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Searching for Payer Authentication Details

The payer authentication data that is returned in API response fields can be searched by using the Transaction Search feature in the
Business Center
.
With other services, green means success, red means failure, and black means that the service request did not run. The result of the enrollment check is interpreted differently:
  • If the application result appears in green, you do not need to authenticate the user. You can authorize the card immediately.
  • If the application result appears in red, it means that authentication failed.
  • If the application result appears in yellow, it means the transaction requires authentication.

Enrolled Card

Enrolling a card consists of two steps:
  1. Checking for enrollment.
  2. Authenticating the customer.

Enrollment Check

For the enrollment check for an enrolled card, payer authentication data is located in the Transaction Details page in these sections:
  • Request Information section: The enrollment check service is shown in red because the card is enrolled. You receive the corresponding response information. If the card authorization service was requested at the same time, it did not run and appears in black.
  • Order Information section: When authentication is required, American Express SafeKey requires that you save the XID for use later. You do not receive an ECI, AAV, or CAVV because the authentication is not complete.
If CAVV and ECI are not provided, and the enrollment transaction results in a challenge, authentication is required.

Authentication Validation

For a transaction in which the validation and the card authorization services were processed successfully, payer authentication data is located in the Transaction Search Details window in these sections:
  • Request Information section: The validation service succeeded. A reason code 100 was returned with the corresponding response message. The necessary payer authentication information was passed to the card authorization service, which processed successfully. Both services are shown in green.
  • Order Information section: You received a value for all three parameters because the validation was successful. You may not receive an ECI value when a system error prevents the card issuer from performing the validation or when the cardholder does not complete the process.

Card Not Enrolled

When the card is not enrolled, the result of the enrollment check service appears in green, and the card authorization request (if requested at the same time) proceeds normally.

Transaction Details

Enter the PA transaction ID into the quick search feature to find all legs of a transaction. For a transaction in which the card is not enrolled, payer authentication data is located in the Transaction Details window in these sections:
  • Request Information section: The service appears in green. You can obtain additional information about related orders by clicking the link on the right.
  • Order Information section: The detailed information for the authorization service:
    • For Mastercard, the ECI value is 00: Authentication is not required because the customer’s Mastercard card is not enrolled. Other cards have an ECI value of 07.
    • The AAV/CAVV area is empty because you receive a value only when the customer is authenticated.
    • The XID area is empty because the card is not enrolled.
These are the reason codes you may encounter:
  • 465: DAUTHENTICATE​
    Encountered a Payer Authentication problem. Payer could not be authenticated. Authenticate the cardholder before continuing with the transaction.
  • 475: DAUTHENTICATE​
    The cardholder is enrolled in Payer Authentication.​ Authenticate the cardholder before continuing with the transaction.​
  • 476​: DAUTHENTICATIONFAILED​
    Encountered a Payer Authentication problem. Payer could not be authenticated.​ Authenticate the cardholder before continuing with the transaction.​
  • 261​: DINVALIDDATA​
    The merchant account set up is either invalid or missing on the acquirer’s gateway​
    Check Currency – Acquirer ID- Merchant ID combination. If these are configured as expected please reach out to the Acquirer​.