API Overview

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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:
- What Mobile Device Data is Collected
- Using the Android SDK
  - Updating the Gradle Build Properties
  - Configuring the Android SDK
  - Setting Up the Initial Call
- Using the iOS SDK
  - Downloading and Importing the SDK
  - Configuring Your Build Environment
  - Configuring the iOS SDK
  - Setting Up the Initial Call
- 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

Payer Authentication Examples
- 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
- 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
  - Required Fields for Checking Enrollment in Payer Authentication
  - Optional Fields for Checking Enrollment in Payer Authentication
  - Simple Order Example: Checking Enrollment
- 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
  - Required Fields for Validating a Challenge
  - Optional Fields for Validating a Challenge
  - Simple Order Example: Validating a Challenge
- Validating a Challenge Using Digital Payment (Google Pay)
  - Required Fields for Validating a Challenge
  - Optional Fields for Validating a Challenge
  - Simple Order Example: Validating a Challenge When Using Google Pay
- 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
- Authentication with 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 with 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 with Tokenized Cards
  - Setting Up Device Data Collection with a Tokenized Card
    - Required Fields for Setting Up Device Data Collection with a Tokenized Card
  - Checking Enrollment with a Tokenized Card
    - Required Fields for Checking Enrollment When Using a Tokenized Card
- 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 when Checking Enrollment
  - 2.7: Error Occurs when Checking Enrollment
  - 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
- Payer Authentication Exemption Test Cases
  - 1a: Initial/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: Transaction Risk Analysis Exemption: Low Value: Mastercard EMV 3-D Secure 2.1 and 2.2
  - 3b: Transaction Risk Analysis: Low Value: Visa
  - 3c: Transaction Risk Analysis: Low Value: Discover
  - 3d: Acquirer Transaction Risk Analysis: Cartes Bancaires
  - 4a: Trusted Beneficiary Prompt for Trustlist
  - 4b: Utilize Trusted Beneficiary Exemption
  - 5a-1: Identity Check Insights (ScoreRequest = N)
  - 5a-2: Identity Check Insights (ScoreRequest = Y)
- HTTP Status Codes

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

Alternate Methods for Device Data Collection
- Device Data Collection Overview
  - Prerequisites
  - Endpoints
- Collecting Device Data
  - Card BIN in JWT
  - Card BIN as a POST Parameter Plus JWT

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

Payer Authentication Transaction Details in the Smartpay Fuse Portal
- Payer Authentication Search
- Storing Payer Authentication Data
- Searching for Payer Authentication Details
  - Enrolled Card
    - Enrollment Check
    - Authentication Validation
  - Card Not Enrolled
    - Transaction Details

Payer Authentication Reports
- Payer Authentication Summary Report
  - Downloading 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
  - ProofXML Element
  - VEReq Element
  - VERes Element
  - PAReq Element
  - PARes Element
  - AuthInfo Element
  - Report Examples

Reason Codes

Glossary

Payer Authentication Integrations

Payer authentication was designed to authenticate buyers during online transactions. During the early growth of internet transactions, e-commerce was conducted only on computers. Mobile phones had limited capabilities. When mobile phones (and tablets) could access the internet, online transactions quickly grew, and now they comprise almost half of all e-commerce transactions. A key part of updating the EMV 3-D Secure protocol from 1.0 to 2.0 was to ensure that payer authentication became available for e-commerce done on mobile devices.

Two types of payer authentication integration are available for merchants:

API for browser authentication from a computer.

SDK for authentication from mobile devices (available for Android and iOS). Contact support to obtain the SDK.

Payer Authentication supports message-level encryption. For more information, see Message Level Encryption.

Merchants should integrate payer authentication for online shopping on both types of devices. The next sections in this guide describe how to integrate payer authentication into those shopping experiences.

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