API Overview

Recent Revisions to This Document

Payer Authentication Developer Guide

Introduction to Payer Authentication
- Why Payer Authentication Is Needed
- EMV 3-D Secure 2.0
- Payer Authentication Customer Workflow
- Payer Authentication Merchant Workflow
- Acquirer Information
- Enable Merchant Account for EMV 3-D Secure
- Payer Authentication Configuration Testing
- Request Endpoints
- Payer Authentication Integrations

Implementing Direct API for Payer Authentication
- Prerequisites
- After Implementation and Before Go Live

Step 1: Setup Service
- Request Fields
- Important Response Fields

Step 2: Device Data Collection
- Which Device Data is Collected
- Building the Iframe
- Initiating the Device Data Collection Iframe
- Submitting the Device Data Collection Iframe
- Receiving the Device Data Collection URL Response

Step 3: Payer Authentication Check Enrollment Service
- Request Fields
- Interpreting the Check Enrollment Response
- Important Response Fields

Step 4: Step-Up Iframe
- Building the Iframe Parameters
- Creating the Iframe
- Invoking the Iframe
- Receiving the Step-Up Results

Step 5: Payer Authentication Validation Service
- Request Fields
- Interpreting the Validation Response
- Redirecting Customers to Pass or Fail Message Page

Combining the Authentication and the Authorization Services
- Combining Check Enrollment and the Authorization Services
  - Check Enrollment Response Fields and Their Equivalent Authorization Request Fields
- Combining the Validation and the Authorization Services
  - Validation Fields and their Equivalent Authorization Fields

Implementing SDK Payer Authentication
- Implementation Overview
- Process Flow for SDK Integration
- Prerequisites for SDK Implementation
  - Credentials/API Keys
    - Generating your API Key:
- Mobile Device Data Collected
- Using the Android SDK
  - Updating the Gradle Build Properties
  - Configuring the Android SDK
  - Setting Up the Initial Request
- Using the iOS SDK
  - Downloading and Importing the SDK
  - Configuring Your Build Environment
  - Configuring the iOS SDK
  - Setting Up the Initial Request
- Running Payer Authentication with SDK
  - Requesting the Check Enrollment Service (SDK)
  - Interpreting the Response
  - Authenticating Enrolled Cards
    - Calling Cardinal.cca_continue (Android SDK)
    - Calling Cardinal session continue (iOS SDK)
    - Receiving the Authentication Results
  - Requesting the Validation Service
    - Interpreting the Response
    - Redirecting Customers to the Message Page

Authentication Examples Using Primary Account Numbers
- Setting Up Device Data Collection
  - Required Fields for Device Data Collection
  - Optional Fields for Device Data Collection
  - Simple Order Example: Setting Up Device Data Collection
- Checking Enrollment in Payer Authentication
  - Required Fields for Checking Enrollment in Payer Authentication
  - Optional Fields for Checking Enrollment in Payer Authentication
  - Simple Order Example: Checking Enrollment
- Checking Enrollment and Authorizing in Payer Authentication
  - Required Fields for Checking Enrollment in Payer Authentication
- Validating a Challenge
  - Required Fields for Validating a Challenge
  - Optional Fields for Validating a Challenge
  - Simple Order Example: Validating a Challenge
- Validating and Authorizing a Transaction
  - Required Fields for Processing an Authorization Using Visa Secure
  - Optional Fields for Validating a Challenge
  - Simple Order Example: Validating and Authorizing an Authorization
- Non-Payment Authentication
  - Required Fields for Checking Enrollment in Payer Authentication

Examples Using 3-D Secure Data Only
- Visa Data Only
  - Required Fields for Visa Data Only
  - Simple Order Example: Testing Visa Data Only
  - Simple Order Example: Bundled Authentication and Authorization with Visa Data Only
- Mastercard Data Only
  - Required Fields for Mastercard Data Only
  - Simple Order Example: Mastercard Data Only
  - Simple Order Example: Bundled Authentication and Authorization with Mastercard Data Only

Authentication Examples Using Digital Payment (Google Pay)
- Setting Up Device Data Collection Using Digital Payment (Google Pay)
  - Required Fields for Device Data Collection
  - Optional Fields for Device Data Collection
  - Simple Order Example: Setting Up Device Data Collection When Using Google Pay
- Checking Enrollment in Payer Authentication Using Digital Payment (Google Pay)
  - Required Fields for Checking Enrollment in Payer Authentication
  - Optional Fields for Checking Enrollment in Payer Authentication
  - Simple Order Example: Checking Enrollment in Payer Authentication Using Google Pay
- Validating a Challenge Using Digital Payment (Google Pay)
  - Required Fields for Validating Payer Authentication
  - Optional Fields for Validating a Challenge
  - Simple Order Example: Validating a Challenge When Using Google Pay

Authentication Examples Using TMS Tokens
- Setting Up Device Data Collection with a TMS Token
  - Required Fields for Setting Up Data Collection When Using a TMS Token
- Checking Enrollment When Using a TMS Token
  - Required Fields for Checking Enrollment in Payer Authentication While Using a TMS Token
- Validating a Challenge When Using a TMS Token
  - Required Fields for Validating a Challenge When Using a TMS Token

Authentication Examples Using Flex Microform Tokens
- Setting Up Device Data Collection When Using a Flex Microform Token
  - Required Fields for Setting Up Device Data Collection When Using a Flex Microform Token
- Checking Enrollment When Using a Flex Microform Token
  - Required Fields for Checking Enrollment When Using a Flex Microform Token
- Validating a Challenge When Using a Flex Microform Token
  - Required Fields for Validating a Challenge When Using a Flex Microform Token

