Web Service 3-D Secure Examples¶
Request and response examples for different payment scenarios can be viewed below.
3-D Secure 2.0 Examples¶
For more information regarding 3-D Secure 2.0, see What is 2-Step Authentication
3-D Secure 2.0 Frictionless Example¶
For a flow diagram see 3-D Secure 2.0 Frictionless
InitAuthRequest
<InitiateAuthenticationRequest>
<OrderInfo>
<OrderId>merchant_cert_970649</OrderId>
</OrderInfo>
<RequestInfo>
<TransactionChannel>Web Online</TransactionChannel>
<TimeoutSeconds>45</TimeoutSeconds>
</RequestInfo>
<MerchantInfo>
<MerchantId>1421168945</MerchantId>
</MerchantInfo>
<PayInfo>
<Amount>222</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
</PayInfo>
<MerchantUrl>https://example.com/authentication/result/</MerchantUrl>
<PaymentMethodInfo>
<PaymentMethod>UNKNOWN</PaymentMethod>
<BillingInfo>
<FullName>First Last</FullName>
</BillingInfo>
<CardInfo>
<CardNumber>CARD_NUMBER</CardNumber>
<ExpirationDate>YYYY-MM</ExpirationDate>
</CardInfo>
</PaymentMethodInfo>
</InitiateAuthenticationRequest>
InitAuthResponse
<InitiateAuthenticationResponse>
<MerchantId>1421168945</MerchantId>
<OrderId>merchant_cert_970649</OrderId>
<OrderAmount>0.00</OrderAmount>
<FulfillmentAmount>0.00</FulfillmentAmount>
<CapturedAmount>0.00</CapturedAmount>
<RefundedAmount>0.00</RefundedAmount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<Timestamp>2019-12-18T10:18:58.260+01:00</Timestamp>
<OrderState>Registered</OrderState>
<Capturable>false</Capturable>
<AuthenticationStatus>SUCCESSFUL</AuthenticationStatus>
<AuthenticationStatusDescription>Fully Authenticated, continue transaction</AuthenticationStatusDescription>
<AuthenticationVerificationValue>
<AuthenticationApplication>CardAuthenticationService</AuthenticationApplication>
</AuthenticationVerificationValue>
<AuthenticationRedirect/>
<TransactionResponse>
<TransactionId>10039711702</TransactionId>
<TransactionState>Processed</TransactionState>
<StatusCode>0</StatusCode>
<Description>Transaction successfully processed</Description>
<TransactionType>InitiateAuthentication</TransactionType>
<PaymentMethodType>Card</PaymentMethodType>
<PaymentMethodId>1001</PaymentMethodId>
<PaymentMethodName>Visa</PaymentMethodName>
<PaymentMethodCategory>Card</PaymentMethodCategory>
<Timestamp>2019-12-18T10:18:58.260+01:00</Timestamp>
<Amount>222.00</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<PosId>0</PosId>
</TransactionResponse>
<ThreeDSecureResult>
<Eci>5</Eci>
<Cavv>QUNTRU1Vem1PU1czMzUpPngwIy8=</Cavv>
<Xid>MDAwMDAwMDAwMTAwMzk3MTE3MDI=</Xid>
<AuthRequired>Y</AuthRequired>
<AuthenticationResult>Y</AuthenticationResult>
<AuthenticationProtocolVersion>3DS2.1.0</AuthenticationProtocolVersion>
<AuthenticationDsTransId>d9c36085-64e2-56a4-8000-00000000ae53</AuthenticationDsTransId>
</ThreeDSecureResult>
</InitiateAuthenticationResponse>
InitPaymentRequest
<InitiatePaymentRequest>
<OrderInfo>
<OrderId>merchant_cert_970649</OrderId>
</OrderInfo>
<RequestInfo>
<TransactionChannel>Web Online</TransactionChannel>
<TimeoutSeconds>45</TimeoutSeconds>
</RequestInfo>
<MerchantInfo>
<MerchantId>1421168945</MerchantId>
</MerchantInfo>
<PayInfo>
<Amount>222</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
</PayInfo>
<PaymentMethodInfo>
<PaymentMethod>UNKNOWN</PaymentMethod>
<BillingInfo>
<FullName>First Last</FullName>
</BillingInfo>
<CardInfo>
<CardNumber>CARD_NUMBER</CardNumber>
<ExpirationDate>YYYY-MM</ExpirationDate>
</CardInfo>
<CardVerificationInfo>
<CardAuthentication>
<ThreeDSecureData>
<Eci>5</Eci>
<Cavv>QUNTRU1Vem1PU1czMzUpPngwIy8=</Cavv>
<Xid>MDAwMDAwMDAwMTAwMzk3MTE3MDI=</Xid>
<AuthRequired>Y</AuthRequired>
<AuthenticationResult>Y</AuthenticationResult>
<AuthenticationProtocolVersion>3DS2.1.0</AuthenticationProtocolVersion>
<AuthenticationDsTransId>d9c36085-64e2-56a4-8000-00000000ae53</AuthenticationDsTransId>
</ThreeDSecureData>
</CardAuthentication>
</CardVerificationInfo>
</PaymentMethodInfo>
<AutoCapture>true</AutoCapture>
<ShippingInfo>
<CountryCode>SE</CountryCode>
<Phone>+46 8 612 12 12</Phone>
<MobilePhone>070123456789</MobilePhone>
<EmailAddress>name@server.top</EmailAddress>
<CareOf>careOf</CareOf>
</ShippingInfo>
</InitiatePaymentRequest>
InitPaymentResponse
<InitiatePaymentResponse>
<MerchantId>1421168945</MerchantId>
<OrderId>merchant_cert_970649</OrderId>
<OrderAmount>222.00</OrderAmount>
<FulfillmentAmount>222.00</FulfillmentAmount>
<CapturedAmount>222.00</CapturedAmount>
<RefundedAmount>0.00</RefundedAmount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<Timestamp>2019-12-18T10:18:58.260+01:00</Timestamp>
<OrderState>Paid</OrderState>
<Capturable>true</Capturable>
<TransactionResponse>
<TransactionId>10039711703</TransactionId>
