On This Page

{#jumplink-list}  
[Markdown](/docs/cybs/en-us/apple-pay/developer/all/rest/applepay/applepay-auth-digital-wallet/applepay-auth-dw-no-3ds.md)  
Filter  
FILTER BY TAG

Authorizing an Apple Pay Digital Wallet Payment without 3-D Secure {#applepay-auth-dw-no-3ds}
=============================================================================================

The topics in this section show to how to authorize an Apple Pay digital wallet payment without 3-D Secure authentication:

* Basic steps
* Required fields
* Mastercard example
* Common error responses and resolutions  
  When 3-D Secure is not used, the transaction ID is automatically populated with the cryptogram value
  For general information about basic authorizations, see the "Standard Payments Processing" section of the [Payments Developer Guide](https://developer.cybersource.com/docs.md#PaymentServices "").

Basic Steps to Authorize an Apple Pay Digital Wallet Payment without 3-D Secure {#applepay-auth-dw-no-3ds-rest-steps}
=====================================================================================================================

1. Follow these steps to request an Apple Pay payment on a supported card without 3-D Secure authentication:

2. Create the request message with the required `REST` API fields.

   * Use the API fields listed in [Required Fields to Authorize an Apple Pay Digital Wallet Payment without 3-D Secure](/docs/cybs/en-us/apple-pay/developer/all/rest/applepay/applepay-auth-digital-wallet/applepay-auth-dw-no-3ds/applepay-auth-dw-no-3ds-rest-fields.md "").  
     These REST API fields are specific to this request payload:
     * merchantInformation.merchantDomain
     * paymentInformation.tokenizedCard.cryptogram
     * paymentInformation.tokenizedCard.transactionType
     * processingInformation.commerceIndicator
     * processingInformation.paymentSolution
   * Refer to the example [Diners Club Example: Authorize an Apple Pay Digital Wallet Payment without 3-D Secure](/docs/cybs/en-us/apple-pay/developer/all/rest/applepay/applepay-auth-digital-wallet/applepay-auth-dw-no-3ds/applepay-auth-dw-no-3ds-rest-code-diners.md ""). IMPORTANT

     > The example is based on a Diners Club transaction. For a Mastercard or a Visa card transaction, set the card-specific value for the paymentInformation.tokenizedCard.type field.

3. Send the message to one of these endpoints:

   * Production: `POST ``https://api.cybersource.com``/pts/v2/payments`
   * Test: `POST ``https://apitest.cybersource.com``/pts/v2/payments`
4. Verify the response messages to make sure that the request was successful.

   #### ADDITIONAL INFORMATION

   A 200-level HTTP response code indicates success. See the [Transaction Response Codes](https://developer.cybersource.com/api/reference/response-codes.md "").

5. If the response message contain errors, see [Common Error Responses for Transactions without 3-D Secure](/docs/cybs/en-us/apple-pay/developer/all/rest/applepay/applepay-auth-digital-wallet/applepay-auth-dw-no-3ds/applepay-auth-dw-no-3ds-errors.md "").

Required Fields to Authorize an Apple Pay Digital Wallet Payment without 3-D Secure {#applepay-auth-dw-no-3ds-rest-fields}
==========================================================================================================================

These REST API fields are required to request authorization of an Apple Pay Digital Wallet payment without 3-D Secure authentication.

clientReferenceInformation.code
:

merchantInformation.merchantId
:

orderInformation.amountDetails.currency
:

orderInformation.amountDetails.totalAmount
:

orderInformation.billTo.address1
:

orderInformation.billTo.administrativeArea
:

orderInformation.billTo.country
:

orderInformation.billTo.email
:

orderInformation.billTo.firstName
:

orderInformation.billTo.lastName
:

orderInformation.billTo.locality
:

orderInformation.billTo.phoneNumber
:

orderInformation.billTo.postalCode
:

paymentInformation.tokenizedCard.cryptogram
:
Set the value to the network token cryptogram from Apple Pay.

paymentInformation.tokenizedCard.expirationMonth
:

paymentInformation.tokenizedCard.expirationYear
:

paymentInformation.tokenizedCard.transactionType
:
Set the value to `1` for network tokens.

paymentInformation.tokenizedCard.type
:
Set the value to the card type code. Possible values:

    * `001` for Visa
    * `002` for Mastercard
    * `005` for Diners Club

processingInformation.commerceIndicator
:
Set the value to `internet` for a Diners Club, Discover, and Visa card for an authorization request without 3-D Secure authentication.

processingInformation.paymentSolution
:
Set the value to `001` for Apple Pay in-app and web transactions.

Related Information
-------------------

* [API Field Reference for the REST API](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/acq-info.md "")

Diners Club Example: Authorize an Apple Pay Digital Wallet Payment without 3-D Secure {#applepay-auth-dw-no-3ds-visa}
=====================================================================================================================

Request

```
{
  "clientReferenceInformation": {
    "code": "DINERS-NO3DS-APPLEPAY-002"
  }, 
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "89.99",
      "currency": "USD"
    },
    "billTo": {
      "firstName": "Maria",
      "lastName": "Garcia",
      "address1": "123 Main Street",
      "locality": "San Francisco",
      "administrativeArea": "CA",
      "postalCode": "94105",
      "country": "US",
      "email": "maria.garcia@example.com",
      "phoneNumber": "415-555-0123"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "cryptogram": "BgAAAAAABk4DWZ4C28yUQAAAAAA=",
      "transactionType": "1",
      "expirationMonth": "11",
      "expirationYear": "2026",
      "type": "005"
    }
  },
  "processingInformation": {
    "paymentSolution": "001",
    "commerceIndicator": "internet"
  },
  "merchantInformation": {
    "merchantId": "demo_merchant_12345"
  }
}
```

Common Error Responses for Transactions without 3-D Secure {#applepay-auth-dw-no-3ds-errors}
============================================================================================

This topic lists common error responses to transaction requests without 3-D Secure authentication.

3DS ECI provided for non-3DS transaction
:
Cause: Invalid e-commerce indicator for a transaction that does not use 3-D Secure.
:
Resolution: Make sure the processingInformation.commerceIndicator field is set to `internet` to indicate a transaction without 3-D Secure authentication. You could also omit the field from your request and let the gateway assign the value.

Authentication data present in non-3DS transaction
:
Cause: Conflicting authentication data.
:
Resolution: Remove the cardholder authentication data, which is used for transactions with 3-D Secure:

    * Remove the consumerAuthenticationInformation. cavv field (for Diners Club or Visa cards).
    * Remove the consumerAuthenticationInformation. ucafAuthenticationData field (for Mastercard only).

Digital wallet transaction missing required cryptogram
:
Cause: Missing or invalid cryptogram.
:
Resolution: Make sure the paymentInformation.tokenizedCard.cryptogram field is populated with the correct value.  
RELATED TO THIS PAGE