Interpreting the Response

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 step up URL. 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.