Authenticate

POST pci.ravelin.com/3ds/authenticate

This endpoint allows you to provide customer and transaction data related to the 3DS authentication. Ravelin will use this data to produce the AReq message and initiate 3DS authentication with the customer’s card issuer.

Authenticate Request

timestamp integer
required

A unix timestamp preferably as an integer count of milliseconds since 1970-01-01T00:00 UTC.

Example: 1512828988826
customerId string
optional

The unique identifier for the customer used on the Checkout endpoint. Required if you want to associate the 3D Secure authentication with the customer.

Example: "123-abc-XYZ"
transactionId string
optional

The unique identifier for the transaction used on the Checkout endpoint. Required if you want to associate the 3D Secure authentication with the transaction.

Example: "123-abc-XYZ"
paymentMethod object
1.0.2 2.1.0 2.2.0
APP BRW 3RI
conditional

The card being used for the transaction, encrypted using the Ravelin card encryption SDK.

See Submission of Encrypted Card Details for more information.

Conditions:

Either paymentMethod or areqData.pan must be provided.

cardCiphertext string
required

The card ciphertext produced by the Ravelin card encryption SDK.

This field constitutes cardholder data. Submission of this field requires PCI DSS SAQ-A or SAQ-AEP certification.

Please see our PCI DSS Compliance Guide for more information.</p>

aesKeyCiphertext string
required

The AES key ciphertext produced by the Ravelin card encryption SDK .

algorithm string
required

The algorithm used to generate the ciphertexts.

Example: "RSA_WITH_AES_256_GCM"
ravelinSDKVersion string
optional

The version of the Ravelin mobile or JavaScript SDK that performed the encryption.

Example: "0.0.13-ravelinjs"
keyIndex integer
optional

The index of the public RSA key used to encrypt the card.

keySignature string
optional

An identifier for the public RSA key used to encrypt the card.

areqData object
required

Customer and transaction data used to perform the 3DS authentication. Although many of these fields are optional, the more you can provide, the higher the chance of receiving a Frictionless authentication.

messageVersion string
1.0.2 2.1.0 2.2.0
APP BRW 3RI
required

The 3DS protocol version to be used for the 3DS authentication. We recommend using the latest 3DS version, 2.2.0, we will fall-back to an earlier version if 2.2.0 isn't available. You should populate fields according to the messageVersion which you select.

Options:
1.0.2
2.1.0
2.2.0
messageCategory string
2.1.0 2.2.0
APP BRW 3RI
required

Identifies whether this is a payment or non-payment 3DS authentication. For example, a non-payment 3DS authentication may be used when a customer adds a card to their account, but does not make a purchase.

Options:
01 Payment authentication (PA)
02 Non-payment authentication (NPA)
deviceChannel string
2.1.0 2.2.0
APP BRW 3RI
required

Indicates the channel being used to initiate the authentication.

Options:
01 App-based (APP)
02 Browser (BRW)
03 3DS Requestor Initiated (3RI)
threeDSServerTransID string
2.1.0 2.2.0
APP BRW 3RI
conditional

Universally unique transaction identifier assigned by the 3DS Server to identify a single transaction.

Example: "c5584543-b67e-5117-bb34-3567ac6a1123"
Conditions:

Required when deviceChannel is Browser, and a threeDSServerTransID has already been returned in the Version Response. In this case the same threeDSServerTransID should be used.

purchaseAmount string
1.0.2 2.1.0 2.2.0
APP BRW 3RI
conditional

Purchase amount in minor units of currency with all punctuation removed.

Example: "10000"
Conditions:

Required for Payment Authentications (PA). Required for Non-Payment Authentications (NPA) when threeDSRequestorAuthenticationInd is Recurring transaction (<code>02</code>) or Instalment transaction ("03").

purchaseCurrency string
1.0.2 2.1.0 2.2.0
APP BRW 3RI
conditional

Currency in which purchaseAmount is expressed (ISO 4217 three-digit numeric currency code).