<TransactionState>Processed</TransactionState>
<StatusCode>0</StatusCode>
<Description>Transaction successfully processed</Description>
<TransactionType>Debit</TransactionType>
<PaymentMethodType>Card</PaymentMethodType>
<PaymentMethodId>1001</PaymentMethodId>
<PaymentMethodName>Visa</PaymentMethodName>
<PaymentMethodCategory>Card</PaymentMethodCategory>
<FraudResult>
<Status>NOT SCREENED</Status>
<Code></Code>
<Message></Message>
</FraudResult>
<TransactionResult>
<CardTransactionResult>
<AvsResult>
<AnswerCode>2</AnswerCode>
<Response>I4</Response>
</AvsResult>
<AcquirerResponse>
<AnswerCode>100</AnswerCode>
<AuthorizationCode>654321</AuthorizationCode>
</AcquirerResponse>
</CardTransactionResult>
</TransactionResult>
<Timestamp>2019-12-18T10:18:58.260+01:00</Timestamp>
<Amount>222.00</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<PosId>0</PosId>
</TransactionResponse>
</InitiatePaymentResponse>
3-D Secure 2.0 Frictionless with 3DS Method Data Example¶
For a flow diagram see 3-D Secure 2.0 Frictionless with 3DS Method Data
InitAuthRequest
<InitiateAuthenticationRequest>
<OrderInfo>
<OrderId>merchant_cert_81f073</OrderId>
</OrderInfo>
<RequestInfo>
<TransactionChannel>Web Online</TransactionChannel>
<TimeoutSeconds>45</TimeoutSeconds>
</RequestInfo>
<MerchantInfo>
<MerchantId>1421168945</MerchantId>
</MerchantInfo>
<PayInfo>
<Amount>222</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
</PayInfo>
<MerchantUrl>https://example.com/authentication/result/</MerchantUrl>
<PaymentMethodInfo>
<PaymentMethod>UNKNOWN</PaymentMethod>
<BillingInfo>
<FullName>First Last</FullName>
</BillingInfo>
<CardInfo>
<CardNumber>CARD_NUMBER</CardNumber>
<ExpirationDate>YYYY-MM</ExpirationDate>
</CardInfo>
</PaymentMethodInfo>
</InitiateAuthenticationRequest>
InitAuthResponse
<InitiateAuthenticationResponse>
<MerchantId>1421168945</MerchantId>
<OrderId>merchant_cert_81f073</OrderId>
<OrderAmount>0.00</OrderAmount>
<FulfillmentAmount>0.00</FulfillmentAmount>
<CapturedAmount>0.00</CapturedAmount>
<RefundedAmount>0.00</RefundedAmount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<Timestamp>2019-12-18T10:44:20.014+01:00</Timestamp>
<OrderState>Registered</OrderState>
<Capturable>false</Capturable>
<AuthenticationStatus>CONTINUE</AuthenticationStatus>
<AuthenticationStatusDescription>Execute 3DS method and continue to authentication (XML API or SOAP only in
return EnrollmentRequest(initial) or ThreeDSMethodRequest).
</AuthenticationStatusDescription>
<AuthenticationVerificationValue>
<AuthenticationApplication>CardAuthenticationService</AuthenticationApplication>
</AuthenticationVerificationValue>
<AuthenticationRedirect/>
<TransactionResponse>
<TransactionId>10039711708</TransactionId>
<TransactionState>Processed</TransactionState>
<StatusCode>26029</StatusCode>
<Description>Continue with authentication</Description>
<TransactionType>InitiateAuthentication</TransactionType>
<PaymentMethodType>Card</PaymentMethodType>
<PaymentMethodId>1001</PaymentMethodId>
<PaymentMethodName>Visa</PaymentMethodName>
<PaymentMethodCategory>Card</PaymentMethodCategory>
<Timestamp>2019-12-18T10:44:20.014+01:00</Timestamp>
<Amount>222.00</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<PosId>0</PosId>
</TransactionResponse>
<ThreeDSecureResult>
<Xid>MDAwMDAwMDAwMTAwMzk3MTE3MDg=</Xid>
<AuthRequired>-</AuthRequired>
<AuthenticationResult>-</AuthenticationResult>
<AuthenticationProtocolVersion>3DS2.1.0</AuthenticationProtocolVersion>
<AuthenticationDsTransId>3be89d23-d7a0-5171-8000-00000000ae56</AuthenticationDsTransId>
<TDSMethodContent><iframe id="tdsMmethodTgtFrame" name="tdsMmethodTgtFrame" style="width: 1px;
height: 1px; display: none;" src="javascript:false;" xmlns="http://www.w3.org/1999/xhtml"> <!--.--></iframe><form
id="tdsMmethodForm" name="tdsMmethodForm"
action="https://dsx.modirum.com/dstests/ACSEmu2?handshake=1" method="post"
target="tdsMmethodTgtFrame" xmlns="http://www.w3.org/1999/xhtml"> <input type="hidden"
name="3DSMethodData"
value="eyAidGhyZWVEU1NlcnZlclRyYW5zSUQiIDogIjNiZTg5ZDIzLWQ3YTAtNTE3MS04MDAwLTAwMDAwMDAwYWU1NiIsICJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIiA6ICJodHRwczovLzM1LjIyOC44My4xNTcvL21kcGF5bXBpL01lcmNoYW50U2VydmVyP21uPVkmdHhpZD00NDYzMCZkaWdlc3Q9NVZWMDBzREdYeW1CY005NmFRQTZnNTk4UUd0aFVITEZWT01wb3I1RXlxayUzRCIgfQ"/>
<input type="hidden" name="threeDSMethodData"
value="eyAidGhyZWVEU1NlcnZlclRyYW5zSUQiIDogIjNiZTg5ZDIzLWQ3YTAtNTE3MS04MDAwLTAwMDAwMDAwYWU1NiIsICJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIiA6ICJodHRwczovLzM1LjIyOC44My4xNTcvL21kcGF5bXBpL01lcmNoYW50U2VydmVyP21uPVkmdHhpZD00NDYzMCZkaWdlc3Q9NVZWMDBzREdYeW1CY005NmFRQTZnNTk4UUd0aFVITEZWT01wb3I1RXlxayUzRCIgfQ"/></form><script
