SDWO

Staged Digital Wallet Operators (SDWO) are digital wallets that allow the storage of payment information and the execution of online transactions.

Check out the request examples for SDWOs of each category accepted in Cielo e-commerce:

• SDWO for fund transfer arrangement :
  • Me2Me - transfer to the same holder
  • P2P - transfer to another holder
  • Transfer to another arrangement
  • Unidentified boleto
  • Identified boleto
  • Toll

For of e-commerce transactions from an SDWO with a credit or debit card (not originated by a QR Code), it is necessary for the wallet to send some additional data in the transaction so that the card brands can identify and differentiate this type of transaction.

⚠️

In addition to the specific fields for this modality, for SDWO purchase transactions it is also mandatory to send:

• Soft Descriptor (field Payment.SoftDescriptor);
• Holder's CNPJ, if a legal entity (fields Customer.Identity and Customer.IdentityType);
• Company name (CompanyName).

To test SDWO transactions, you must follow the guidelines in the Sandbox and tools menu.

To send the merchant's MCC in the SDWO transaction, the market guidance is to use the Abecs table (Brazilian Association of Credit Card and Services Companies), which maps CNAEs to MCCs for the entire industry. This table is constantly updated and is available online on the ABECS website at the following link: https://abecs.org.br/portal-mcc

ℹ️

For SDWO transactions with identified and unidentified boleto of the Mastercard brand, the MCC must be 6540.

Brands and cards accepted for SDWO

The SDWO marking is only accepted for the following modalities and brands:

Foreign cards are accepted.

⚠️

Attention

For the Visa brand, the SDWO digital wallet must be located in the same country as the merchant receiving the payment from the digital wallet.

Request

{
    "MerchantOrderId": "2012345678",
    "Customer": {
        "Name": "Comprador Carteira",
        "Identity": "11225468954",
        "IdentityType": "CPF"
    },
    "Payment": {
        "Type": "CreditCard",
        "Amount": 15700,
        "Installments": 1,
        "SoftDescriptor": "CARTEIRA*NOMELOJA",
        "CreditCard": {
            "CardNumber": "4532110000001234",
            "Brand": "Visa",
            "SecurityCode": "123"
        },
        "Wallet": {
            "PlatformOperator": "ABC",
            "ReceiverData": {
                "Name": "NOME CLIENTE RECEBEDOR",
                "Identity": "11225468954",
                "CompanyName": "NOME RAZAO SOCIAL"
            },
            "AdditionalData": {
                "Mcc": "1234"
            }
        }
    }
}