Example: "826"
Conditions:

Required for Payment Authentications (PA). Required for Non-Payment Authentications (NPA) when threeDSRequestorAuthenticationInd is Recurring transaction ("02") or Instalment transaction ("03").

purchaseExponent string
1.0.2 2.1.0 2.2.0
APP BRW 3RI
conditional

Minor units of currency as specified in the ISO 4217 currency exponent.

Example: "2"
Conditions:

Required for Payment Authentications (PA). Required for Non-Payment Authentications (NPA) when threeDSRequestorAuthenticationInd is Recurring transaction ("02") or Instalment transaction ("03").

purchaseDate string
2.1.0 2.2.0
APP BRW 3RI
conditional

Date and time of the purchase expressed in UTC.

Format: YYYYMMDDhhmmss
Conditions:

Required for Payment Authentications (PA). Required for Non-Payment Authentications (NPA) when threeDSRequestorAuthenticationInd is Recurring transaction ("02") or Instalment transaction ("03").

pan string
1.0.2 2.1.0 2.2.0
APP BRW 3RI
conditional

The Primary Account Number (PAN) of the card being used for the transaction. If EMV Tokenisation is supported, this may be an EMV Payment Token instead of a PAN.

This field is cardholder data. Submission of this field requires PCI DSS SAQ-D certification.

Please see our PCI DSS documentation for more information.

Example: "4900000000001234"
Conditions:

Either a pan or a client side encrypted payment method must be provided

cardExpiryDate string
1.0.2 2.1.0 2.2.0
APP BRW 3RI
optional

Expiry date of the PAN or token.

Format: YYMM
Example: "2105"
threeDSCompInd string
2.1.0 2.2.0
BRW
required

Indicates whether the 3DS Method successfully completed.

Options:
Y Successfully completed
N Did not successfully complete
U Unavailable - the 3DS Method URL was not present in the Version Response
threeDSRequestorID string
2.1.0 2.2.0
APP BRW 3RI
required

The 3DS requestor identifier assigned by the card scheme.

Example: "example-requestor-id"
threeDSRequestorName string
2.1.0 2.2.0
APP BRW 3RI
required

3DS Requestor name assigned by the card scheme.

Example: "Example Requestor Name"
threeDSRequestorURL string
1.0.2 2.1.0 2.2.0
APP BRW 3RI
required

Fully qualified URL of 3DS Requestor website or customer support website.

Example: "https://www.example-requestor.com"
threeDSRequestorAuthenticationInd string
2.1.0 2.2.0
APP BRW
required

Indicates the type of 3DS authentication request.

Options:
01 Payment transaction
02 Recurring transaction
03 Instalment transaction
04 Add card
05 Maintain card
06 Cardholder verification as part of EMV token ID&V
07 Billing Agreement
threeDSRequestorAuthenticationInfo object
2.1.0 2.2.0
APP BRW
optional

Information about how the 3DS Requestor authenticated the cardholder before or during the transaction.

threeDSRequestorChallengeInd string
2.1.0 2.2.0
APP BRW
optional

Indicates whether a challenge is requested for this transaction.

Options:
01 No preference 2.1.0 2.2.0
02 No challenge requested 2.1.0 2.2.0
03 Challenge requested (3DS Requestor preference) 2.1.0 2.2.0
04 Challenge requested (mandate, e.g. required for PSD2 compliance) 2.1.0 2.2.0
05 No challenge requested (transactional risk analysis is already performed) 2.2.0
06 No challenge requested (data share only) 2.2.0
07 No challenge requested (strong consumer authentication is already performed) 2.2.0
08 No challenge requested (utilise whitelist exemption if no challenge required) 2.2.0
09 Challenge requested (whitelist prompt requested if challenge required) 2.2.0
90 Enable the Cartes Bancaires Scoring Service (Cartes Bancaires only) 2.1.0
threeDSRequestorDecMaxTime string
2.2.0
APP BRW 3RI
optional

Indicates the maximum amount of time that the 3DS Requestor will wait for an ACS to provide the results of a Decoupled Authentication transaction (in minutes).

