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Authorizing Apple Pay Digital Wallet Payments (with 
Elavon
)

Elavon
 supports Apple Pay digital wallet transactions. An Apple Pay digital wallet uses
tokenization
 to prevent sensitive card data from being exposed or intercepted during transactions. A token is generated when a user adds a supported card to their Apple Pay digital wallet.
Elavon
 supports 3-D Secure 2.2 with Diners Club, Mastercard, and Visa card transactions.
IMPORTANT
Elavon
 does not support the 3-D Secure 2.2 protocol if it is used with
network tokens
 or
digital payment
.
Barclays
 will decline any transaction processed by
Elavon
 that uses both 3-D Secure 2.2 and either network tokens or digital payments.
This section shows you how to request authorization of a Apple Pay digital wallet payment:

Authorizing an Apple Pay Digital Wallet Payment without 3-D Secure

The topics in this section show to how to authorize an Apple Pay digital wallet payment without 3-D Secure authentication:
  • Basic steps
  • Required fields
  • Mastercard example
  • Common error responses and resolutions
When 3-D Secure is not used, the transaction ID is automatically populated with the cryptogram value
For general information about basic authorizations, see the "Standard Payments Processing" section of the .

Basic Steps to Authorize an Apple Pay Digital Wallet Payment without 3-D Secure

  1. Follow these steps to request an Apple Pay payment on a supported card without 3-D Secure authentication:
  2. Create the request message with the required
    REST
     API fields.
  3. Send the message to one of these endpoints:
    • Production:
      POST
      https://api.smartpayfuse.barclaycard
      /pts/v2/payments
    • Test:
      POST
      https://api.smartpayfuse-test.barclaycard
      /pts/v2/payments
  4. Verify the response messages to make sure that the request was successful.

    ADDITIONAL INFORMATION

    A 200-level HTTP response code indicates success. See the .
  5. If the response message contain errors, see Common Error Responses for Transactions without 3-D Secure.

Required Fields to Authorize an Apple Pay Digital Wallet Payment without 3-D Secure

These REST API fields are required to request authorization of an Apple Pay Digital Wallet payment without 3-D Secure authentication.
clientReferenceInformation.code
merchantInformation.merchantId
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.administrativeArea
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.phoneNumber
orderInformation.billTo.postalCode
paymentInformation.tokenizedCard.cryptogram
Set the value to the network token cryptogram from Apple Pay.
paymentInformation.tokenizedCard.expirationMonth
paymentInformation.tokenizedCard.expirationYear
paymentInformation.tokenizedCard.transactionType
Set the value to
1
 for network tokens.
paymentInformation.tokenizedCard.type
Set the value to the card type code. Possible values:
  • 001
     for Visa
  • 002
     for Mastercard
  • 005
     for Diners Club
processingInformation.commerceIndicator
Set the value to
internet
 for a Diners Club, Discover, and Visa card for an authorization request without 3-D Secure authentication.
processingInformation.paymentSolution
Set the value to
001
 for Apple Pay in-app and web transactions.

Diners Club Example: Authorize an Apple Pay Digital Wallet Payment without 3-D Secure

Request
{
  "clientReferenceInformation": {
    "code": "DINERS-NO3DS-APPLEPAY-002"
  }, 
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "89.99",
      "currency": "USD"
    },
    "billTo": {
      "firstName": "Maria",
      "lastName": "Garcia",
      "address1": "123 Main Street",
      "locality": "San Francisco",
      "administrativeArea": "CA",
      "postalCode": "94105",
      "country": "US",
      "email": "[email protected]",
      "phoneNumber": "415-555-0123"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "cryptogram": "BgAAAAAABk4DWZ4C28yUQAAAAAA=",
      "transactionType": "1",
      "expirationMonth": "11",
      "expirationYear": "2026",
      "type": "005"
    }
  },
  "processingInformation": {
    "paymentSolution": "001",
    "commerceIndicator": "internet"
  },
  "merchantInformation": {
    "merchantId": "demo_merchant_12345"
  }
}

Common Error Responses for Transactions without 3-D Secure

This topic lists common error responses to transaction requests without 3-D Secure authentication.
3DS ECI provided for non-3DS transaction
Cause: Invalid e-commerce indicator for a transaction that does not use 3-D Secure.
Resolution: Make sure the
processingInformation.commerceIndicator
 field is set to
internet
 to indicate a transaction without 3-D Secure authentication. You could also omit the field from your request and let the gateway assign the value.
Authentication data present in non-3DS transaction
Cause: Conflicting authentication data.
Resolution: Remove the cardholder authentication data, which is used for transactions with 3-D Secure:
  • Remove the
    consumerAuthenticationInformation. cavv
     field (for Diners Club or Visa cards).
  • Remove the
    consumerAuthenticationInformation. ucafAuthenticationData
     field (for Mastercard only).
Digital wallet transaction missing required cryptogram
Cause: Missing or invalid cryptogram.
Resolution: Make sure the
paymentInformation.tokenizedCard.cryptogram
 field is populated with the correct value.

