Authentication Examples Using Primary Account Numbers

These examples list the API fields that are required or optional for the Setup, Check Enrollment, and Validate Authentication services. An example of a request payload and a successful response that occur with each service is provided. Payer authentication has three types of examples:
  • Primary Account Number (PAN): Illustrates how the payer authentication services work with customer PANs during transactions.
  • Tokens: Illustrates how the payer authentication services work with different types of tokens.
  • 3RI: Illustrates how the payer authentication services work with merchant-initiated transactions.
In certain circumstances, some payment card companies and some countries require more information than is normally collected when authenticating the customer. These circumstances, and the API fields to use in those circumstances, are noted for each case.