Example: "5"
threeDSRequestorDecReqInd string
2.2.0
APP BRW 3RI
optional

Indicates whether the 3DS Requestor requests the ACS to utilise Decoupled Authentication and agrees to utilise Decoupled Authentication if the ACS confirms its use.

Options:
Y Decoupled Authentication is supported and preferred if challenge is necessary
N Do not use Decoupled Authentication
threeDSRequestorPriorAuthenticationInfo object
2.1.0 2.2.0
APP BRW 3RI
optional

Information about how the 3DS Requestor authenticated the cardholder as part of a previous 3DS transaction.

threeRIInd string
2.1.0 2.2.0
3RI
required

Indicates the type of 3DS requestor initiated request.

Options:
01 Recurring transaction 2.1.0 2.2.0
02 Instalment transaction 2.1.0 2.2.0
03 Add card 2.1.0 2.2.0
04 Maintain card information 2.1.0 2.2.0
05 Account verification 2.1.0 2.2.0
06 Split/delayed shipment 2.2.0
07 Top-up 2.2.0
08 Mail order 2.2.0
09 Telephone order 2.2.0
10 Whitelist status check 2.2.0
11 Other payment 2.2.0
12 Billing Agreement 2.2.0
acctType string
2.1.0 2.2.0
APP BRW 3RI
conditional

Indicates the type of account.

Conditions:

Required if known, or in some markets.

Options:
01 Not Applicable
02 Credit
03 Debit
broadInfo object
2.1.0 2.2.0
APP BRW 3RI
optional

Broadcast information - unstructured information sent between the 3DS Server, the DS and the ACS.

acquirerMerchantID string
1.0.2 2.1.0 2.2.0
APP BRW 3RI
conditional

Acquirer-assigned merchant identifier.

Conditions:

Required for Payment Authentications (PA).

acquirerBIN string
1.0.2 2.1.0 2.2.0
APP BRW 3RI
conditional

Acquiring institution identification code as assigned by the DS receiving the AReq message.

Example: "535522"
Conditions:

Required for Payment Authentications (PA)

notificationURL string
2.1.0 2.2.0
BRW
required

The Challenge Notification URL that will receive the Challenge Response.

Example: "https://www.example-merchant.com/challenge-notification"
recurringExpiry string
1.0.2 2.1.0 2.2.0
APP BRW 3RI
conditional

Date after which no further authorisations shall be performed.

Format: YYYYMMDD
Conditions:

Required when threeDSRequestorAuthenticationInd is Recurring transaction ("02") or Instalment transaction ("03")

recurringFrequency string
1.0.2 2.1.0 2.2.0
APP BRW 3RI
conditional

Indicates the minimum number of days between authorisations.

Example: "0031"
Conditions:

Required when threeDSRequestorAuthenticationInd is Recurring transaction ("02") or Instalment transaction ("03")

purchaseInstalData string
1.0.2 2.1.0 2.2.0
APP BRW 3RI
conditional

Indicates the maximum number of authorisations permitted for instalment payments.

Example: "002"
Conditions:

Required if threeDSRequestorAuthenticationInd is Instalment transaction ("03").

transType string
2.1.0 2.2.0
APP BRW 3RI
conditional

Identifies the type of transaction being authenticated.

Conditions:

Required in some markets, when the messageCategory is Payment Authentication (PA) (01).

Options:
01 Purchase of goods or services
03 Check acceptance
10 Account funding
11 Quasi-cash transaction
28 Prepaid activation and load
browserAcceptHeader string
1.0.2 2.1.0 2.2.0
BRW
conditional

Exact content of the HTTP accept headers as sent to the 3DS Requestor from the cardholder’s browser.

Example: "text/html,application/xml"
Conditions:

Required when deviceChannel is Browser.

browserIP string
2.1.0 2.2.0
BRW
optional

IP address of the browser as returned by the HTTP headers to the 3DS Requestor.

Example: "0.0.0.0"
browserJavascriptEnabled boolean
2.2.0
BRW
required

Boolean that represents the ability of the cardholder browser to execute JavaScript.

