Use Case: Setting Up Payer Authentication with Google Pay

Running the Setup service identifies the customer's bank and prepares for collecting data about the device that the customer is using to place the order. This use case demonstrates how the service works using a digital payment method like Google Pay.

Card-Specific Requirements

Some payment cards require specific information to be collected during a transaction.
Required when the card type is Cartes Bancaires, JCB, or UPI.

Country-Specific Requirements

These fields are required for transactions in specific countries.
For Meeza transactions, this value must be set to Egypt if Egypt was not set as the country in merchant configuration during merchant onboarding.
Required for transactions in the US, Canada, and Mainland China.
Required when the
orderInformation.billTo.country
 field value is
US
 or
CA
.
For Meeza transactions, this value must be set to Egypt if Egypt was not set as the country in merchant configuration during merchant onboarding.

Endpoint

Production:
POST
https://api.cybersource.com
/risk/v1/authentication-setups
Test:
POST
https://apitest.cybersource.com
/risk/v1/authentication-setups

Required Fields for Setting Up Payer Authentication

These fields are the minimum fields required when you request the Payer Authentication Setup service. Other fields that can be used to collect additional information during a transaction are listed in the optional fields section. Under certain circumstances, a field that normally is optional might be required. The circumstance that makes an optional field required is noted.
For Meeza transactions, this value must be set to Egypt if Egypt was not set as the country in merchant configuration during merchant onboarding.
For Meeza transactions, this value must be set to Egypt if Egypt was not set as the country in merchant configuration during merchant onboarding.
Required for the US, Canada, and Mainland China.
Required when the
orderInformation.billTo.country field
field value is
US
or
CA
.
Required when the card type is Cartes Bancaires, JCB, UPI, Meeza.

