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Implementing Direct API for Payer Authentication

The Direct API integrates EMV 3-D Secure 2.x into your business's website. This integration uses an iframe to complete the device profiling and EMV 3-D Secure authentication requirements without including third-party JavaScript directly on your site.

This implementation requires the use of JavaScript to leverage the authentication. The JavaScript is hosted and contained inside the iframe and does not directly access your web page.

IMPORTANT

Payer Authentication uses Cardinal Centinel as the technology platform to manage all EMV 3-D Secure authentication processes. Any references to Cardinal in this document refer to the underlying services that are provided by Cardinal technology.

Prerequisites

Notify your account representative that you want to implement payer authentication (3-D Secure) using the Direct API integration. Provide the merchant ID that you will use for testing. For more information, see Required Merchant Information.

Before you can implement payer authentication services, your business team must contact

your acquirer and

Visa Acceptance Solutions to establish the service. Your software development team should become familiar with the API fields and technical details of this service.

After Implementation and Before Go Live

Use the test cases to test your preliminary code and make appropriate changes. See Testing Payer Authentication. Testing ensures that your account is configured for production and that your transactions are processed quickly and correctly.