Authentication Examples Using Network Token/Tokenized Cards
- Setting Up Device Data Collection with a Network Token/Tokenized Card
  - Required Fields for Setting Up Device Data Collection with a Network Token/Tokenized Card
- Checking Enrollment with a Network Token/Tokenized Card
  - Required Fields for Checking Enrollment When Using a Network Token/Tokenized Card

Authentication Examples of Merchant-Initiated Transactions
- Challenge Reponses to 3RI Transactions
- Network-Specific Values for 3RI
- 1a: Initial Recurring Transaction
  - Required Fields for 3RI 1a: Initial Recurring Transaction
- 1b: Recurring Payments - Subsequent Transaction (Mastercard)
  - Required Fields for 3RI 1b: Recurring Payments - Subsequent Transaction (Mastercard)
- 2a: Installment - Customer Initiated Transaction (Mastercard)
  - Required Fields for 3RI 2a: Installment - Customer Initiated Transaction (Mastercard)
- 3a: Split/Partial Shipment (Mastercard)
  - Required Fields for 3RI 3a: Split/Partial Shipment (Mastercard)
- 3b: Split/Delayed Shipment (Visa)
  - Required Fields for 3RI 3b: Split/Delayed Shipment (Visa)
- 4a: Multi-Party Commerce or OTA (Visa)
  - Required Fields for 3RI 4a: Multi-Party Commerce or OTA (Visa)
- 4b: Multi-Party Commerce or OTA (MasterCard)
  - Required Fields for 3RI 4b: Multi-Party Commerce or OTA (MasterCard)
- 4c: Multi-Party Commerce or OTA (MasterCard)
  - Required Fields for 3RI 4c: Multi-Party Commerce or OTA (MasterCard)

Testing Payer Authentication
- Testing Process
  - Enrollment Check Response Fields
  - Authentication Validation Response Fields
- Test Cases for 3-D Secure 2.x
  - 2.1: Frictionless Authentication Is Successful
  - 2.2: Frictionless Authentication Is Unsuccessful
  - 2.3: Stand-In Frictionless Authentication is Attempted
  - 2.4: Frictionless Authentication Is Unavailable
  - 2.5: Frictionless Authentication Is Rejected
  - 2.6: Authentication Is Not Available
  - 2.7: Check Enrollment Error
  - 2.8: Time Out
  - 2.9: Step-Up Authentication Is Successful
  - 2.10: Step-Up Authentication Is Unsuccessful
  - 2.11: Step-Up Authentication Is Unavailable
  - 2.12: Error During Authentication
  - 2.13: Authentication Is Bypassed
  - 2.14: Require Method URL
- Additional Test Cases
  - 1a: First Recurring Transaction: Fixed Amount
  - 2a: Card Authentication Failed
  - 2b: Suspected Fraud
  - 2c: Cardholder Not Enrolled in Service
  - 2d: Transaction Timed Out at the ACS
  - 2e: Non-Payment Transaction Not Supported
  - 2f: 3RI Transaction Not Supported
  - 3a: TRA Exemption—Low Value: Mastercard EMV 3-D Secure 2.1 and 2.2
  - 3b: TRA—Low Value: Visa
  - 3c: TRA—Low Value: Discover
  - 4a: Trusted Beneficiary Prompt for Trustlist
  - 4b: Utilize Trusted Beneficiary Exemption
  - 5a: Visa Data Only
  - 5b: Identity Check Insights (ScoreRequest = Y)
- HTTP Status Codes

Website Modification Reference
- Website Modification Checklist
- EMV 3-D Secure Service Logos
- Informational Message Examples

Upgrading Your Payer Authentication Implementation
- Benefits
- PSD2 Impact
  - Mandates
- Recommended Integration
- Migrating from EMV 3-D Secure 1.x to 2.x FAQ

Finding Payer Authentication Transaction Details in the Smartpay Fuse Portal
- Searching for Transactions
- Storing Payer Authentication Data
- Searching for Payer Authentication Details
  - Enrolling a Card
    - Checking Enrollment
    - Authentication Validation
  - Card Not Enrolled
    - Transaction Details

Payer Authentication Reports
- Payer Authentication Summary Report
  - Download the Report
  - Matching the Report to the Transaction Search Results
  - Interpreting the Report
  - Comparing Payer Authentication and Payment Reports
- Payer Authentication Detail Report
  - Report Element
  - PayerAuthDetail Element
  - PAReq Element
  - PARes Element
  - AuthInfo Element
  - Report Examples

Reason Codes

Glossary

On This Page

5b: Identity Check Insights (ScoreRequest = Y)

This request is for Mastercard Data Only authentication.

Card Type	Test Card Number
Mastercard Card Type = 002	520000 00 0000 1005

Required Fields for Check Enrollment

Message Category =

80

Optional Fields for Check Enrollment

Score Request =

Y

Merchant Reason Code =

A

Results for the Check Enrollment Service

Reason code

=

100

PAResStatus =

U

CAVV = <CAVV value>

ECI =

04

StatusReason =

80

ThreeDSVersion = <ThreeDSVersion value>

Optional Results for the Check Enrollment Service (if ScoreRequest =
Y
)

IDCI_Score =

9

IDCI_Decisions =

not low risk

IDCI_ReasonCode1 =

A

IDCI_ReasonCode2 =

GG

Results for the Authentication Result

Reason code

=

100

Action

Append the ECI and Directory Server transaction ID values to the authorization message.

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