Use Case: Validating Payer Authentication Using Google Pay
Running the Validation service compares the customer's response to the challenge from the issuing bank to
validate the customer identity.
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 isAIRfor 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 for transactions in US., Canada, and Mainland China.
- Required when theorderInformation.billTo.countryfield value isUSorCA.
Endpoint
Production:
POST
https://api.cybersource.com
/risk/v1/authentication-resultsTest:
POST
https://apitest.cybersource.com
/risk/v1/authentication-results
Required Fields for Validating Payer Authentication
These are the minimum fields required when validating the customer. Other fields for collecting additional information during a transaction are described in the list of optional fields. Under certain circumstances, a field that is optional might be required. The circumstance that makes an optional field required is described.
-
Required when theorderInformation.lineItems.unitPricefield is not used.
-
Required when theorderInformation.amountDetails.totalAmountfield is not used.
-
Required whenpaymentInformation.card.numberis included.
-
Required whenpaymentInformation.card.numberis included.
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 the Challenge While Using Google Pay
Request
{ "clientReferenceInformation": { "code": "" }, "orderInformation": { "amountDetails": { "currency": "USD", "totalAmount": "200.00 }, "lineItems": [ { "unitPrice": "10", "quantity": "2", "taxAmount": "32.40" } ] }, "paymentInformation": { "card": { "type": "002", "expirationMonth": "12", "expirationYear": "2025", "number": "5200000000000007" }, "fluidData": { "value":"XFx1MDAzZFwiLFwia2V5RXhwaXJhdGlvblwiOlwiMTYzMDUxNjYyODA0OVwifSIsInNpZ25hdHVyZXMiOlsiTUV VQ0lRRHlTQTV1T2t5UXQ5cFoyQlEzaXBmcGNWT0F5ZmIzM2ozUEZPQUw3K1o5S3dJZ2FjWWp2YWJpTEUyWHFkNU1 xNGphNStEVldoREttVHpoMmk1RGlnbllFQndcdTAwM2QiXX0sInByb3RvY29sVmVyc2lvbiI6IkVDdjIiLCJzaWduZW RNZXNzYWdlIjoie1wiZW5jcnlwdGVkTWVzc2FnZVwiOlwiWG5qOGxSSWhGMDVEWWdRK3hwNEE5YUhsVGE1U 2ljdUJac2w1L2NNRkJlclBBY1RzaE4zRFlOb1MvdEVkRkRYRzZJRXBpVlcxVnV6OUprejNWWGdpMzJrT21EVk9aakJ NWTFvVHdTQnA5WG53ejlLYUtOekYvRFBSTy9jbStobW9iZ2dSdmxGSStOekN5U1VNWW1hbTJjZFUyZGRZWmZH ck9nZWNSc3FrdW1tNmlMa0xGQTFJcDFrNWFRV21EUElEdTh1SnNmbWs4bzMyMlpteVdMMVVWenE0WHFkNT ZScXZoL1VFeEp3RC9HZXU5SW00M0pmblZqckVkeDE0Ykx1OUpm" } }, "consumerAuthenticationInformation": { "authenticationTransactionId": "PYffv9G3sa1e0CQr5fV0" } }
Response
{ "clientReferenceInformation": { "code": "1675288043120" }, "consumerAuthenticationInformation": { "indicator": "internet", "ucafCollectionIndicator": "0", "strongAuthentication": { "OutageExemptionIndicator": "0" }, "token": "AxjzbwSTbhMKrRswWTYSABECT9u+QBvfSB84gL2IZNJMvRiyubWAOAAA+Qxb" }, "id": "6752880430346470503954", "status": "AUTHENTICATION_SUCCESSFUL", "submitTimeUtc": "2023-02-01T21:47:23Z" }