type="text/javascript"
xmlns="http://www.w3.org/1999/xhtml">document.getElementById("tdsMmethodForm").submit();</script>
</TDSMethodContent>
</ThreeDSecureResult>
</InitiateAuthenticationResponse>
ContinueAuthRequest
<ContinueAuthenticationRequest>
<OrderInfo>
<OrderId>modirum_3ds_10b29177</OrderId>
</OrderInfo>
<RequestInfo>
<TransactionChannel>Web Online</TransactionChannel>
<TimeoutSeconds>45</TimeoutSeconds>
</RequestInfo>
<MerchantInfo>
<MerchantId>1421168945</MerchantId>
<PosId>0</PosId>
<Mcc>8999</Mcc>
</MerchantInfo>
<ReferenceTransactionId>10039711708</ReferenceTransactionId>
</ContinueAuthenticationRequest>
ContinueAuthResponse
<ContinueAuthenticationResponse>
<MerchantId>1421168945</MerchantId>
<OrderId>modirum_3ds_10b29177</OrderId>
<OrderAmount>0.00</OrderAmount>
<FulfillmentAmount>0.00</FulfillmentAmount>
<CapturedAmount>0.00</CapturedAmount>
<RefundedAmount>0.00</RefundedAmount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<Timestamp>2019-12-18T10:44:20.014+01:00</Timestamp>
<OrderState>Registered</OrderState>
<Capturable>false</Capturable>
<AuthenticationStatus>SUCCESSFUL</AuthenticationStatus>
<AuthenticationStatusDescription>Fully Authenticated, continue transaction</AuthenticationStatusDescription>
<AuthenticationVerificationValue>
<AuthenticationApplication>CardAuthenticationService</AuthenticationApplication>
</AuthenticationVerificationValue>
<AuthenticationRedirect/>
<TransactionResponse>
<TransactionId>10039711709</TransactionId>
<TransactionState>Processed</TransactionState>
<StatusCode>0</StatusCode>
<Description>Transaction successfully processed</Description>
<TransactionType>ContinueAuthentication</TransactionType>
<PaymentMethodType>Card</PaymentMethodType>
<PaymentMethodId>1001</PaymentMethodId>
<PaymentMethodName>Visa</PaymentMethodName>
<PaymentMethodCategory>Card</PaymentMethodCategory>
<Timestamp>2019-12-18T10:44:20.014+01:00</Timestamp>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<PosId>0</PosId>
<RefTransactionId>10039711708</RefTransactionId>
</TransactionResponse>
<ThreeDSecureResult>
<Eci>5</Eci>
<Cavv>QUNTRU1VUGI6JU5Ee2BHN3goSCc=</Cavv>
<Xid>MDAwMDAwMDAwMTAwMzk3MTE3MDg=</Xid>
<AuthRequired>Y</AuthRequired>
<AuthenticationResult>Y</AuthenticationResult>
<AuthenticationProtocolVersion>3DS2.1.0</AuthenticationProtocolVersion>
<AuthenticationDsTransId>3be89d23-d7a0-5171-8000-00000000ae56</AuthenticationDsTransId>
</ThreeDSecureResult>
</ContinueAuthenticationResponse>
3-D Secure 2.0 Attempted Example¶
InitAuthRequest
<InitiateAuthenticationRequest>
<OrderInfo>
<OrderId>merchant_cert_bcef28</OrderId>
</OrderInfo>
<RequestInfo>
<TransactionChannel>Web Online</TransactionChannel>
<TimeoutSeconds>45</TimeoutSeconds>
</RequestInfo>
<MerchantInfo>
<MerchantId>1421168945</MerchantId>
</MerchantInfo>
<PayInfo>
<Amount>222</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
</PayInfo>
<MerchantUrl>https://example.com/authentication/result/</MerchantUrl>
<PaymentMethodInfo>
<PaymentMethod>UNKNOWN</PaymentMethod>
<BillingInfo>
<FullName>First Last</FullName>
</BillingInfo>
<CardInfo>
<CardNumber>CARD_NUMBER</CardNumber>
<ExpirationDate>YYYY-MM</ExpirationDate>
</CardInfo>
</PaymentMethodInfo>
</InitiateAuthenticationRequest>
InitAuthResponse
<InitiateAuthenticationResponse>
<MerchantId>1421168945</MerchantId>
<OrderId>merchant_cert_bcef28</OrderId>
<OrderAmount>0.00</OrderAmount>
<FulfillmentAmount>0.00</FulfillmentAmount>
<CapturedAmount>0.00</CapturedAmount>
<RefundedAmount>0.00</RefundedAmount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<Timestamp>2019-12-13T12:43:06.985+01:00</Timestamp>
<OrderState>Registered</OrderState>
<Capturable>false</Capturable>
<AuthenticationStatus>ATTEMPTED</AuthenticationStatus>
<AuthenticationStatusDescription>Attempt (Proof of authentication attempt, may continue to transaction)
</AuthenticationStatusDescription>
<AuthenticationVerificationValue>
<AuthenticationApplication>CardAuthenticationService</AuthenticationApplication>
</AuthenticationVerificationValue>
<AuthenticationRedirect/>
<TransactionResponse>
<TransactionId>10036415417</TransactionId>
<TransactionState>Processed</TransactionState>
<StatusCode>26007</StatusCode>
<Description>Authentication attempted</Description>
<TransactionType>InitiateAuthentication</TransactionType>
<PaymentMethodType>Card</PaymentMethodType>
<PaymentMethodId>1002</PaymentMethodId>
<PaymentMethodName>MasterCard</PaymentMethodName>
<PaymentMethodCategory>Card</PaymentMethodCategory>
<Timestamp>2019-12-13T12:43:06.985+01:00</Timestamp>
<Amount>222.00</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<PosId>0</PosId>
</TransactionResponse>
<ThreeDSecureResult>
<Eci>1</Eci>
