SDWO transactions

A SDWO (Staged Digital Wallet Operators) company offers e-wallet services, allowing the shopper to pay for a product or service through their own platform, with registered credit or debit cards or generating a QR Code.

To make transactions as a SDWO, the store needs to register it with the card brands. To do that, contact your commercial manager at Cielo for more information.

When the transactions at a SDWO e-commerce are made with a credit or debit card (not by QR Code), additional data is required so the card brands can identify this type of transaction. See the specifications below:

Besides the specific fields, for buying SDWO transactions it's required for you to send the Soft Descriptor (Payment.SoftDescriptor) and the shopper's CNPJ, if the shopper is a legal entity (fields Customer.Identity and Customer.IdentityType). See more details on the request fields table.

To run tests, you need to follow the Sandbox and tools.

To send the merchant's MCC in the SDWO transaction, the market guidance is to use the ABECS (Brazilian Association of Credit Card and Services Companies) table, which makes the equivalence of CNAEs for MCCS across the industry. This table is constantly updated and is available online on the Abecs website at the following link: ABECS.

Important: SDWO marking is only accepted for the following types and brands: Visa/Elo - credit and debit; Mastercard - credit and debit. Accepts foreign cards.

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Warning

For Visa transactions, the SDWO e-wallet should be located in the same country in which the seller receives their payment.

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",
      "AdditionalData": {
        "Mcc": "1234"
      }
    }
  }
}