Antifraud — Multiple payment: `CreditCard` + `Points`

Create Evaluation supports multiple payment instruments in the same request via payments[].
For airline / loyalty checkouts, a common pattern is partial payment with loyalty points plus the remaining balance on a credit card.

Official reference: Create Evaluation

Payment objects are discriminated by method (Standard Antifraud API).

Rules

Put one object per payment method inside payments[].
Sum of all payments[].amount.value must match transaction.total_amount.value.
Currency must be consistent across payments and transaction (currency_code).
Map loyalty / Premier Points spend to method: Points — not a separate loyalty object outside payments.

`CreditCard` — required fields

Field	Type	Notes
`method`	string	`CreditCard`
`amount`	object	`currency_code` + `value` (amount charged on the card)
`installments`	integer	Number of installments (Ecommerce)
`payer`	object	Cardholder / payer identity
`details`	object	Card metadata when available (`bin`, `last_digits`, expiration, brand)

Optional: token, secure_token, subscription, id.

`details` (recommended)

Field	Notes
`bin`	First 6–8 digits
`last_digits`	Last 4 digits
`expiration_month`	`1`–`12`
`expiration_year`	Full year (e.g. `2028`)
`brand_code`	e.g. `VI`
`brand_name`	e.g. `Visa`

`Points` — required fields

Field	Type	Notes
`method`	string	`Points`
`quantity`	integer	Number of points spent
`amount`	object	Monetary value covered by those points (`currency_code` + `value`)

Loyalty profile fields such as account number, tier, or points balance are not part of the Points payment schema. Only method, quantity, and amount are sent on this payment object.

Mapping from booking / loyalty payload

Source field	Payment target
`paymentDetails[]` (card)	`payments[]` → `method: CreditCard`
`loyalty.pointsUsed`	`payments[]` → `Points.quantity`
Monetary value paid with points	`payments[]` → `Points.amount.value`
Remaining amount on card	`payments[]` → `CreditCard.amount.value`

Example: CreditCard only (no points used)

{
  "payments": [
    {
      "method": "CreditCard",
      "installments": 1,
      "amount": {
        "currency_code": "MXN",
        "value": 12500.00
      },
      "details": {
        "bin": "411111",
        "last_digits": "1111",
        "expiration_month": 12,
        "expiration_year": 2028,
        "brand_code": "VI",
        "brand_name": "Visa"
      },
      "payer": {
        "first_name": "JUAN",
        "last_name": "PEREZ",
        "email": "[email protected]"
      }
    },
    {
      "method": "Points",
      "quantity": 0,
      "amount": {
        "currency_code": "MXN",
        "value": 0
      }
    }
  ],
  "transaction": {
    "reference_id": "GCBTRK",
    "country_code": "MX",
    "total_amount": {
      "currency_code": "MXN",
      "value": 12500.00
    }
  }
}

Example: split payment (CreditCard + Points)

Card covers MXN 7500.00. Loyalty points cover MXN 5000.00 (e.g. 25000 points).

{
  "type": "Ecommerce",
  "buyer": {
    "first_name": "JUAN",
    "last_name": "PEREZ",
    "email": "[email protected]"
  },
  "device": {
    "session_id": "p286b342w1",
    "merchant_device": "p286b342w1"
  },
  "store": {
    "code": "AMX"
  },
  "items": [
    {
      "type": "Flight",
      "id": "GCBTRK-MEX_CUN_2026-08-01",
      "name": "MEX → CUN one way",
      "category": {
        "id": "AIR",
        "name": "Air tickets"
      },
      "quantity": 1,
      "price": {
        "currency_code": "MXN",
        "value": 12500.00
      },
      "itinerary_type": "ONEWAY",
      "route_type": "DOMESTIC",
      "passengers": [
        {
          "first_name": "JUAN",
          "last_name": "PEREZ",
          "email": "[email protected]"
        }
      ],
      "routes": [
        {
          "position": 0,
          "provider": "AM",
          "segments": [
            {
              "position": 0,
              "airline_code": "AM",
              "flight_number": 552,
              "flight_class": "ECONOMY",
              "departure": {
                "airport_code": "MEX",
                "date": "2026-08-01T18:05:00"
              },
              "arrival": {
                "airport_code": "CUN",
                "date": "2026-08-01T21:40:00"
              }
            }
          ]
        }
      ]
    }
  ],
  "payments": [
    {
      "method": "CreditCard",
      "installments": 1,
      "amount": {
        "currency_code": "MXN",
        "value": 7500.00
      },
      "details": {
        "bin": "411111",
        "last_digits": "1111",
        "expiration_month": 12,
        "expiration_year": 2028,
        "brand_code": "VI",
        "brand_name": "Visa"
      },
      "payer": {
        "first_name": "JUAN",
        "last_name": "PEREZ",
        "email": "[email protected]",
        "address": {
          "street": "Av. Reforma 123",
          "city": "CDMX",
          "state": "CDMX",
          "zip_code": "06600",
          "country_code": "MX"
        }
      }
    },
    {
      "method": "Points",
      "quantity": 25000,
      "amount": {
        "currency_code": "MXN",
        "value": 5000.00
      }
    }
  ],
  "transaction": {
    "reference_id": "GCBTRK",
    "business_id": "GCBTRK",
    "country_code": "MX",
    "channel": "Web",
    "total_amount": {
      "currency_code": "MXN",
      "value": 12500.00
    }
  }
}

Amount check: 7500.00 (card) + 5000.00 (points) = 12500.00 (transaction.total_amount).

Example: points-only balance on card = 0

When the order is fully paid with loyalty points:

{
  "payments": [
    {
      "method": "CreditCard",
      "installments": 1,
      "amount": {
        "currency_code": "MXN",
        "value": 0
      },
      "details": {
        "bin": "411111",
        "last_digits": "1111",
        "expiration_month": 12,
        "expiration_year": 2028,
        "brand_code": "VI",
        "brand_name": "Visa"
      },
      "payer": {
        "first_name": "JUAN",
        "last_name": "PEREZ",
        "email": "[email protected]"
      }
    },
    {
      "method": "Points",
      "quantity": 62500,
      "amount": {
        "currency_code": "MXN",
        "value": 12500.00
      }
    }
  ]
}

Prefer omitting a zero-amount method when your integration does not require both instruments on every request. Include both when the checkout always exposes card + points as part of the same payment attempt.

Antifraud — Multiple payment: CreditCard + Points