  "item_description": "printing ink",
                  "item_discount_amount": 0,
                  "merchant_product_code": "2149612",
                  "quantity": 1,
                  "unit_of_measure": "CTN"
	            }
	        ],
          "customer_reference_number": "321xyz",
          "customs_duty_amount": 10,
          "discount_amount": 100,
          "shipping_amount": 100
	    },
	    "fee": 0,
	    "capture_amount": 100
	}'

A successful response returns 201 and the captured Authorization.

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{
  "id" : "AUxgS2JLMnicqNYBpsViNQUp",
  "created_at" : "2022-09-28T19:07:52.44Z",
  "updated_at" : "2022-10-10T06:43:53.74Z",
  "3ds_redirect_url" : null,
  "additional_buyer_charges" : null,
  "additional_healthcare_data" : null,
  "address_verification" : "POSTAL_CODE_AND_STREET_MATCH",
  "amount" : 100,
  "amount_requested" : 100,
  "application" : "APgPDQrLD52TYvqazjHJJchM",
  "currency" : "USD",
  "expires_at" : "2022-10-05T19:07:52.44Z",
  "failure_code" : null,
  "failure_message" : null,
  "idempotency_id" : null,
  "is_void" : false,
  "merchant_identity" : "IDuqZpDw28f2KK6YuDk4jNLg",
  "messages" : [ ],
  "raw" : null,
  "security_code_verification" : "MATCHED",
  "source" : "PIe2YvpcjvoVJ6PzoRPBK137",
  "state" : "SUCCEEDED",
  "tags" : {
    "order_number" : "21DFASJSAKAS"
  },
  "trace_id" : "99df414c-7afb-4d97-b3cd-3592a37eefa8",
  "transfer" : "TRskeVxUegfhhffGLFX4TEUa",
  "void_state" : "UNATTEMPTED",
  "_links" : {
    "self" : {
      "href" : "https://finix.sandbox-payments-api.com/authorizations/AUxgS2JLMnicqNYBpsViNQUp"
    },
    "application" : {
      "href" : "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "transfer" : {
      "href" : "https://finix.sandbox-payments-api.com/transfers/TRskeVxUegfhhffGLFX4TEUa"
    },
    "merchant_identity" : {
      "href" : "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
    }
  }
}