Example: true
browserJavaEnabled boolean
2.1.0 2.2.0
BRW
conditional

Boolean that represents the ability of the cardholder browser to execute Java.

Example: true
Conditions:

Required when browserJavascriptEnabled is true.

browserLanguage string
2.1.0 2.2.0
BRW
required

The cardholder browser language as defined in IETF BCP47.

Example: "en"
browserColorDepth string
2.1.0 2.2.0
BRW
conditional

The bit depth of the browser's colour palette for displaying images.

Conditions:

Required when browserJavascriptEnabled is true.

Options:
1 1 bit per pixel
4 4 bits per pixel
8 8 bits per pixel
15 15 bits per pixel
16 16 bits per pixel
24 24 bits per pixel
32 32 bits per pixel
48 48 bits per pixel
browserScreenHeight string
2.1.0 2.2.0
BRW
conditional

Total height of the cardholder’s screen (not browser window) in pixels.

Example: "1080"
Conditions:

Required when browserJavascriptEnabled is true.

browserScreenWidth string
2.1.0 2.2.0
BRW
conditional

Total width of the cardholder’s screen (not browser window) in pixels.

Example: "1920"
Conditions:

Required when browserJavascriptEnabled is true.

browserTZ string
2.1.0 2.2.0
BRW
conditional

Time-zone offset in minutes between UTC and the cardholder browser local time.

Example: "300"
Conditions:

Required when browserJavascriptEnabled is true.

browserUserAgent string
1.0.2 2.1.0 2.2.0
BRW
conditional

Exact content of the HTTP user-agent header.

Example: "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_0_0) AppleWebKit/0.0 (KHTML, like Gecko) Chrome/0.0.0.0 Safari/0.0"
Conditions:

Required when deviceChannel is Browser.

sdkTransID string
2.1.0 2.2.0
APP
required

Universally unique transaction identifier assigned by the 3DS SDK to identify a single transaction. Obtained by calling the getSDKTransactionID() SDK method. See details

Example: "a3384543-b67e-5117-bb34-4567ac6a1123"
sdkAppID string
2.1.0 2.2.0
APP
required

Universally unique ID created upon all installations of the 3DS Requestor App on a consumer device. This will be newly generated and stored by the 3DS SDK for each installation. Obtained by calling the getSDKAppID() SDK method. See details

Example: "c3994512-a99f-ab17-bb66-4566ac6b1334"
sdkEncData string
2.1.0 2.2.0
APP
required

Device data encrypted by the SDK. Obtained by calling the getDeviceData() SDK method. See details

sdkEphemPubKey object
2.1.0 2.2.0
APP
required

Public key component of the ephemeral key pair generated by the 3DS SDK and used to establish session keys between the 3DS SDK and ACS. Obtained by calling the getSDKEphemeralPublicKey() SDK method. See details

sdkMaxTimeout string
2.1.0 2.2.0
APP
required

Indicates maximum amount of time (in minutes) for all exchanges.

Example: "05"
sdkReferenceNumber string
2.1.0 2.2.0
APP
required

Identifies the vendor and version of the 3DS SDK that is integrated in a 3DS Requestor App.

Example: "3DS_xxx_SDK_xxxx_020200_nnnnn"
deviceRenderOptions object
2.1.0 2.2.0
APP
required

Defines the SDK UI types that the device supports for displaying specific challenge user interfaces within the SDK.

merchantName string
1.0.2 2.1.0 2.2.0
APP BRW 3RI
conditional

Merchant name assigned by the acquirer.

Conditions:

Required for Payment Authentications (PA)

merchantCountryCode string
1.0.2 2.1.0 2.2.0
APP BRW 3RI
conditional

ISO 3166-1 numeric three-digit country code of the merchant.

Example: "826"
Conditions:

Required for Payment Authentications (PA)

mcc string
2.1.0 2.2.0
APP BRW 3RI
conditional

Merchant category code. A card scheme specific code describing the merchant’s type of business, product or service.

