Ingenico: APC_040 "Merchant Data Invalid Or Missing" response for tokenised MIT transactions : Apexx Global

This article explains how to resolve an APC_040 error response you may encounter when processing payment requests through Ingenico.

  "reason_code": "APC_040",
    "reason_message": "Merchant data invalid or missing",

This response may be returned if

1. The payment request uses a token, and

2. The recurring_type flag is set to "mit"

Ingenico expects a value for "customer ID" in card-on-file payment requests flagged as merchant-initiated.

You will need to include a value for customer_id in the customer block of the payment request:

 "customer" : {
               "customer_id" : "Customer123"
    }

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