REST API

Implementing Direct API for Payer Authentication

The Direct API integrates EMV 3-D Secure 2.x into your business's website. This integration uses an iframe to complete the device profiling and EMV 3-D Secure authentication requirements without including third-party JavaScript directly on your site.
This implementation requires the use of JavaScript to leverage the authentication. The JavaScript is hosted and contained inside the iframe and does not directly access your web page.
IMPORTANT
Payer Authentication uses Cardinal (a Visa owned company) Centinel as the technology platform to manage all EMV 3-D Secure authentication processes. Any references to Cardinal in this document refer to the underlying services that are provided by Cardinal technology.
A website is available at index.html that provides a demo tool to help users understand how payer authentication works. Users can complete the sequence of steps required to implement payer authentication on their website and examine the code underlying the process. Use test card numbers to walk through the process and enter 123 as the security code.