2a: Installment - Customer Initiated Transaction (Mastercard)

In this instance, the initial authentication is for the total amount for all of the future installments. Once the initial authentication is completed by the customer, the subsequent installments do not require authentication and go directly to authorization, which is Mastercard’s preferred process.
Card Type
Test Card Number
Mastercard
Card Type = 002
520000
00 0000 2805

Endpoint

Production:
POST
https://api.cybersource.com
/risk/v1/authentication-setups
Test:
POST
https://apitest.cybersource.com
/risk/v1/authentication-setups

Required Fields for 3RI 2a: Installment - Customer Initiated Transaction (Mastercard)

Required Fields

REST Example: Checking Enrollment for a 3RI Customer Initiated Total Installments (Mastercard)

REST Example: Validating the Challenge for a 3RI Customer Initiated Total Installments (Mastercard)

Light Dark
Request 
1234567891011121314151617181920212223242526272829303132333435363738394041424344454647484950515253545556
{"orderInformation": {
    "amountDetails": {
      "currency": "eur",
      "totalAmount": "100.00"
    },
    "lineItems": [
      {
        "unitPrice": "120.00"
      }
    ],
    "billTo": {
      "address1": "201 S. Division St.",
      "administrativeArea": "MI",
      "country": "US",
      "locality": "Ann Arbor",
      "firstName": "RTS",
      "lastName": "VDP",
      "email": "test@email.com",
      "postalCode": "48104-2201"
    }
  },
  "paymentInformation": {
    "card": {
      "type": "002",
      "expirationMonth": "12",
      "expirationYear": "2027",
      "number": "5200000000002805"
    }
  },
  "deviceInformation": {
    "httpAcceptContent": "all",
    "httpBrowserLanguage": "en",
    "httpBrowserJavaEnabled": "y",
    "httpBrowserColorDepth": 1,
    "httpBrowserScreenHeight": 1,
    "httpBrowserScreenWidth": 1,
    "httpBrowserTimeDifference": 5,
    "userAgentBrowserValue": "chrome"
  },
  "recurringPaymentInformation": {
    "endDate": "20240906",
    "frequency": "31",
    "numberOfPayments": "1",
    "originalPurchaseDate": "2024080511243877",
    "sequenceNumber": "1"
  },
  "consumerAuthenticationInformation": {
    "strongAuthentication": {
      "authenticationIndicator": "03"
    },
    "authenticationDate": "20190829154531",
    "deviceChannel": "Browser",
    "installmentTotalCount": "2",
    "messageCategory": "01",
    "referenceId": "CybsCruiseTester-2551acb2"
  }}
Response to a Successful Request
123456789101112131415161718192021222324252627282930313233
{"clientReferenceInformation": {
        "code": "RTS-Auth"
    },
    "consumerAuthenticationInformation": {
        "challengeRequired": "N",
        "authenticationTransactionId": "RTk6DV9Nsv2I1d8BSh40",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "token": "AxjzbwSTiTXaKSxK9bBhABECT34jN2Sb0h04ghLLtaSZV0ekj0yAsAAAxQTL",
        "acsUrl": "https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp",
        "acsReferenceNumber": "Cardinal ACS",
        "pareq": "eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMi4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiIzYzVhMzExMS1lYmVkLTRjNzUtOWQ5YS00M2QyZTEwYzkyYTciLCJhY3NUcmFuc0lEIjoiMTVlNDZmNWItNTcwZS00OWMwLTkyYzYtYmQyMTdiN2MxZTkxIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0",
        "directoryServerTransactionId": "2a9df334-1fa9-4dfe-9b1d-f4a2f14ba003",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "3c5a3111-ebed-4c75-9d9a-43d2e10c92a7",
        "acsOperatorID": "MerchantACS",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "15e46f5b-570e-49c0-92c6-bd217b7c1e91"
    },
    "errorInformation": {
        "reason": "CONSUMER_AUTHENTICATION_REQUIRED",
        "message": "The cardholder is enrolled in Payer Authentication. Please authenticate the cardholder before continuing with the transaction."
    },
    "id": "7253450880266999804001",
    "paymentInformation": {
        "card": {
            "bin": "520000",
            "type": "MASTERCARD"
        }
    },
    "status": "PENDING_AUTHENTICATION",
    "submitTimeUtc": "2024-09-03T06:31:28Z"}
Light Dark
Request 
123456789101112
{
    "clientReferenceInformation": {
        "code": "pavalidatecheck",
        "partner": {
            "developerId": "7891234",
            "solutionId": "89012345"
        }
    },
    "consumerAuthenticationInformation": {
        "authenticationTransactionId": "RTk6DV9Nsv2I1d8BSh40"
    }
}
Response to a Successful Request
123456789101112131415161718192021222324252627282930313233
{"clientReferenceInformation": {
        "code": "pavalidatecheck",
        "partner": {
            "developerId": "7891234",
            "solutionId": "89012345"
        }
    },
    "consumerAuthenticationInformation": {
        "indicator": "spa",
        "eciRaw": "02",
        "authenticationResult": "0",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "authenticationStatusMsg": "Success",
        "token": "AxijLwSTiTXcdJ2PhbzFABFPfiM3dQgCEtDJpJlXR6SPTIAAJRcM",
        "paresStatus": "Y",
        "ucafCollectionIndicator": "2",
        "ucafAuthenticationData": "AAIBBYNoEwAAACcKhAJkdQAAAAA=",
        "directoryServerTransactionId": "2a9df334-1fa9-4dfe-9b1d-f4a2f14ba003",
        "threeDSServerTransactionId": "3c5a3111-ebed-4c75-9d9a-43d2e10c92a7",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "15e46f5b-570e-49c0-92c6-bd217b7c1e91"
    },
    "id": "7253451526166806904005",
    "paymentInformation": {
        "card": {
            "bin": "520000",
            "type": "MASTERCARD"
        }
    },
    "status": "AUTHENTICATION_SUCCESSFUL",
    "submitTimeUtc": "2024-09-03T06:32:32Z"}