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API Overview
  • Recent Revisions to This Document
  • Payer Authentication Developer Guide
    • VISA Platform Connect: Specifications and Conditions for Resellers/Partners
  • Introduction to Payer Authentication
    • Why Payer Authentication Is Needed
    • EMV 3-D Secure 2.0
    • Payer Authentication Customer Workflow
    • Payer Authentication Merchant Workflow
    • Acquirer Information
    • Enable Merchant Account for EMV 3-D Secure
    • Payer Authentication Configuration Testing
    • Request Endpoints
    • Payer Authentication Integrations
  • Implementing Direct API for Payer Authentication
    • Prerequisites
    • After Implementation and Before Go Live
  • Step 1: Setup Service
    • Request Fields
    • Important Response Fields
  • Step 2: Device Data Collection
    • Which Device Data is Collected
    • Building the Iframe
    • Initiating the Device Data Collection Iframe
    • Submitting the Device Data Collection Iframe
    • Receiving the Device Data Collection URL Response
  • Step 3: Payer Authentication Check Enrollment Service
    • Request Fields
    • Interpreting the Check Enrollment Response
    • Important Response Fields
  • Step 4: Step-Up Iframe
    • Building the Iframe Parameters
    • Creating the Iframe
    • Invoking the Iframe
    • Receiving the Step-Up Results
  • Step 5: Payer Authentication Validation Service
    • Request Fields
    • Interpreting the Validation Response
    • Redirecting Customers to Pass or Fail Message Page
  • Combining the Authentication and the Authorization Services
    • Combining Check Enrollment and the Authorization Services
      • Check Enrollment Response Fields and Their Equivalent Authorization Request Fields
    • Combining the Validation and the Authorization Services
      • Validation Fields and their Equivalent Authorization Fields
  • Implementing SDK Payer Authentication
    • Implementation Overview
    • Process Flow for SDK Integration
    • Prerequisites for SDK Implementation
      • Credentials/API Keys
        • Generating your API Key:
    • What Mobile Device Data is Collected
    • Using the Android SDK
      • Updating the Gradle Build Properties
      • Configuring the Android SDK
      • Setting Up the Initial Call
    • Using the iOS SDK
      • Downloading and Importing the SDK
      • Configuring Your Build Environment
      • Configuring the iOS SDK
      • Setting Up the Initial Call
    • Running Payer Authentication with SDK
      • Requesting the Check Enrollment Service (SDK)
      • Interpreting the Response
      • Authenticating Enrolled Cards
        • Calling Cardinal.cca_continue (Android SDK)
        • Calling Cardinal session continue (iOS SDK)
        • Receiving the Authentication Results
      • Requesting the Validation Service
        • Interpreting the Response
        • Redirecting Customers to the Message Page
  • Payer Authentication Examples
    • Setting Up Device Data Collection
      • Required Fields for Device Data Collection
      • Optional Fields for Device Data Collection
      • REST Example: Setting Up Data Collection
    • Setting Up Device Data Collection Using Digital Payment (Google Pay)
      • Required Fields for Device Data Collection
      • Optional Fields for Device Data Collection
      • REST Example: Setting Up Device Data Collection When Using Digital Payment (Google Pay)
    • Checking Enrollment in Payer Authentication
      • Required Fields for Checking Enrollment in Payer Authentication
      • Optional Fields for Checking Enrollment in Payer Authentication
      • REST Example: Checking Enrollment
    • Checking Enrollment in Payer Authentication Using Digital Payment (Google Pay)
      • Required Fields for Checking Enrollment in Payer Authentication
      • Optional Fields for Checking Enrollment in Payer Authentication
      • REST Example: Checking Enrollment in Payer Authentication Using Google Pay
    • Validating a Challenge
      • Required Fields for Validating a Challenge
      • Optional Fields for Validating a Challenge
      • REST Example: Validating a Challenge
    • Validating a Challenge Using Digital Payment (Google Pay)
      • Required Fields for Validating a Challenge
      • Optional Fields for Validating a Challenge