Conditions:

Required for Payment Authentications (PA)

merchantRiskIndicator object
2.1.0 2.2.0
APP BRW 3RI
optional

Optional information about the purchase.

cardholderName string
2.1.0 2.2.0
APP BRW 3RI
conditional

Name of the cardholder.

Example: "John Smith"
Conditions:

Required unless a market or regional mandate restricts sending this information.

acctID string
2.1.0 2.2.0
APP BRW 3RI
optional

Cardholder account identifier. The customerId may be used for this field.

acctInfo object
2.1.0 2.2.0
APP BRW 3RI
optional

Information about the cardholder's account.

email string
2.1.0 2.2.0
APP BRW 3RI
conditional

The email address associated with the account that is either entered by the Cardholder, or is on file with the 3DS Requestor.

Example: "customer@example.com"
Conditions:

Required unless a market or regional mandate restricts sending this information.

homePhone object
2.1.0 2.2.0
APP BRW 3RI
optional

Home phone number. Refer to ITU-E.164 for additional information on format and length.

mobilePhone object
2.1.0 2.2.0
APP BRW 3RI
optional

Mobile phone number. Refer to ITU-E.164 for additional information on format and length.

workPhone object
2.1.0 2.2.0
APP BRW 3RI
optional

Work phone number. Refer to ITU-E.164 for additional information on format and length.

addrMatch string
2.1.0 2.2.0
APP BRW
optional

Indicates whether the billing address and shipping address are the same.

Options:
Y Billing address matches shipping address
N Billing address does not match shipping address
billAddrLine1 string
2.1.0 2.2.0
APP BRW 3RI
conditional

First line of the billing address associated with the card used for this purchase.

Conditions:

Required unless a market or regional mandate restricts sending this information.

billAddrLine2 string
2.1.0 2.2.0
APP BRW 3RI
conditional

Second line of the billing address associated with the card used for this purchase.

Conditions:

Required unless a market or regional mandate restricts sending this information.

billAddrLine3 string
2.1.0 2.2.0
APP BRW 3RI
conditional

Third line of the billing address associated with the card used for this purchase.

Conditions:

Required unless a market or regional mandate restricts sending this information.

billAddrCity string
2.1.0 2.2.0
APP BRW 3RI
conditional

The city of the billing address associated with the card used for this purchase.

Conditions:

Required unless a market or regional mandate restricts sending this information.

billAddrState string
2.1.0 2.2.0
APP BRW 3RI
conditional

The state or province of the billing address associated with the card used for this purchase.

Conditions:

Required unless a market or regional mandate restricts sending this information.

billAddrPostCode string
2.1.0 2.2.0
APP BRW 3RI
conditional

ZIP or other postal code of the billing address associated with the card used for this purchase.

Example: "EC1V 9BP"
Conditions:

Required unless a market or regional mandate restricts sending this information.

billAddrCountry string
2.1.0 2.2.0
APP BRW 3RI
conditional

The numeric country code of the billing address associated with the card used for this purchase.

Example: "826"
Conditions:

Required unless a market or regional mandate restricts sending this information.

shipAddrLine1 string
2.1.0 2.2.0
APP BRW 3RI
conditional

First line of the shipping address requested by the cardholder.

Conditions:

Required unless a market or regional mandate restricts sending this information.

shipAddrLine2 string
2.1.0 2.2.0
APP BRW 3RI
conditional

Second line of the shipping address requested by the cardholder.

Conditions:

Required unless a market or regional mandate restricts sending this information.

shipAddrLine3 string
2.1.0 2.2.0
APP BRW 3RI
conditional

Third line of the shipping address requested by the cardholder.

Conditions:

Required unless a market or regional mandate restricts sending this information.

shipAddrCity string
2.1.0 2.2.0
APP BRW 3RI
conditional

City of the shipping address requested by the cardholder.

Example: "London"
Conditions:

Required unless a market or regional mandate restricts sending this information.

shipAddrState string
2.1.0 2.2.0
APP BRW 3RI
conditional

The state or province of the shipping address requested by the cardholder.