Authorizing an Apple Pay Digital Wallet Payment with 3-D Secure

The topics in this section show to how to authorize an Apple Pay digital wallet payment with 3-D Secure authentication:
  • Basic steps
  • Required fields
  • Diners Club example
For general information about basic authorizations, see the "Standard Payments Processing" section of the .

Basic Steps to Authorize an Apple Pay Digital Wallet Payments with 3-D Secure

  1. Follow these steps to authorize an Apple Pay payment on Mastercard with 3-D Secure authentication:
  2. Create the request message with the required
    REST
     API fields.
    • Use the API fields listed in Required Fields to Authorize an Apple Pay Digital Wallet Payment with 3-D Secure.
      These REST API fields are specific to this payload:
      • merchantInformation.merchantDomain
      • consumerAuthenticationInformation.cavv
        —Diners Club and Visa only
      • consumerAuthenticationInformation.ucafAuthenticationData
        —Mastercard only
      • consumerAuthenticationInformation.ucafCollectionIndicator
        —Mastercard only
      • paymentInformation.tokenizedCard.cryptogram
      • paymentInformation.tokenizedCard.transactionType
      • paymentInformation.tokenizedCard.type
      • processingInformation.commerceIndicator
      • processingInformation.paymentSolution
      • processingInformation.paymentNetworkTokenTransactionType
    • Refer to the example Visa Card Example: Authorize an Apple Pay Digital Wallet Payment with 3-D Secure.
      IMPORTANT
      The example is based on a Visa card transaction. Set these fields to the appropriate values based on the card type:
      • paymentInformation.tokenizedCard.type
      • processingInformation.commerceIndicator
  3. Send the message to one of these endpoints:
    • Production:
      POST
      https://api.smartpayfuse.barclaycard
      /pts/v2/payments
    • Test:
      POST
      https://api.smartpayfuse-test.barclaycard
      /pts/v2/payments
  4. Verify the response messages to make sure that the request was successful.

    ADDITIONAL INFORMATION

    A 200-level HTTP response code indicates success. See the .

Required Fields to Authorize an Apple Pay Digital Wallet Payment with 3-D Secure

These REST API fields are required to request authorization of an Apple Pay digital wallet payment with 3-D Secure authentication.
clientReferenceInformation.code
consumerAuthenticationInformation.cavv
For Diners Club and Visa cards only—Set this value to the universal cardholder authentication number to indicate 3-D Secure authentication.
consumerAuthenticationInformation.directoryServerTransactionId
consumerAuthenticationInformation.paSpecificationVersion
consumerAuthenticationInformation.ucafAuthenticationData
For Mastercard transactions only—Set this value to the universal cardholder authentication field (UCAF) data to indicate 3-D Secure authentication.
consumerAuthenticationInformation.ucafCollectionIndicator
For Mastercard transactions only—Set this field to one of these values:
2
: UCAF collection is supported on your website and the UCAF was populated. This value indicates a successful Mastercard Identity Check transaction.
6
: UCAF collection is supported on your website and the UCAF was populated based on the risk assessment that you performed. This value is supported only for Masterpass transactions.
merchantInformation.merchantId
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.phoneNumber
orderInformation.billTo.postalCode
paymentInformation.tokenizedCard.cryptogram
Set the value to the network token cryptogram from Apple Pay.
paymentInformation.tokenizedCard.expirationMonth
paymentInformation.tokenizedCard.expirationYear
paymentInformation.tokenizedCard.transactionType
Set the value to
1
.
paymentInformation.tokenizedCard.type
Set the value to the card type code. Possible values:
  • 001
     for Visa
  • 002
     for Mastercard
  • 005
     for Diners Club
processingInformation.commerceIndicator
Set the value to the code for the 3-D Secure authentication service. Possible values:
  • pb
     for 3-D Secure authentication by Diners Club ProtectBuy
  • spa
     for 3-D Secure authentication by Mastercard Identity Check
  • vbv
     for 3-D Secure authentication by Visa Secure
processingInformation.paymentSolution
Set the value to
001
 for Apple Pay in-app and web transactions.

Visa Card Example: Authorize an Apple Pay Digital Wallet Payment with 3-D Secure

Request
{
  "clientReferenceInformation": {
    "code": "VISA-3DS-APPLEPAY-006"
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "199.00",
      "currency": "EUR"
    },
    "billTo": {
      "firstName": "Pierre",
      "lastName": "Dubois",
      "address1": "15 Rue de la Paix",
      "locality": "Paris",
      "postalCode": "75001",
      "country": "FR",
      "email": "[email protected]",
      "phoneNumber": "+33-1-42-96-12-34"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "cryptogram": "BwABBJQ0AgAAAAAgJDUCAAAAAAA=",
      "transactionType": "1",
      "expirationMonth": "08",
      "expirationYear": "2027",
      "type": "001"
    }
  },
  "consumerAuthenticationInformation": {
    "cavv": "BgABBJQ0AgAAAAAgJDUCAAAAAA=",
    "directoryServerTransactionId": "8a2+89r+vs8fsc8w+v+79y==",
    "paSpecificationVersion": "2.2.0"
  },
  "processingInformation": {
    "paymentSolution": "001",
    "commerceIndicator": "vbv"
  },
  "merchantInformation": {
    "merchantId": "demo_merchant_12345"
  }
}
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