Use Case: Checking Enrollment in Payer Authentication

Running the Check Enrollment service identifies the customer's bank and collects data about the device that the customer is using to place the order.

Card-Specific Requirements

Some payment cards require information to be collected during a transaction.

consumerAuthenticationInformation. defaultCard: This field is recommended for Discover ProtectBuy.
consumerAuthenticationInformation.mcc: This field is required when the card type is Cartes Bancaires.
consumerAuthenticationInformation. productCode: This field is required for American Express SafeKey (U.S.) when the product code is
AIR
for an airline purchase.
merchantInformation.merchantDescriptor. name: This field is required for Visa Secure travel.
orderInformation.shipTo.addess1: This field is required only for American Express SafeKey (US).

orderInformation.shipTo.address2: This field is required only for American Express SafeKey (US.)
orderInformation.shipTo.administrativeArea: This field is required only for American Express SafeKey (US).
orderInformation.shipTo.country: This field is required only for American Express SafeKey (US).
orderInformation.shipTo.postalCode: This field is required for American Express SafeKey (US).

paymentInformation.card.type: This field is required when the card type is Cartes Bancaires, JCB, UPI, or Meeza.

These fields are required for transactions in specific countries.

consumerAuthenticationInformation. merchantScore: This field is required for transactions processed in France.
consumerAuthenticationInformation. overrideCountryCode: For Meeza transactions, this value must be set to
EG
when Egypt is not set as the country in the merchant configuration during merchant onboarding.
merchantInformation.merchantDescriptor. country: For Meeza transactions, this value must be set to
EG
when Egypt is not set as the country in the merchant configuration during merchant onboarding.
orderInformation.billTo.administrativeArea: This field is required for transactions in the US and Canada.
orderinformation.billTo.locality: This field is required for transactions in the US and Canada.
orderInformation.billTo.postalCode: This field is required when the
orderInformation.billTo.country
field value is
US
or
CA
.

orderInformation.shipTo.administrativeArea: This field is required when the
orderInformation.shipTo.country
field value is
CA
,
US
, or
China
.

orderInformation.shipTo.postalCode: This field is required when the
orderInformation.shipTo.country
field value is
US
or
CA
.

These fields are required by specific processors for transactions.

processingInformation.authorizationOptions. transactionMode: This field is required only for merchants in Saudi Arabia.

Production:

POST https://api.cybersource.com/risk/v1/authentications

Test:

POST https://apitest.cybersource.com/risk/v1/authentications