      • REST Example: Validating a Challenge When Using Google Pay
    • Validating and Authorizing a Transaction
      • Required Fields for Processing an Authorization Using Visa Secure
      • Optional Fields for Validating a Challenge
      • REST Example: Validating and Authorizing a Transaction
    • Non-Payment Authentication
      • Required Fields for Checking Enrollment in Payer Authentication
      • REST Example: Checking Enrollment for Non-Payment Authentication
    • Authentication with TMS Tokens
      • Setting Up Device Data Collection with a TMS Token
        • Required Fields for Setting Up Data Collection When Using a TMS Token
        • REST Example: Setting Up Device Data Collection When Using a TMS Token
      • Checking Enrollment When Using a TMS Token
        • Required Fields for Checking Enrollment in Payer Authentication While Using a TMS Token
        • REST Example: Checking Enrollment When Using a TMS Token (Frictionless)
        • REST Example: Checking Enrollment When Using a TMS Token (Challenge)
      • Validating a Challenge When Using a TMS Token
        • Required Fields for Validating a Challenge When Using a TMS Token
        • REST Example: Validating a Challenge When Using a TMS Token
    • Authentication with Flex Microform Tokens
      • Setting Up Device Data Collection When Using a Flex Microform Token
        • Required Fields for Setting Up Device Data Collection When Using a Flex Microform Token
        • REST Example: Setting Up Device Data Collection When Using a Flex Microform Token
      • Checking Enrollment When Using a Flex Microform Token
        • Required Fields for Checking Enrollment When Using a Flex Microform Token
        • REST Example: Checking Enrollment When Using a Flex Microform Token (Challenge)
      • Validating a Challenge When Using a Flex Microform Token
        • Required Fields for Validating a Challenge When Using a Flex Microform Token
        • REST Example: Validating a Challenge When Using a Flex Microform Token
    • Authentication with Tokenized Cards
      • Setting Up Device Data Collection with a Tokenized Card
        • Required Fields for Setting Up Device Data Collection with a Tokenized Card
        • REST Example: Setting Up Device Data Collection When Using a Tokenized Card
      • Checking Enrollment with a Tokenized Card
        • Required Fields for Checking Enrollment When Using a Tokenized Card
        • REST Example: Checking Enrollment When Using a Tokenized Card (Frictionless)
    • Merchant-Initiated Transactions
      • Challenge Reponses to 3RI Transactions
      • Network-Specific Values for 3RI
      • 1a: Initial Recurring Transaction
        • Required Fields for 3RI 1a: Initial Recurring Transaction
        • REST Example: Checking Enrollment for a 3RI Initial Recurring Transaction
        • REST Example: Validating the Challenge for a 3RI Initial Recurring Transaction
      • 1b: Recurring Payments - Subsequent Transaction (Mastercard)
        • Required Fields for 3RI 1b: Recurring Payments - Subsequent Transaction (Mastercard)
        • REST Example: Validating the Challenge for 3RI Subsequent Installment Transactions
      • 2a: Installment - Customer Initiated Transaction (Mastercard)
        • Required Fields for 3RI 2a: Installment - Customer Initiated Transaction (Mastercard)
        • REST Example: Checking Enrollment for a 3RI Customer Initiated Total Installments (Mastercard)
        • REST Example: Validating the Challenge for a 3RI Customer Initiated Total Installments (Mastercard)
      • 3a: Split/Partial Shipment (Mastercard)
        • Required Fields for 3RI 3a: Split/Partial Shipment (Mastercard)
        • REST Example: Checking Enrollment for 3RI Split Shipment Transaction (Mastercard)
      • 3b: Split/Delayed Shipment (Visa)
        • Required Fields for 3RI 3b: Split/Delayed Shipment (Visa)
        • REST Example: Checking Enrollment for 3RI Split Shipment Transaction (Visa)
      • 4a: Multi-Party Commerce or OTA (Visa)
        • Required Fields for 3RI 4a: Multi-Party Commerce or OTA (Visa)
        • REST Example: Checking Enrollment for 3RI Multi-Party Commerce Transaction (Visa)
      • 4b: Multi-Party Commerce or OTA (MasterCard)
        • Required Fields for 3RI 4b: Multi-Party Commerce or OTA (MasterCard)
