- productInformation
On This Page
REST API
consumerAuthenticationInformation. challengeCode
Authentication type or challenge presented to the cardholder at
checkout.
This field is available only for the
Banque de France et Tresor Public
, BNP Paribas France
, and Credit Mutuel-CIC
processors.The challenge is issued after requesting secure transactions through the
Cybersource
payer authentication services.A
challenge
means that strong customer authentication is required. The challenge
status does the following: - Informs the issuer about the alternative authentication methods that the cardholder used.
- Enables you to override default values for one transaction at a time and increase the authorization acceptance rate at the risk of accepting a liability shift for the transaction.
Possible values:
- 01: No preference.
- 02: No challenge requested, but the reason is unknown.
- 03: You requested the challenge. You can default to this value for every transaction when you see an increase in fraud rates.
- 04: Challenge mandated. Strong customer authentication is required when one of the following is true:
- Transaction amount exceeds 30 EUR and there have been at least five transactions on the payment card during the preceding week.
- Cumulative amount for the payment card during the preceding week exceeds 100 EUR.
- 05: No challenge requested because transactional risk analysis has already been performed.
- 06: No challenge requested because the purpose of this transaction is to share data, not to move money.
- 07: No challenge requested because strong consumer authentication has already been performed.
- 08: No challenge requested because the cardholder is on a white list of exempt cardholders.
- 09: Challenge requested by issuer. Determine whether the cardholder is on a white list of exempt cardholders.
This field defaults to
01
on merchant configuration and can be overridden
by the merchant. EMV 3-D Secure version 2.1.0 supports values
01
-04
. Version 2.2.0 supports values
01
-09
.Specifications
- Data Type:Integer
- Data Length:2
Mapping Information
- REST API Field:consumerAuthenticationInformation. challengeCode
- SCMP API Field:pa_challenge_code
- Simple Order API Fields:
- ccAuthService_paChallengeCode
- payerAuthEnrollService_challengeCode