Non-Payment Authentication

Non-Payment Authentication (NPA) requests enable a merchant to authenticate a customer without a transaction. A non-payment use case can be used for such tasks as adding a card to a merchant website, updating cardholder information on file, or to verify a cardholder's identity when creating a token for future use. The same authentication used during the checking enrollment process is used for NPA. Non-payment use cases are enabled using a combination of the

consumerAuthenticationInformation.messageCategory

and

consumerAuthenticationInformation.strongAuthentication.authenticationIndicator

values. For example to add a card to a loyalty program, set the Message Category value to

and the Authentication Indicator value to

. For other possible NPA use cases, refer to the other possible values for

consumerAuthenticationInformation.messageCategory

. The

consumerAuthenticationInformation.messageCategory

value must be set to

(non-payment authentication) to specify that the authentication is not for a transaction.

Card-Specific Requirements

Some payment cards require information to be collected during a transaction.

consumerAuthenticationInformation. defaultCard: This field is recommended for Discover ProtectBuy.
consumerAuthenticationInformation. productCode: This field is required for American Express SafeKey (U.S.) when the product code is
AIR
for an airline purchase.
merchantInformation.merchantDescriptor. name: This field is required for Visa Secure travel.
orderInformation.shipTo.addess1: This field is required only for American Express SafeKey (US).

orderInformation.shipTo.address2: This field is required only for American Express SafeKey (US.)
orderInformation.shipTo.administrativeArea: This field is required only for American Express SafeKey (US).
orderInformation.shipTo.country: This field is required only for American Express SafeKey (US).
orderInformation.shipTo.postalCode: This field is required for American Express SafeKey (US).

Country-Specific Requirements

These fields are required for transactions in specific countries.

consumerAuthenticationInformation. merchantScore: This field is required for transactions processed in France.
orderInformation.billTo.administrativeArea: This field is required for transactions in the US and Canada.
orderinformation.billTo.locality: This field is required for transactions in the US and Canada.
orderInformation.billTo.postalCode: This field is required when the
orderInformation.billTo.country
field value is
US
or
CA
.

orderInformation.shipTo.administrativeArea: This field is required when the
orderInformation.shipTo.country
field value is
CA
,
US
, or
China
.

orderInformation.shipTo.postalCode: This field is required when the
orderInformation.shipTo.country
field value is
US
or
CA
.

Endpoint

Production:

POST https://api.smartpayfuse.barclaycard/risk/v1/authentications

Test:

POST https://api.smartpayfuse-test.barclaycard/risk/v1/authentications