        • REST Example: Checking Enrollment for 3RI Multi-Party Commerce Transaction (Mastercard)
        • REST Example: Validating the Challenge for 3RI Multi-Party Commerce Transaction (Mastercard)
      • 4c: Multi-Party Commerce or OTA (MasterCard)
        • Required Fields for 3RI 4c: Multi-Party Commerce or OTA (MasterCard)
        • REST Example: Checking Enrollment for 3RI Multi-Party Commerce Transaction (Mastercard)
  • Testing Payer Authentication
    • Testing Process
      • Enrollment Check Response Fields
      • Authentication Validation Response Fields
    • Test Cases for 3-D Secure 2.x
      • 2.1: Frictionless Authentication Is Successful
      • 2.2: Frictionless Authentication Is Unsuccessful
      • 2.3: Stand-In Frictionless Authentication is Attempted
      • 2.4: Frictionless Authentication Is Unavailable
      • 2.5: Frictionless Authentication Is Rejected
      • 2.6: Authentication Is Not Available when Checking Enrollment
      • 2.7: Error Occurs when Checking Enrollment
      • 2.8: Time Out
      • 2.9: Step-Up Authentication Is Successful
      • 2.10: Step-Up Authentication Is Unsuccessful
      • 2.11: Step-Up Authentication Is Unavailable
      • 2.12: Error During Authentication
      • 2.13: Authentication Is Bypassed
      • 2.14: Require Method URL
    • Payer Authentication Exemption Test Cases
      • 1a: Initial/First Recurring Transaction: Fixed Amount
      • 2a: Card Authentication Failed
      • 2b: Suspected Fraud
      • 2c: Cardholder Not Enrolled in Service
      • 2d: Transaction Timed Out at the ACS
      • 2e: Non-Payment Transaction Not Supported
      • 2f: 3RI Transaction Not Supported
      • 3a: Transaction Risk Analysis Exemption: Low Value: Mastercard EMV 3-D Secure 2.1 and 2.2
      • 3b: Transaction Risk Analysis: Low Value: Visa
      • 3c: Transaction Risk Analysis: Low Value: Discover
      • 3d: Acquirer Transaction Risk Analysis: Cartes Bancaires
      • 4a: Trusted Beneficiary Prompt for Trustlist
      • 4b: Utilize Trusted Beneficiary Exemption
      • 5a-1: Identity Check Insights (ScoreRequest = N)
      • 5a-2: Identity Check Insights (ScoreRequest = Y)
    • HTTP Status Codes
  • Website Modification Reference
    • Website Modification Checklist
    • EMV 3-D Secure Services Logos
    • Informational Message Examples
  • Alternate Methods for Device Data Collection
    • Device Data Collection Overview
      • Prerequisites
      • Endpoints
    • Collecting Device Data
      • Card BIN in JWT
      • Card BIN as a POST Parameter Plus JWT
  • Upgrading Your Payer Authentication Implementation
    • Benefits
    • PSD2 Impact
      • Mandates
    • Recommended Integration
    • Migrating from EMV 3-D Secure 1.x to 2.x FAQ
  • Payer Authentication Transaction Details in the Business Center
    • Payer Authentication Search
    • Storing Payer Authentication Data
    • Searching for Payer Authentication Details
      • Enrolled Card
        • Enrollment Check
        • Authentication Validation
      • Card Not Enrolled
        • Transaction Details
  • Payer Authentication Reports
    • Payer Authentication Summary Report
      • Downloading the Report
      • Matching the Report to the Transaction Search Results
      • Interpreting the Report
      • Comparing Payer Authentication and Payment Reports
    • Payer Authentication Detail Report
      • Report Element
      • PayerAuthDetail Element
      • ProofXML Element
      • VEReq Element
      • VERes Element
      • PAReq Element
      • PARes Element
      • AuthInfo Element
      • Report Examples
  • Glossary

Required Fields for 3RI 4b: Multi-Party Commerce or OTA (MasterCard)

Required Fields

consumerAuthenticationInformation. challengeCode
Set this field value to
03
.
consumerAuthenticationInformation. deviceChannel
Set this field value to
Browser
.
consumerAuthenticationInformation. messageCategory
Set this field value to
01
.
consumerAuthenticationInformation. strongAuthentication.authenticationIndicator
Set this field value to
85
.
recurringPaymentInformation. endDate
recurringPaymentInformation. frequency
recurringPaymentInformation. numberOfPayments
recurringPaymentInformation. originalPurchaseDate
recurringPaymentInformation. sequenceNumber
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