<Cavv>hrkHhg3HlKhBCAEElHFvCBYAAAA=</Cavv>
<Xid>MDAwMDAwMDAwMTAwMzY0MTU0MTc=</Xid>
<AuthRequired>Y</AuthRequired>
<AuthenticationResult>A</AuthenticationResult>
<AuthenticationProtocolVersion>3DS2.1.0</AuthenticationProtocolVersion>
<AuthenticationDsTransId>a23e3c30-ee39-52ae-8000-000000009514</AuthenticationDsTransId>
</ThreeDSecureResult>
</InitiateAuthenticationResponse>
3-D Secure 2.0 Challenge Example¶
For a flow diagram see 3-D Secure 2.0 Challenge
InitAuthRequest
<InitiateAuthenticationRequest>
<OrderInfo>
<OrderId>merchant_cert_bcdcbf</OrderId>
</OrderInfo>
<RequestInfo>
<TransactionChannel>Web Online</TransactionChannel>
<TimeoutSeconds>45</TimeoutSeconds>
</RequestInfo>
<MerchantInfo>
<MerchantId>1421168945</MerchantId>
</MerchantInfo>
<PayInfo>
<Amount>1000</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
</PayInfo>
<MerchantUrl>https://example.com/authentication/result/</MerchantUrl>
<PaymentMethodInfo>
<PaymentMethod>UNKNOWN</PaymentMethod>
<BillingInfo>
<FullName>First Last</FullName>
</BillingInfo>
<CardInfo>
<CardNumber>CARD_NUMBER</CardNumber>
<ExpirationDate>YYYY-MM</ExpirationDate>
</CardInfo>
</PaymentMethodInfo>
</InitiateAuthenticationRequest>
InitAuthResponse
<InitiateAuthenticationResponse>
<MerchantId>1421168945</MerchantId>
<OrderId>merchant_cert_bcdcbf</OrderId>
<OrderAmount>0.00</OrderAmount>
<FulfillmentAmount>0.00</FulfillmentAmount>
<CapturedAmount>0.00</CapturedAmount>
<RefundedAmount>0.00</RefundedAmount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<Timestamp>2019-12-11T15:40:05.831+01:00</Timestamp>
<OrderState>Registered</OrderState>
<Capturable>false</Capturable>
<AuthenticationStatus>REQUIRED</AuthenticationStatus>
<AuthenticationStatusDescription>Pending (this code is not sent in red, internal, status only, except XML
API or SDK in challenge)
</AuthenticationStatusDescription>
<AuthenticationVerificationValue>
<AuthenticationApplication>CardAuthenticationService</AuthenticationApplication>
</AuthenticationVerificationValue>
<AuthenticationRedirect>
<Method>POST</Method>
<Url>https://dsx.modirum.com:443/dstests/ACSEmu2</Url>
<Parameters>
{"creq":"ewogICAiYWNzVHJhbnNJRCIgOiAiMDAwMDAwMDAtMDAwNS01YTVhLTgwMDAtMDE2ZWY1NjcyMDIxIiwKICAgImNoYWxsZW5nZVdpbmRvd1NpemUiIDogIjAzIiwKICAgIm1lc3NhZ2VUeXBlIiA6ICJDUmVxIiwKICAgIm1lc3NhZ2VWZXJzaW9uIiA6ICIyLjEuMCIsCiAgICJ0aHJlZURTU2VydmVyVHJhbnNJRCIgOiAiNTFiYTk4YWMtNjI0MS01ZTBlLTgwMDAtMDAwMDAwMDA5NGVlIgp9","TermUrl":"https://example.com/authentication/result/"}
</Parameters>
</AuthenticationRedirect>
<TransactionResponse>
<TransactionId>10034927900</TransactionId>
<TransactionState>Processed</TransactionState>
<StatusCode>26016</StatusCode>
<Description>Authentication required</Description>
<TransactionType>InitiateAuthentication</TransactionType>
<PaymentMethodType>Card</PaymentMethodType>
<PaymentMethodId>1001</PaymentMethodId>
<PaymentMethodName>Visa</PaymentMethodName>
<PaymentMethodCategory>Card</PaymentMethodCategory>
<Timestamp>2019-12-11T15:40:05.831+01:00</Timestamp>
<Amount>222.00</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<PosId>0</PosId>
</TransactionResponse>
<ThreeDSecureResult>
<Xid>MDAwMDAwMDAwMTAwMzQ5Mjc5MDA=</Xid>
<AuthRequired>Y</AuthRequired>
<AuthenticationResult>C</AuthenticationResult>
<AuthenticationProtocolVersion>3DS2.1.0</AuthenticationProtocolVersion>
<AuthenticationDsTransId>51ba98ac-6241-5e0e-8000-0000000094ee</AuthenticationDsTransId>
</ThreeDSecureResult>
</InitiateAuthenticationResponse
CompleteAuthRequest
<CompleteAuthenticationRequest>
<OrderInfo>
<OrderId>merchant_cert_bcdcbf</OrderId>
</OrderInfo>
<RequestInfo>
<TransactionChannel>Web Online</TransactionChannel>
<TimeoutSeconds>45</TimeoutSeconds>
</RequestInfo>
<MerchantInfo>
<MerchantId>1421168945</MerchantId>
</MerchantInfo>
<AuthenticationResultParameter>
ewogICAiYWNzUmVmZXJlbmNlTnVtYmVyIiA6ICJBQ1NFbXUyIiwKICAgImFjc1RyYW5zSUQiIDogIjAwMDAwMDAwLTAwMDUtNWE1YS04MDAwLTAxNmVmNTY3MjAyMSIsCiAgICJtZXNzYWdlVHlwZSIgOiAiQ1JlcyIsCiAgICJtZXNzYWdlVmVyc2lvbiIgOiAiMi4xLjAiLAogICAidGhyZWVEU1NlcnZlclRyYW5zSUQiIDogIjUxYmE5OGFjLTYyNDEtNWUwZS04MDAwLTAwMDAwMDAwOTRlZSIsCiAgICJ0cmFuc1N0YXR1cyIgOiAiWSIKfQ
</AuthenticationResultParameter>
<ReferenceTransactionId>10034927900</ReferenceTransactionId>
</CompleteAuthenticationRequest>
CompleteAuthResponse
<CompleteAuthenticationResponse>
<MerchantId>1421168945</MerchantId>
<OrderId>merchant_cert_bcdcbf</OrderId>
<OrderAmount>0.00</OrderAmount>
<FulfillmentAmount>0.00</FulfillmentAmount>
<CapturedAmount>0.00</CapturedAmount>
<RefundedAmount>0.00</RefundedAmount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<Timestamp>2019-12-11T15:40:05.831+01:00</Timestamp>
<OrderState>Registered</OrderState>
<Capturable>false</Capturable>
