Use Case: Validating and Authorizing a Transaction

The Validation service can be combined with the Authorization service so that when a customer's authentication is validated, the transaction is automatically submitted for authorization.

Fields Specific to the Visa Secure Use Case

These API fields are required specifically for this use case.
Set this field to
vbv
 for a successful authentication (EMV 3-D Secure value of
05
),
vbv_attempted
 if authentication was attempted but did not succeed (EMV 3-D Secure value of
06
), or
vbv_failure
 if authentication failed (EMV 3-D Secure value of
07
).
Required when payer authentication is successful.

Card-Specific Requirements

Some payment cards require information to be collected during a transaction.
Recommended for Discover ProtectBuy.
Required when the card type is Cartes Bancaires.
Required for American Express SafeKey (US) when the product code is
AIR
 for an airlinepurchase).
Required for Visa Secure travel.
Required only for American Express SafeKey (US).
Required only for American Express SafeKey (US)

Country-Specific Requirements

These fields are required for transactions in specific countries.
Required for transactions processed in France.
Required for transactions in US., Canada, and Mainland China.
Required when the
orderInformation.billTo.country
 field value is
US
 or
CA
.
Required for transactions in US, Canada, and Mainland China.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments

Required Fields for Processing an Authorization Using Visa Secure

Use these required fields to process an authorization using Visa Secure.
IMPORTANT
When relaxed requirements for address data and the expiration date are being used, not all fields in this list are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. For details about relaxed requirements, see Relaxed Requirements for Address Data and Expiration Date in Payment Transactions.
Required when payer authentication is successful. Otherwise, this field is optional.
Set this field to one of these values:
  • vbv
    : Successful authentication (EMV 3-D Secure value of
    05
    ).
  • vbv_attempted
    : Authentication was attempted (EMV 3-D Secure value of
    06
    ).
  • vbv_failure
    : or
    internet
    : Authentication failed or was not attempted (EMV 3-D Secure value of
    07
    ).

Optional Fields for Validating Step-Up

These fields are optional when validating a Payer Authentication transaction. In certain circumstances, the information provided by an optional field might be required before a transaction can proceed. Those optional fields that are sometimes required are listed in the required fields with the circumstance described.

REST Example: Validating and Authorizing a Transaction

Request 
        
{
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "processingInformation": {
    "commerceIndicator": "vbv"
  },
  "paymentInformation": {
    "card": {
      "number": "41111111XXXXXXX1",
      "expirationMonth": "01",
      "expirationYear": "2026"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "100",
      "currency": "USD"
    },
    "billTo": {
      "firstName": "John",
      "lastName": "Smith",
      "address1": "201 S. Division St._1",
      "locality": "Foster City",
      "administrativeArea": "CA",
      "postalCode": "94404",
      "country": "US",
      "email": "accept@who.com",
      "phoneNumber": "6504327113"
    }
  },
  "consumerAuthenticationInformation": {
  "cavv": "1234567890987654321ABCDEFabcdefABCDEF123",
    "xid": "1234567890987654321ABCDEFabcdefABCDEF123"
  }
}
Response 
        
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6758954108726900304951/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6758954108726900304951"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6758954108726900304951/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "id": "6758954108726900304951",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "100.00",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "111111"
  },
  "processorInformation": {
    "approvalCode": "888888",
    "networkTransactionId": "123456789619999",
    "transactionId": "123456789619999",
    "responseCode": "100",
    "avs": {
      "code": "X",
      "codeRaw": "I1"
    }
  },
  "reconciliationId": "711764833DU1FCQD",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-02-08T22:30:11Z"
}