Visa Secure {#payments-processing-pa-visa-intro} ================================================ Visa Secure is the authentication service in the Visa card network that uses the 3-D Secure protocol to authenticate customers at checkout. This authentication is a two-step process. First, the cardholder is authenticated by 3-D Secure. Then, the transaction is authorized based on the 3-D Secure evaluation. This section explains how to authorize a card payment based on the 3-D Secure evaluation. Before implementing Visa Secure, contact customer support to have your account configured for this feature. Fields Specific to the Visa Secure Use Case ------------------------------------------- These API fields are required specifically for this use case. processingInformation.commerceIndicator : Set the value to `vbv` for a successful authentication (3-D Secure value of `05`), `vbv_attempted` if authentication was attempted but did not succeed (3-D Secure value of `06`), or `vbv_failure` if authentication failed (3-D Secure value of `07`). consumerAuthenticationInformation.cavv : Required when payer authentication is successful. Endpoint {#payments-processing-pa-visa-intro_d7e16} --------------------------------------------------- **Production:** `POST ``https://api.visaacceptance.com``/pts/v2/payments`{#payments-processing-pa-visa-intro_d7e25} **Test:** `POST ``https://apitest.visaacceptance.com``/pts/v2/payments`{#payments-processing-pa-visa-intro_d7e35} Required Fields for Processing an Authorization Using Visa Secure {#payments-processing-pa-visa-reqfields} ========================================================================================================== > IMPORTANT > When relaxed requirements for address data and the expiration date are being used, not all fields in this list are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. For details about relaxed requirements, see [Relaxed Requirements for Address Data and Expiration Date in a Payment](/docs/vas/en-us/payments/developer/ctv/rest/payments/payments-relax-reqs.md ""). [clientReferenceInformation.code](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-code.md "") : [consumerAuthenticationInformation.cavv](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-cavv-a.md "") : This field is required when payer authentication is successful. Otherwise, this field is optional. [consumerAuthenticationInformation.xid](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-xid.md "") : [orderInformation.amountDetails.currency](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-currency.md "") [orderInformation.amountDetails.totalAmount](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-total-amount.md "") : [orderInformation.billTo.address1](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-address1.md "") : [orderInformation.billTo.administrativeArea](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-admin-area.md "") : [orderInformation.billTo.country](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-country.md "") : [orderInformation.billTo.email](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-email.md "") : [orderInformation.billTo.firstName](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-first-name.md "") : [orderInformation.billTo.lastName](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-last-name.md "") : [orderInformation.billTo.locality](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-locality.md "") : [orderInformation.billTo.postalCode](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-postal-code.md "") : [paymentInformation.card.expirationMonth](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-mo.md "") : [paymentInformation.card.expirationYear](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-year.md "") : [paymentInformation.card.number](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-number.md "") : [paymentInformation.card.type](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-type-a.md "") : [processingInformation.commerceIndicator](https://developer.visaacceptance.com/docs/vas/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-commerce-ind.md "") : Set this field to one of these values: * `vbv`: Successful authentication (EMV `3-D Secure` value of `05`). * `vbv_attempted`: Authentication was attempted (EMV `3-D Secure`value of `06`). * `vbv_failure`: or `internet`: Authentication failed or was not attempted (EMV `3-D Secure` value of `07`). {#payments-processing-pa-visa-reqfields_ul_ztw_km1_jxb} REST Example: Validating and Authorizing a Transaction {#payments-processing-pa-visa-ex-rest} ============================================================================================= Request ``` { "clientReferenceInformation": { "code": "test" }, "processingInformation": { "capture": "true", "authorizationOptions": { "ignoreAvsResult": "true" }, "actionList": [ "VALIDATE_CONSUMER_AUTHENTICATION" ] }, "paymentInformation": { "card": { "expirationYear": "2031", "number": "4XXXXXXXXXXX25X3", "securityCode": "123", "expirationMonth": "12", "type": "001" } }, "orderInformation": { "amountDetails": { "totalAmount": "100.00", "currency": "GBP" }, "billTo": { "firstName": "John", "lastName": "Smith", "address1": "201 S. Division St._1", "address2": "Suite 500", "locality": "Foster City", "administrativeArea": "CA", "postalCode": "94404", "country": "US", "email": "accept@email.com", "phoneNumber": "6504327113" } }, "consumerAuthenticationInformation": { "authenticationTransactionId": "2b4eAa4K3H778X34Ciy0" } } ``` Response to a Successful Request ``` { "_links": { "void": { "method": "POST", "href": "/pts/v2/payments/7478305945626990404807/voids" }, "self": { "method": "GET", "href": "/pts/v2/payments/7478305945626990404807" } }, "clientReferenceInformation": { "code": "test" }, "consumerAuthenticationInformation": { "indicator": "vbv", "eciRaw": "05", "authenticationResult": "0", "strongAuthentication": { "OutageExemptionIndicator": "0" }, "authenticationStatusMsg": "Success", "eci": "05", "token": "Axj//wSTlWZX08jkcOTHAAIU3YMmzhgzcN2ie/LXsgSgKe/LXsgS50OnEFBWGTSTL0Yua1eAwHScqzK+nkcjhyY4wDi0", "cavv": "AAIBBYNoEwAAACcKhAJkdQAAAAA=", "paresStatus": "Y", "xid": "AAIBBYNoEwAAACcKhAJkdQAAAAA=", "directoryServerTransactionId": "fa628ed8-ad77-4723-b28f-91952eaca8fe", "threeDSServerTransactionId": "71399671-8456-4c97-b056-e127622a5e26", "specificationVersion": "2.2.0", "acsTransactionId": "5f9fb589-08cc-4952-866d-30939868f411" }, "id": "7478305945626990404807", "orderInformation": { "amountDetails": { "totalAmount": "100.00", "authorizedAmount": "100.00", "currency": "GBP" } }, "paymentAccountInformation": { "card": { "brandName": "VISA", "type": "001" } }, "paymentInformation": { "tokenizedCard": { "type": "001" }, "card": { "bin": "400000", "type": "VISA" } }, "pointOfSaleInformation": { "terminalId": "12345678" }, "processorInformation": { "paymentAccountReferenceNumber": "V0010013018036776997406844475", "merchantNumber": "12345678", "approvalCode": "100", "cardVerification": { "resultCodeRaw": "3", "resultCode": "2" }, "merchantAdvice": { "code": "00", "codeRaw": "0" }, "networkTransactionId": "123456789012345", "transactionId": "123456789012345", "responseCode": "0", "avs": { "code": "U", "codeRaw": "00" } }, "reconciliationId": "7026803874", "status": "AUTHORIZED", "submitTimeUtc": "2025-05-21T12:29:54Z" } ```