<AuthenticationStatus>SUCCESSFUL</AuthenticationStatus>
<AuthenticationStatusDescription>Fully Authenticated, continue transaction</AuthenticationStatusDescription>
<AuthenticationVerificationValue>
<AuthenticationApplication>CardAuthenticationService</AuthenticationApplication>
</AuthenticationVerificationValue>
<TransactionResponse>
<TransactionId>10034927901</TransactionId>
<TransactionState>Processed</TransactionState>
<StatusCode>0</StatusCode>
<Description>Transaction successfully processed</Description>
<TransactionType>CompleteAuthentication</TransactionType>
<PaymentMethodType>Card</PaymentMethodType>
<PaymentMethodId>1001</PaymentMethodId>
<PaymentMethodName>Visa</PaymentMethodName>
<PaymentMethodCategory>Card</PaymentMethodCategory>
<Timestamp>2019-12-11T15:40:05.831+01:00</Timestamp>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<PosId>0</PosId>
<RefTransactionId>10034927900</RefTransactionId>
</TransactionResponse>
<ThreeDSecureResult>
<Eci>5</Eci>
<Cavv>QUNTRU1VRkQwKWBILVU/PDBdLCo=</Cavv>
<Xid>MDAwMDAwMDAwMTAwMzQ5Mjc5MDA=</Xid>
<AuthRequired>Y</AuthRequired>
<AuthenticationResult>Y</AuthenticationResult>
<AuthenticationProtocolVersion>3DS2.1.0</AuthenticationProtocolVersion>
<AuthenticationDsTransId>51ba98ac-6241-5e0e-8000-0000000094ee</AuthenticationDsTransId>
</ThreeDSecureResult>
</CompleteAuthenticationResponse>
3-D Secure 2.0 Challenge with 3DS Method Data Example¶
For a flow diagram see 3-D Secure 2.0 Challenge with 3DS Method Data
InitAuthRequest
<InitiateAuthenticationRequest>
<OrderInfo>
<OrderId>cert_3ds_visa_0b7875</OrderId>
</OrderInfo>
<RequestInfo>
<TransactionChannel>Web Online</TransactionChannel>
<TimeoutSeconds>45</TimeoutSeconds>
</RequestInfo>
<MerchantInfo>
<MerchantId>1944155467</MerchantId>
<PosId>0</PosId>
<Mcc>8999</Mcc>
</MerchantInfo>
<PayInfo>
<Amount>565.95</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
</PayInfo>
<MerchantUrl>https://example.com/authentication/result/</MerchantUrl>
<PaymentMethodInfo>
<PaymentMethod>UNKNOWN</PaymentMethod>
<CardInfo>
<CardNumber>CARD_NUMBER</CardNumber>
<ExpirationDate>YYYY-MM</ExpirationDate>
</CardInfo>
<CardVerificationInfo />
<BankBillingInfo />
</PaymentMethodInfo>
<BrowserInfo />
<ThreeDSecureParameters>
<MessageCategory>01</MessageCategory>
<TransType>01</TransType>
</ThreeDSecureParameters>
</InitiateAuthenticationRequest>
InitAuthResponse
<InitiateAuthenticationResponse>
<MerchantId>1944155467</MerchantId>
<OrderId>cert_3ds_visa_0b7875</OrderId>
<OrderAmount>0.00</OrderAmount>
<FulfillmentAmount>0.00</FulfillmentAmount>
<CapturedAmount>0.00</CapturedAmount>
<RefundedAmount>0.00</RefundedAmount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<Timestamp>2020-03-25T13:38:05.273+01:00</Timestamp>
<OrderState>Registered</OrderState>
<Capturable>false</Capturable>
<AuthenticationStatus>CONTINUE</AuthenticationStatus>
<AuthenticationStatusDescription>Execute 3DS method and continue to authentication (XML API or SOAP only in return EnrollmentRequest(initial) or ThreeDSMethodRequest).</AuthenticationStatusDescription>
<AuthenticationVerificationValue>
<AuthenticationApplication>CardAuthenticationService</AuthenticationApplication>
</AuthenticationVerificationValue>
<AuthenticationRedirect />
<TransactionResponse>
<TransactionId>10044120602</TransactionId>
<TransactionState>Processed</TransactionState>
<StatusCode>26029</StatusCode>
<Description>Continue with authentication</Description>
<TransactionType>InitiateAuthentication</TransactionType>
<PaymentMethodType>Card</PaymentMethodType>
<PaymentMethodId>1001</PaymentMethodId>
<PaymentMethodName>Visa</PaymentMethodName>
<PaymentMethodCategory>Card</PaymentMethodCategory>
<Timestamp>2020-03-25T13:38:05.273+01:00</Timestamp>
<Amount>565.95</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<PosId>0</PosId>
</TransactionResponse>
<ThreeDSecureResult>
<Xid>MDAwMDAwMDAwMTAwNDQxMjA2MDI=</Xid>
<AuthRequired>-</AuthRequired>
<AuthenticationResult>-</AuthenticationResult>
<AuthenticationProtocolVersion>3DS2.1.0</AuthenticationProtocolVersion>
<AuthenticationDsTransId>7ada8345-5f9e-50e6-8000-0000000103c4</AuthenticationDsTransId>