Conditions:

Required unless a market or regional mandate restricts sending this information.

shipAddrPostCode string
2.1.0 2.2.0
APP BRW 3RI
conditional

The ZIP or other postal code of the shipping address requested by the cardholder.

Example: "EC1V 9BP"
Conditions:

Required unless a market or regional mandate restricts sending this information.

shipAddrCountry string
2.1.0 2.2.0
APP BRW 3RI
conditional

Numeric country of the shipping address requested by the cardholder.

Example: "826"
Conditions:

Required unless a market or regional mandate restricts sending this information.

messageExtension array
2.1.0 2.2.0
APP BRW 3RI
optional

Data necessary to support requirements not otherwise defined in the 3D Secure message format.

Authenticate Response

timestamp integer

A unix timestamp indicating when we finished handling the request.

Example: 1512828988826
status integer

The HTTP response status code.

Example: 200
cardScheme string
2.1.0 2.2.0

The card scheme which the card uses.

Example: "Visa"
data object

Response payload.

messageVersion string
1.0.2 2.1.0 2.2.0
APP BRW 3RI

3DS protocol version identifier.

threeDSServerTransID string
1.0.2 2.1.0 2.2.0
APP BRW 3RI

The unique identifier (UUID) for tracking the transaction throughout the 3DS process.

Example: "c5584543-b67e-5117-bb34-3567ac6a1123"
sdkTransID string
2.1.0 2.2.0
APP

Universally unique transaction identifier assigned by the 3DS SDK to identify a single transaction.

Example: "a3384543-b67e-5117-bb34-4567ac6a1123"
acsTransID string
2.1.0 2.2.0
APP BRW 3RI

The unique identifier (UUID) used by the ACS for tracking the transaction throughout the 3DS process.

Must be provided in the Challenge Request.

May be provided in the threeDSReqPriorRef field in order to identify a prior authentication.

Example: "214a549e-2310-4359-b590-c53a20adcc78"
dsTransID string
2.1.0 2.2.0
APP BRW 3RI

The unique identifier (UUID) used by the directory server for tracking the transaction throughout the 3DS process. Provided for information only.

Example: "a3384543-b67e-5117-bb34-4567ac6a1123"
dsReferenceNumber string
2.1.0 2.2.0
APP BRW 3RI

A unique identifier assigned to the directory server by EMVCo. Provided for information only.

Example: "3DS_LOA_DIS_ABCD_020200_00001"
acsReferenceNumber string
2.1.0 2.2.0
APP BRW 3RI

A unique identifier assigned to the ACS by EMVCo. Provided for information only.

Example: "3DS_LOA_ACS_ABCD_020200_00001"
paReq string
1.0.2

A base64 encoded Payer Authentication Request (PAReq). Use this to initiate a challenge using 3DS 1.

authenticationType string
2.1.0 2.2.0
APP BRW

The type of authentication the issuer will use to challenge the Cardholder.

Options:
01 Static, for example, a password or passcode
02 Dynamic, for example, a one time password (OTP)
03 Out-of-Band (OOB), for example, using the issuing bank's mobile app
04 Decoupled Authentication
authenticationValue string
2.1.0 2.2.0
APP BRW 3RI

The card scheme specific value to be used for authorising the transation. Also referred to as "CAVV" (Cardholder Authentication Verification Value) by Visa, AAV (Accountholder Authentication Value) by Mastercard and AEVV (American Express Verification Value) by American Express.

transStatus string
2.1.0 2.2.0
APP BRW 3RI

Indicates the outcome of the authenticate request, and how to proceed.

Options:
Y Authentication Successful

The transaction achieved a Frictionless authentication, continue to authorisation using the authenticationValue.

A Authentication Attempted

3DS was attempted but was not possible. However the card scheme granted a successful authentication on the issuer's behalf.

N Authentication Failed

The authentication failed, stop processing the transaction.

U Authentication Unavailable

Authentication could not be performed. You may attempt to proceed to authorisation without an authenticationValue.