Optional Fields for Setting Up Payer Authentication

REST Example: Setting Up Payer Authentication Using Google Pay

Request 
        
{
  "paymentInformation": {
"fluidData" : {
      "value" : "eyJzaWduYXR1cmUiOiJNRVFDSUVhVVBmc1RIMERyMnZmeG8wVkFlZ3N2bHlSRzdENEFsYmRwa1pPdlNzZGtBaUFVO
                        DE2aHpmMG5BMzJzQmx6anlUSURyZXBHNUY1eEtlRmNnSE9aK3RML2ZRXHUwMDNkXHUwMDNkIiwiaW50ZXJtZW
                        RpYXRlU2lnbmluZ0tleSI6eyJzaWduZWRLZXkiOiJ7XCJrZXlWYWx1ZVwiOlwiTUZrd0V3WUhLb1pJemowQ0FRWUlLb1p
                        JemowREFRY0RRZ0FFOFdKSHVMOFVuWW9WWDNHV3dGVkJpcnh6L3lJdGl0aW9neWhDeGpCRm5tS3pCcWs2K3ln
                        VU5SUGF4THdaaWtILzBxV0s1QXhlc3BDNVhwN1NHNUN1T1FcXHUwMDNkXFx1MDAzZF wiLFwia2V5RXhwaXJhdG
                        lvblwiOlwiMTYzMDUxNjYyODA0OVwifSIsInNpZ25hdHVyZXMiOlsiTUVVQ0lRRHlTQTV 1T2t5UXQ5cFoyQlEzaXBmcG
                        NWT0F5ZmIzM2ozUEZPQUw3K1o5S3dJZ2FjWWp2YWJpTEUyWHFkNU1xNGphNStEVldoREttVHpoMmk1RGlnbllFQ
                        ndcdTAwM2QiXX0sInByb3RvY29sVmVyc2lvbi I6IkVDdjIiLCJzaWduZWRNZXNzYWdlIjoie1wiZW5jcnlwdGVkTWVzc2F
                        nZVwiOlwiWG5qOGxSSWhGMDVEWWdRK3hwNEE5YUhsVGE1U2ljdUJac2w1L2NNRkJlclBBY1RzaE4zRFlOb1MvdE
                        VkRkRYRzZJRXBpVlcxVnV6OUprejNWWGdpMzJrT21EVk9aakJNWTFvVHdTQnA5WG53ejlLYUtOekYvRFBSTy9jbStob
                        W9iZ2dSdmxGSStOekN5U1VNWW1hbTJjZFUyZGRZWmZHck9nZWNSc3FrdW1tNmlMa0xGQTFJcDFrNWFRV21EUE
                        lEdTh1SnNmbWs4bzMyMlpteVdMMVVWenE0WHFkNTZScXZoL1VFeEp3RC9HZXU5SW00M0pmblZqckVkeDE0Ykx1
                        OUpmMHJrcU5ONG5sM0NVZEFoMVNhZnBzdkduTVRML1Nmenk1ZGdDZlRDcHJDdW85UVZPaXVValBJNUdXRlBKS
                        WVVVVU1cUZhcis3NXFBT2dvZ0tNRUZ3OFVxL1A0UjBDcXczcFllNnc2enlaVzdDV1YxRzRMc3BITTNRaE83bFZNNmR
                        jSWZQWW00ZitubWI3UzgwY29KTXR1QjkxVEhjZzJmVXhwM2FrWEhSdzNyN3BRZk9KWWFieUlURmtieDh0Yi9ieWl6
                        VUZEVVU4S3EwTmVCVTVrQng2L21qUDg4bWxoWkE2ZERrNWJVc2o4SDBDSk9nWUtCbVgyR09vamRtTDd5YlBnTU
                        5vNnhsYjRtUzVkaTJjZUpFakFybEZFa3NWNTlsS2lodk5pckRZc1BTU2lTRFVZNjBMUXVuTEErYjFMSnpCMkpYelFcIixcI
                        mVwaGVtZXJhbFB1YmxpY0tleVwiOlwiQk84bmtEbE0ycVlCQmpQd00wbDdUTFY2UytUbzZDTFl0eXArWGM2cXpQY
                        klLTEgxVytySGh3NUlwU2lqb1lTb3VaclNuWU9LV21yRVAyYmtLMk4rTWFZXFx1MDAzZFwiLFwidGFnXCI6XCJuVU5x
                        UVlxcy9YRVlDMmg0WFlibnVpajFLb1NzUFpacEpqVGI4TVVZcUZNXFx1MDAzZFwifSJ9"
    }
  },
  "processingInformation": {
    "paymentSolution": "012"
  }
}
Response to Successful Request 
        
{
  "consumerAuthenticationInformation": {
    "accessToken": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJqdGkiOiI5MjlhZDAwYy0zZmEyLTQ5ODgtODRjNC1hYTcxMGFlY2I1
                                  OGEiLCJpYXQiOjE2Mjk4MjY5NjAsImlzcyI6IjVkZDgzYmYwMGU0MjNkMTQ5OGRjYmFjYSIsImV4cCI6MTYyOTg
                                  zMDU2MCwiT3JnVW5pdElkIjoiNWI5YzRiYjNmZjYyNmIxMzQ0ODEwYTAxIiwiUmVmZXJlbmNlSWQiOiI5NDkz
                                  ZjJiZi04NmIwLTQ0ZmYtYmJjZS0wZjU1MjNlMWIzNGEifQ.FgVbwbW9_lwnlr4ovYR5VVPuVl6CklAVHHXS_5OD
                                  skA",
    "deviceDataCollectionUrl": "https://centinelapistag.cardinalcommerce.com/V1/Cruise/Collect",
    "referenceId": "9493f2bf-86b0-44ff-bbce-0f5523e1b34a",
    "token": "AxizbwSTVW4Mj1fvsU27ABEBURxPZebOAE1IZNJMvRiuZhTA9AAA+QBf"
  },
  "id": "6298269599786696003003",
  "status": "COMPLETED",
  "submitTimeUtc": "2022-08-24T17:42:40Z"
}