<TDSMethodContent><iframe id="tdsMmethodTgtFrame" name="tdsMmethodTgtFrame" style="width: 1px; height: 1px; visibility: hidden;" src="javascript:false;" xmlns="http://www.w3.org/1999/xhtml"> <!--.--></iframe><form id="tdsMmethodForm" name="tdsMmethodForm" action="http://bowser.com/getdata" method="post" target="tdsMmethodTgtFrame" xmlns="http://www.w3.org/1999/xhtml"> <input type="hidden" name="3DSMethodData" value="eyAidGhyZWVEU1NlcnZlclRyYW5zSUQiIDogIjdhZGE4MzQ1LTVmOWUtNTBlNi04MDAwLTAwMDAwMDAxMDNjNCIsICJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIiA6ICJodHRwczovLzM1LjIyOC44My4xNTcvL21kcGF5bXBpL01lcmNoYW50U2VydmVyP21uPVkmdHhpZD02NjUwMCZkaWdlc3Q9ZnpiZHlvaWJGYkclMkI5bXR1YSUyRk9qeU9VdW51Y0olMkJiN2lxZVE5dERjczhBQSUzRCIgfQ"/> <input type="hidden" name="threeDSMethodData" value="eyAidGhyZWVEU1NlcnZlclRyYW5zSUQiIDogIjdhZGE4MzQ1LTVmOWUtNTBlNi04MDAwLTAwMDAwMDAxMDNjNCIsICJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIiA6ICJodHRwczovLzM1LjIyOC44My4xNTcvL21kcGF5bXBpL01lcmNoYW50U2VydmVyP21uPVkmdHhpZD02NjUwMCZkaWdlc3Q9ZnpiZHlvaWJGYkclMkI5bXR1YSUyRk9qeU9VdW51Y0olMkJiN2lxZVE5dERjczhBQSUzRCIgfQ"/></form><script type="text/javascript" xmlns="http://www.w3.org/1999/xhtml">document.getElementById("tdsMmethodForm").submit();</script></TDSMethodContent>
</ThreeDSecureResult>
</InitiateAuthenticationResponse>
ContinueAuthRequest
<ContinueAuthenticationRequest>
<OrderInfo>
<OrderId>cert_3ds_visa_0b7875</OrderId>
</OrderInfo>
<RequestInfo>
<TransactionChannel>Web Online</TransactionChannel>
<TimeoutSeconds>45</TimeoutSeconds>
</RequestInfo>
<MerchantInfo>
<MerchantId>1944155467</MerchantId>
<PosId>0</PosId>
<Mcc>8999</Mcc>
</MerchantInfo>
<ReferenceTransactionId>10044120602</ReferenceTransactionId>
</ContinueAuthenticationRequest>
ContinueAuthResponse
<ContinueAuthenticationResponse>
<MerchantId>1944155467</MerchantId>
<OrderId>cert_3ds_visa_0b7875</OrderId>
<OrderAmount>0.00</OrderAmount>
<FulfillmentAmount>0.00</FulfillmentAmount>
<CapturedAmount>0.00</CapturedAmount>
<RefundedAmount>0.00</RefundedAmount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<Timestamp>2020-03-25T13:38:05.273+01:00</Timestamp>
<OrderState>Registered</OrderState>
<Capturable>false</Capturable>
<AuthenticationStatus>REQUIRED</AuthenticationStatus>
<AuthenticationStatusDescription>Pending</AuthenticationStatusDescription>
<AuthenticationVerificationValue>
<AuthenticationApplication>CardAuthenticationService</AuthenticationApplication>
</AuthenticationVerificationValue>
<AuthenticationRedirect>
<Method>POST</Method>
<Url>http://10.233.58.19:9405/dummy-acs/challenge</Url>
<Parameters>{"creq":"ewogICAiYWNzVHJhbnNJRCIgOiAiOWY5MzlhODUtMGQ0Mi00OTcwLThmZGUtYTExM2I0YmQ4ZjUyIiwKICAgImNoYWxsZW5nZVdpbmRvd1NpemUiIDogIjAzIiwKICAgIm1lc3NhZ2VUeXBlIiA6ICJDUmVxIiwKICAgIm1lc3NhZ2VWZXJzaW9uIiA6ICIyLjEuMCIsCiAgICJ0aHJlZURTU2VydmVyVHJhbnNJRCIgOiAiN2FkYTgzNDUtNWY5ZS01MGU2LTgwMDAtMDAwMDAwMDEwM2M0Igp9","TermUrl":"https://example.com/authentication/result/"}</Parameters>
</AuthenticationRedirect>
<TransactionResponse>
<TransactionId>10044120603</TransactionId>
<TransactionState>Processed</TransactionState>
<StatusCode>26016</StatusCode>
<Description>Authentication required</Description>
<TransactionType>ContinueAuthentication</TransactionType>
<PaymentMethodType>Card</PaymentMethodType>
<PaymentMethodId>1001</PaymentMethodId>
<PaymentMethodName>Visa</PaymentMethodName>
<PaymentMethodCategory>Card</PaymentMethodCategory>
<Timestamp>2020-03-25T13:38:05.273+01:00</Timestamp>
<Amount>565.95</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<PosId>0</PosId>
<RefTransactionId>10044120602</RefTransactionId>
</TransactionResponse>
<ThreeDSecureResult>
<Xid>MDAwMDAwMDAwMTAwNDQxMjA2MDI=</Xid>
<AuthRequired>Y</AuthRequired>
<AuthenticationResult>C</AuthenticationResult>
<AuthenticationProtocolVersion>3DS2.1.0</AuthenticationProtocolVersion>
<AuthenticationDsTransId>7ada8345-5f9e-50e6-8000-0000000103c4</AuthenticationDsTransId>
</ThreeDSecureResult>
</ContinueAuthenticationResponse>
CompleteAuthRequest
<CompleteAuthenticationRequest>
<OrderInfo>
<OrderId>cert_3ds_visa_0b7875</OrderId>
</OrderInfo>
<RequestInfo>
<TransactionChannel>Web Online</TransactionChannel>
<TimeoutSeconds>45</TimeoutSeconds>
</RequestInfo>
<MerchantInfo>
<MerchantId>1944155467</MerchantId>
</MerchantInfo>
<AuthenticationResultParameter>ewogICJhY3NUcmFuc0lEIjogIjlmOTM5YTg1LTBkNDItNDk3MC04ZmRlLWExMTNiNGJkOGY1MiIsCiAgInRyYW5zU3RhdHVzIjogIlkiLAogICJtZXNzYWdlVHlwZSI6ICJDUmVzIiwKICAibWVzc2FnZVZlcnNpb24iOiAiMi4xLjAiLAogICJ0aHJlZURTU2VydmVyVHJhbnNJRCI6ICI3YWRhODM0NS01ZjllLTUwZTYtODAwMC0wMDAwMDAwMTAzYzQiCn0=</AuthenticationResultParameter>
<ReferenceTransactionId>10044120602</ReferenceTransactionId>
</CompleteAuthenticationRequest>
CompleteAuthResponse
<CompleteAuthenticationResponse>
<MerchantId>1944155467</MerchantId>
<OrderId>cert_3ds_visa_0b7875</OrderId>
<OrderAmount>0.00</OrderAmount>
<FulfillmentAmount>0.00</FulfillmentAmount>
<CapturedAmount>0.00</CapturedAmount>
<RefundedAmount>0.00</RefundedAmount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<Timestamp>2020-03-25T13:38:05.273+01:00</Timestamp>
<OrderState>Registered</OrderState>
<Capturable>false</Capturable>
<AuthenticationStatus>SUCCESSFUL</AuthenticationStatus>
