Validating a Challenge When Using a Flex Microform Token

Running the Validation service identifies the customer's bank and prepares for collecting data about the device that the customer is using to place the order. In this use case, a Flex Microform token is used instead of the payment card data. Flex Microform tokens are only valid for 15 minutes.

Card-Specific Requirements

Some payment cards require specific information to be collected during a transaction.
This field is required when the card type is Cartes Bancaires, JCB, UnionPay International, or Meeza.

Country-Specific Requirements

These fields are required for transactions in specific countries.
For Meeza transactions, this value must be set to
EG
 if Egypt was not set as the country in merchant configuration during merchant onboarding.
This field is required for transactions in the US and Canada.
This field is required when the
orderInformation.billTo.country
 field value is
US
 or
CA
.
For Meeza transactions, this value must be set to
EG
 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 Validating a Challenge When Using a Flex Microform Token

These are the minimum fields required to use a Flex Microform token when you validate a Payer Authentication challenge.
Validating a Challenge When Using a Flex Microform Token

REST Example: Validating a Challenge When Using a Flex Microform Token

Request
{
    "paymentInformation": {
        "card": {
            "type": "001"
        }
    },
    "consumerAuthenticationInformation": {
        "authenticationTransactionId": "jzULqrneaqG5H3Jev780"
    }
}
Response to a Successful Request
{
    "clientReferenceInformation": {
        "code": "pavalidatecheck",
        "partner": {
            "developerId": "7891234",
            "solutionId": "89012345"
        }
    },
    "consumerAuthenticationInformation": {
        "indicator": "vbv",
        "eciRaw": "05",
        "authenticationResult": "0",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "authenticationStatusMsg": "Success",
        "eci": "05",
        "token": "AxizLwSTiUOsVuUwvt1DABEBTyDYFmPAAhMQyaSZejFczCmATUmo",
        "cavv": "AAIBBYNoEwAAACcKhAJkdQAAAAA=",
        "paresStatus": "Y",
        "xid": "AAIBBYNoEwAAACcKhAJkdQAAAAA=",
        "directoryServerTransactionId": "231b97bd-2a3d-4500-b666-fda90334e5db",
        "threeDSServerTransactionId": "1d0c7257-9bd3-4fe9-b399-8c513c88d699",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "83c7e636-3af2-4a96-9e59-7c6754127d24"
    },
    "id": "7254446789006754504003",
    "paymentInformation": {
        "card": {
            "bin": "445653",
            "type": "VISA"
        }
    },
    "status": "AUTHENTICATION_SUCCESSFUL",
    "submitTimeUtc": "2024-09-04T10:11:19Z"
}
Validating a Challenge When Using a Flex Microform Token