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

<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>
<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>
<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>
<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

<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>
<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>&lt;iframe id="tdsMmethodTgtFrame" name="tdsMmethodTgtFrame" style="width: 1px;
            height: 1px; display: none;" src="javascript:false;" xmlns="http://www.w3.org/1999/xhtml"> &lt;!--.-->&lt;/iframe>&lt;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"> &lt;input type="hidden"
            name="3DSMethodData"
            value="eyAidGhyZWVEU1NlcnZlclRyYW5zSUQiIDogIjNiZTg5ZDIzLWQ3YTAtNTE3MS04MDAwLTAwMDAwMDAwYWU1NiIsICJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIiA6ICJodHRwczovLzM1LjIyOC44My4xNTcvL21kcGF5bXBpL01lcmNoYW50U2VydmVyP21uPVkmdHhpZD00NDYzMCZkaWdlc3Q9NVZWMDBzREdYeW1CY005NmFRQTZnNTk4UUd0aFVITEZWT01wb3I1RXlxayUzRCIgfQ"/>
            &lt;input type="hidden" name="threeDSMethodData"
            value="eyAidGhyZWVEU1NlcnZlclRyYW5zSUQiIDogIjNiZTg5ZDIzLWQ3YTAtNTE3MS04MDAwLTAwMDAwMDAwYWU1NiIsICJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIiA6ICJodHRwczovLzM1LjIyOC44My4xNTcvL21kcGF5bXBpL01lcmNoYW50U2VydmVyP21uPVkmdHhpZD00NDYzMCZkaWdlc3Q9NVZWMDBzREdYeW1CY005NmFRQTZnNTk4UUd0aFVITEZWT01wb3I1RXlxayUzRCIgfQ"/>&lt;/form>&lt;script
            type="text/javascript"
            xmlns="http://www.w3.org/1999/xhtml">document.getElementById("tdsMmethodForm").submit();&lt;/script>
        </TDSMethodContent>
    </ThreeDSecureResult>
</InitiateAuthenticationResponse>
<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>
<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

<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>
<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

<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>
<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
<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>
<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

<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>
<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>&lt;iframe id="tdsMmethodTgtFrame" name="tdsMmethodTgtFrame" style="width: 1px; height: 1px; visibility: hidden;" src="javascript:false;" xmlns="http://www.w3.org/1999/xhtml">    &lt;!--.-->&lt;/iframe>&lt;form id="tdsMmethodForm" name="tdsMmethodForm" action="http://bowser.com/getdata" method="post" target="tdsMmethodTgtFrame" xmlns="http://www.w3.org/1999/xhtml">    &lt;input type="hidden" name="3DSMethodData" value="eyAidGhyZWVEU1NlcnZlclRyYW5zSUQiIDogIjdhZGE4MzQ1LTVmOWUtNTBlNi04MDAwLTAwMDAwMDAxMDNjNCIsICJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIiA6ICJodHRwczovLzM1LjIyOC44My4xNTcvL21kcGF5bXBpL01lcmNoYW50U2VydmVyP21uPVkmdHhpZD02NjUwMCZkaWdlc3Q9ZnpiZHlvaWJGYkclMkI5bXR1YSUyRk9qeU9VdW51Y0olMkJiN2lxZVE5dERjczhBQSUzRCIgfQ"/>    &lt;input type="hidden" name="threeDSMethodData" value="eyAidGhyZWVEU1NlcnZlclRyYW5zSUQiIDogIjdhZGE4MzQ1LTVmOWUtNTBlNi04MDAwLTAwMDAwMDAxMDNjNCIsICJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIiA6ICJodHRwczovLzM1LjIyOC44My4xNTcvL21kcGF5bXBpL01lcmNoYW50U2VydmVyP21uPVkmdHhpZD02NjUwMCZkaWdlc3Q9ZnpiZHlvaWJGYkclMkI5bXR1YSUyRk9qeU9VdW51Y0olMkJiN2lxZVE5dERjczhBQSUzRCIgfQ"/>&lt;/form>&lt;script type="text/javascript" xmlns="http://www.w3.org/1999/xhtml">document.getElementById("tdsMmethodForm").submit();&lt;/script></TDSMethodContent>
    </ThreeDSecureResult>
</InitiateAuthenticationResponse>
<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>
<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>
<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>
<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

<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>
<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>
<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>
<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

<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>
<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.