<AuthenticationStatusDescription>Fully Authenticated, continue transaction</AuthenticationStatusDescription>
<AuthenticationVerificationValue>
<AuthenticationApplication>CardAuthenticationService</AuthenticationApplication>
</AuthenticationVerificationValue>
<TransactionResponse>
<TransactionId>10044120604</TransactionId>
<TransactionState>Processed</TransactionState>
<StatusCode>0</StatusCode>
<Description>Transaction successfully processed</Description>
<TransactionType>CompleteAuthentication</TransactionType>
<PaymentMethodType>Card</PaymentMethodType>
<PaymentMethodId>1001</PaymentMethodId>
<PaymentMethodName>Visa</PaymentMethodName>
<PaymentMethodCategory>Card</PaymentMethodCategory>
<Timestamp>2020-03-25T13:38:05.273+01:00</Timestamp>
<Amount>565.95</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<PosId>0</PosId>
<RefTransactionId>10044120602</RefTransactionId>
</TransactionResponse>
<ThreeDSecureResult>
<Eci>5</Eci>
<Cavv>P28TUZ+685zm/brgjwbhV0nGbHo=</Cavv>
<Xid>MDAwMDAwMDAwMTAwNDQxMjA2MDI=</Xid>
<AuthRequired>Y</AuthRequired>
<AuthenticationResult>Y</AuthenticationResult>
<AuthenticationProtocolVersion>3DS2.1.0</AuthenticationProtocolVersion>
<AuthenticationDsTransId>7ada8345-5f9e-50e6-8000-0000000103c4</AuthenticationDsTransId>
</ThreeDSecureResult>
</CompleteAuthenticationResponse>
3-D Secure 1.0 Examples¶
For more information regarding 3-D Secure 1.0, see What is 2-Step Authentication
3-D Secure 1.0 Challenge Example¶
For a flow diagram see 3-D Secure 1.0 Challenge
InitAuthRequest
<InitiateAuthenticationRequest>
<OrderInfo>
<OrderId>merchant_cert_0d960e</OrderId>
</OrderInfo>
<RequestInfo>
<TransactionChannel>Web Online</TransactionChannel>
<TimeoutSeconds>45</TimeoutSeconds>
</RequestInfo>
<MerchantInfo>
<MerchantId>1421168945</MerchantId>
</MerchantInfo>
<PayInfo>
<Amount>222</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
</PayInfo>
<MerchantUrl>https://example.com/authentication/result/</MerchantUrl>
<PaymentMethodInfo>
<PaymentMethod>UNKNOWN</PaymentMethod>
<BillingInfo>
<FullName>First Last</FullName>
</BillingInfo>
<CardInfo>
<CardNumber>CARD_NUMBER</CardNumber>
<ExpirationDate>YYYY-MM</ExpirationDate>
</CardInfo>
</PaymentMethodInfo>
</InitiateAuthenticationRequest>
InitAuthResponse
<InitiateAuthenticationResponse>
<MerchantId>1421168945</MerchantId>
<OrderId>merchant_cert_0d960e</OrderId>
<OrderAmount>0.00</OrderAmount>
<FulfillmentAmount>0.00</FulfillmentAmount>
<CapturedAmount>0.00</CapturedAmount>
<RefundedAmount>0.00</RefundedAmount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<Timestamp>2019-12-13T16:46:12.812+01:00</Timestamp>
<OrderState>Registered</OrderState>
<Capturable>false</Capturable>
<AuthenticationStatus>REQUIRED</AuthenticationStatus>
<AuthenticationStatusDescription>Pending (this code is not sent in red, internal, status only, except XML
API or SDK in challenge)
</AuthenticationStatusDescription>
<AuthenticationVerificationValue>
<AuthenticationApplication>CardAuthenticationService</AuthenticationApplication>
</AuthenticationVerificationValue>
<AuthenticationRedirect>
<Method>POST</Method>
<Url>https://3ds-acs.test.modirum.com/mdpayacs/pareq</Url>
<Parameters>
{"MD":"","PaReq":"eJxVUdtuwjAM/RXEBzSXlnKRscTWh/EA4raHPaEqsUYnmkLaDtjXLymlbJEi+fjkOPYx7A6WKNmSqi0hLKgs00/qZXraX23W4UgM4z7CarahM8I32TIrDIqABxLYAzqVVYfUVAipOr/Mlxg1B1gLISc7T1DIMBrEwO4ITJoT5oXObJ0DaxCoojaVvaEMQ2APALU94qGqTuWEsUthj/qYGQpU4WSeAvZsYFX7qHSlrpnGRTK7dHfn7s8HX3zNb8vdegrMvwCdVoSSi7GQIuyJwSSKJ8K13uQhzX0P+L5NelLKgHM30z0FJ//T7A4c56m/KXCGWjLqhqPIUR0Cup4KQ14ErItBU6kwb8fYK7LVnutxzMl14ilgz8le37zRqnImDuNRzMNIeKubhC+feQO5EE19D4B5CWu3yNolu+jf8n8B17WtKw\u003d\u003d","TermUrl":"https://example.com/authentication/result/"}
</Parameters>
</AuthenticationRedirect>
<TransactionResponse>
<TransactionId>10036422254</TransactionId>
<TransactionState>Processed</TransactionState>
<StatusCode>26016</StatusCode>
<Description>Authentication required</Description>
<TransactionType>InitiateAuthentication</TransactionType>
<PaymentMethodType>Card</PaymentMethodType>
<PaymentMethodId>1001</PaymentMethodId>
<PaymentMethodName>Visa</PaymentMethodName>
<PaymentMethodCategory>Card</PaymentMethodCategory>
<Timestamp>2019-12-13T16:46:12.812+01:00</Timestamp>
<Amount>222.00</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<PosId>0</PosId>
</TransactionResponse>
<ThreeDSecureResult>
<Xid>MDAwMDAwMDAwMTAwMzY0MjIyNTQ=</Xid>
<AuthRequired>Y</AuthRequired>
<AuthenticationProtocolVersion>3DS1.0.2</AuthenticationProtocolVersion>
</ThreeDSecureResult>
</InitiateAuthenticationResponse>
CompleteAuthRequest
<CompleteAuthenticationRequest>
<OrderInfo>
<OrderId>merchant_cert_0d960e</OrderId>
</OrderInfo>
<RequestInfo>
<TransactionChannel>Web Online</TransactionChannel>
