API Overview

Recent Revisions to This Document

Payer Authentication Developer Guide
- VISA Platform Connect: Specifications and Conditions for Resellers/Partners

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

Step 1: Setup Service

Step 2: Device Data Collection

Step 3: Payer Authentication Check Enrollment Service

Step 4: Step-Up Iframe

Step 5: Payer Authentication Validation Service

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
- Using the iOS SDK
- Running Payer Authentication with SDK

Authentication Examples Using Primary Account Numbers
- Setting Up Device Data Collection
- Checking Enrollment in Payer Authentication
- Checking Enrollment and Authorizing a Transaction
- Validating a Challenge
- Validating and Authorizing a Transaction
- Non-Payment Authentication

Examples Using 3-D Secure Data Only
- Visa Data Only
- Mastercard Data Only

Authentication Examples Using Digital Payment (Google Pay)
- Setting Up Device Data Collection Using Digital Payment (Google Pay)
- Checking Enrollment in Payer Authentication Using Digital Payment (Google Pay)
  - pa2-use-check-enroll-reqd-fields-google
  - pa2-use-check-enroll-opt-fields-google
  - REST Example: Checking Enrollment in Payer Authentication Using Google Pay
- Validating a Challenge Using Digital Payment (Google Pay)
  - pa2-use-validate-reqd-fields-google
  - pa2-use-validation-opt-fields-google
  - REST Example: Validating a Challenge When Using Google Pay

Authentication Examples Using TMS Tokens
- Setting Up Device Data Collection with a TMS Token
- Checking Enrollment When Using a TMS Token
- 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
- Checking Enrollment When Using a Flex Microform Token
- 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
- Checking Enrollment with a Network Token/Tokenized Card

Authentication Examples of Merchant-Initiated Transactions
- Challenge Reponses to 3RI Transactions
- Network-Specific Values for Multi-Party Commerce/Online Travel Agency (OTA)
- 1a: Initial Recurring Transaction
- 1b: Recurring Payments - Subsequent Transaction (Mastercard)
- 2a: Installment - Customer Initiated Transaction (Mastercard)
- 3a: Split/Partial Shipment (Mastercard)
- 3b: Split/Delayed Shipment (Mastercard)
- 4a: Multi-Party Commerce or OTA (Visa)
- 4b: Multi-Party Commerce or OTA (MasterCard)
- 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
  - 3d: Acquirer TRA: Cartes Bancaires
  - 4a: Trusted Beneficiary Prompt for Trustlist
  - 4b: Use Trusted Beneficiary Exemption
  - 5a: Visa Data Only
  - 5b: Identity Check Insights (ScoreRequest = Y)

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

Finding Payer Authentication Transaction Details in the Business Center
- Searching for Transactions
- Storing Payer Authentication Data
- Searching for Payer Authentication Details
  - Enrolling a Card
  - Card Not Enrolled

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

HTTP Status Codes

Glossary

On This Page

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.

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