C Challenge Required

A challenge is required, make a Challenge Request.

D Decoupled Challenge Required

A challenge will be performed by the issuer without using a 3DS Challenge Request. Make a Result Request to learn the final outcome. You may need to wait the length of time set in the threeDSRequestorDecMaxTime Authenitcate Request field.

R Authentication Rejected

The issuer rejected the authentication attempt and requests that authorisation is not attempted.

I Informational Only

Authentication for the transaction was not requested. The data was sent to the ACS for informational purposes only.

transStatusReason string
2.1.0 2.2.0
APP BRW 3RI

Provides information on the transStatus value.

Options:
01 Card authentication failed
02 Unknown device
03 Unsupported device
04 Exceeds authentication frequency limit
05 Expired card
06 Invalid card number
07 Invalid transaction
08 No card record
09 Security failure
10 Stolen card
11 Suspected fraud
12 Transaction not permitted to cardholder
13 Cardholder not enrolled in service
14 Transaction timed out at the ACS
15 Low confidence
16 Medium confidence
17 High confidence
18 Very high confidence
19 Exceeds ACS maximum challenges
20 Non-payment (NPA) transaction not supported
21 3RI transaction not supported
22 ACS technical issue
23 Decoupled authentication required by ACS but not requested by 3DS Requestor
24 3DS Requestor decoupled authentication max expiry time exceeded
25 Insufficient time provided for decoupled authentication to authenticate cardholder. ACS will not attempt authentication
26 Authentication attempted but not performed by the cardholder
eci string
2.1.0 2.2.0
APP BRW 3RI

Electronic Commerce Indicator

Options:
00 Authentication Failed

Mastercard

01 Authentication attempted, but not completed

Mastercard

02 Authentication Successful

Mastercard

05 Authentication Successful

Visa, American Express, Discover, JCB, UnionPay

06 Authentication attempted, but not completed

Visa, American Express, Discover, JCB, UnionPay

07 Authentication Failed

Visa, American Express, Discover, JCB, UnionPay

acsChallengeMandated string
2.1.0 2.2.0
APP BRW 3RI

Indicates whether regional mandates (e.g. PSD2) require a challenge to be performed. If using the 3RI device channel, a decoupled challenge must be used.

Options:
Y Challenge is mandated
N Challenge is not mandated
acsDecConInd string
2.2.0
APP BRW 3RI

Indicates whether the ACS will use decoupled authentication.

Options:
Y Decoupled authentication will be used
N Decoupled authentication will not be used
acsRenderingType object
2.1.0 2.2.0
APP

Indicates whether the ACS will use decoupled authentication.

acsSignedContent string
2.1.0 2.2.0
APP

A JSON Web Signature (JWS) object containing the ACS URL, ACS ephemeral public key and SDK ephemeral public key. These are used by the SDK to communicate securely with the ACS when performing the challenge.

acsURL string
1.0.2 2.1.0 2.2.0
BRW

The URL of the ACS to be used for the challenge.

cardholderInfo string
2.1.0 2.2.0
APP BRW 3RI

Text provided by the issuer to be displayed to the cardholder.

whiteListStatus string
2.2.0
APP BRW 3RI

Indicates whether the cardholder has added the merchant to their list of trusted merchants. A cardholder can typically only choose to trust a merchant after successfully completing a challenge. A cardholder may not be required to complete a challenge with a merchant they have previously trusted.

Options:
Y Merchant is trusted by cardholder
N Merchant has not yet been trusted by cardholder
E Not eligible as determined by issuer
P Pending confirmation by cardholder
R Cardholder rejected the request to trust the merchant
U Trusted status unknown, unavailable, or does not apply
whiteListStatusSource string
2.2.0
APP BRW 3RI

Identifies the system which set the whiteListStatus value.

Options:
01 3DS Server
02 Directory Server (DS)
03 Access Control Server (ACS)
messageExtension array
2.1.0 2.2.0
APP BRW 3RI

Data necessary to support requirements not otherwise defined in the 3D Secure message format.

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