<TimeoutSeconds>45</TimeoutSeconds>
</RequestInfo>
<MerchantInfo>
<MerchantId>1421168945</MerchantId>
</MerchantInfo>
<AuthenticationResultParameter>
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
</AuthenticationResultParameter>
<ReferenceTransactionId>10036422254</ReferenceTransactionId>
</CompleteAuthenticationRequest>
CompleteAuthResponse
<CompleteAuthenticationResponse>
<MerchantId>1421168945</MerchantId>
<OrderId>merchant_cert_0d960e</OrderId>
<OrderAmount>0.00</OrderAmount>
<FulfillmentAmount>0.00</FulfillmentAmount>
<CapturedAmount>0.00</CapturedAmount>
<RefundedAmount>0.00</RefundedAmount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<Timestamp>2019-12-13T16:46:12.812+01:00</Timestamp>
<OrderState>Registered</OrderState>
<Capturable>false</Capturable>
<AuthenticationStatus>SUCCESSFUL</AuthenticationStatus>
<AuthenticationStatusDescription>Fully Authenticated, continue transaction</AuthenticationStatusDescription>
<AuthenticationVerificationValue>
<AuthenticationApplication>CardAuthenticationService</AuthenticationApplication>
</AuthenticationVerificationValue>
<TransactionResponse>
<TransactionId>10036422255</TransactionId>
<TransactionState>Processed</TransactionState>
<StatusCode>0</StatusCode>
<Description>Transaction successfully processed</Description>
<TransactionType>CompleteAuthentication</TransactionType>
<PaymentMethodType>Card</PaymentMethodType>
<PaymentMethodId>1001</PaymentMethodId>
<PaymentMethodName>Visa</PaymentMethodName>
<PaymentMethodCategory>Card</PaymentMethodCategory>
<Timestamp>2019-12-13T16:46:12.812+01:00</Timestamp>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<PosId>0</PosId>
<RefTransactionId>10036422254</RefTransactionId>
</TransactionResponse>
<ThreeDSecureResult>
<Eci>5</Eci>
<Cavv>AAABBlQDQQAAAAB2hgNBAAAAAAA=</Cavv>
<Xid>MDAwMDAwMDAwMTAwMzY0MjIyNTQ=</Xid>
<AuthRequired>Y</AuthRequired>
<AuthenticationResult>Y</AuthenticationResult>
<AuthenticationProtocolVersion>3DS1.0.2</AuthenticationProtocolVersion>
</ThreeDSecureResult>
</CompleteAuthenticationResponse>
3-D Secure 1.0 Not Required Example¶
InitAuthRequest
<InitiateAuthenticationRequest>
<OrderInfo>
<OrderId>merchant_cert_abea36</OrderId>
</OrderInfo>
<RequestInfo>
<TransactionChannel>Web Online</TransactionChannel>
<TimeoutSeconds>45</TimeoutSeconds>
</RequestInfo>
<MerchantInfo>
<MerchantId>1421168945</MerchantId>
</MerchantInfo>
<PayInfo>
<Amount>222</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
</PayInfo>
<MerchantUrl>https://example.com/authentication/result/</MerchantUrl>
<PaymentMethodInfo>
<PaymentMethod>UNKNOWN</PaymentMethod>
<BillingInfo>
<FullName>First Last</FullName>
</BillingInfo>
<CardInfo>
<CardNumber>CARD_NUMBER</CardNumber>
<ExpirationDate>YYYY-MM</ExpirationDate>
</CardInfo>
</PaymentMethodInfo>
</InitiateAuthenticationRequest>
InitAuthResponse
<InitiateAuthenticationResponse>
<MerchantId>1421168945</MerchantId>
<OrderId>merchant_cert_abea36</OrderId>
<OrderAmount>0.00</OrderAmount>
<FulfillmentAmount>0.00</FulfillmentAmount>
<CapturedAmount>0.00</CapturedAmount>
<RefundedAmount>0.00</RefundedAmount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<Timestamp>2019-12-17T21:17:59.299+01:00</Timestamp>
<OrderState>Registered</OrderState>
<Capturable>false</Capturable>
<AuthenticationStatus>NOT_REQUIRED</AuthenticationStatus>
<AuthenticationStatusDescription>Not enrolled (3DS1 only, may continue to transaction)
</AuthenticationStatusDescription>
<AuthenticationVerificationValue>
<AuthenticationApplication>CardAuthenticationService</AuthenticationApplication>
</AuthenticationVerificationValue>
<AuthenticationRedirect/>
<TransactionResponse>
<TransactionId>10039711673</TransactionId>
<TransactionState>Processed</TransactionState>
<StatusCode>26015</StatusCode>
<Description>Card not enrolled in the 3-D Secure program</Description>
<TransactionType>InitiateAuthentication</TransactionType>
<PaymentMethodType>Card</PaymentMethodType>
<PaymentMethodId>1001</PaymentMethodId>
<PaymentMethodName>Visa</PaymentMethodName>
<PaymentMethodCategory>Card</PaymentMethodCategory>
<Timestamp>2019-12-17T21:17:59.299+01:00</Timestamp>
<Amount>222.00</Amount>
<Currency>
<AlphabeticCode>USD</AlphabeticCode>
</Currency>
<PosId>0</PosId>
</TransactionResponse>
<ThreeDSecureResult>
<Xid>MDAwMDAwMDAwMTAwMzk3MTE2NzM=</Xid>
<AuthRequired>N</AuthRequired>
<AuthenticationResult>-</AuthenticationResult>
<AuthenticationProtocolVersion>3DS1.0.2</AuthenticationProtocolVersion>
</ThreeDSecureResult>
</InitiateAuthenticationResponse>
Resources¶
Test Cards for testing the different payment scenarios above, and what different status they will simulate, can be found under Test Data.