Interpreting the Response

In EMV 3-D Secure, there are two possible responses:
  • Frictionless: No challenge or stepup to the cardholder. While frictionless authentication can indicate a successfully authenticated outcome because the customer's card is enrolled in a payer authentication program, it can also result from the bank failing or rejecting authentication without challenging the cardholder. In the frictionless authentication flow, you receive a PAResStatus of either
    Y
    ,
    A
    ,
    N
    ,
    I
    ,
    R
    , or
    U
    with an associated ECI value. With successful frictionless authentication, the PAResStatus =
    Y
    or
    A
    and you receive a CAVV. You may also receive a PAResStatus =
    I
    indicating successful authentication but it might not include a CAVV.
  • Challenge: The response contains PAResStatus =
    C
    . A challenge response has a payload and contains an ACS URL and a StepUpUrl. Challenge the cardholder to provide additional authentication information and display an authentication challenge window to the cardholder so the cardholder can respond to a validation request and receive a validation response.