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Mastercard Identity Check Insights (IDCI) {#pa2-use-data-only-mc-intro-idci}
============================================================================

Mastercard has an IDCI data flow so that merchants can share customer data with the issuers without going through authentication. Unlike the Data Only flow, the AReq remains at the Mastercard Directory Server. Using the device information and additional data, Mastercard calculates a risk score for the transaction that is then shared with the issuer during authorization. The additional data provided to the issuer helps the issuer make risk assessments about approving cardholder transactions. Mastercard IDCI data flows are frictionless and do not affect the customer experience.  
When sending a Mastercard IDCI check enrollment request, be sure to include all of the required fields and set the consumerAuthenticationInformation.messageCategory to `80`.  
The response from the IDCI request includes this data:
* ECI = `04`
* CAVV value
* Directory server transaction ID
* paresStatus = `U`
* Risk score
* Reason code
  {#pa2-use-data-only-mc-intro-idci_ul_pdw_v4r_cfc}  
  This data from the response must be included in the authorization request.

Endpoint
--------

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

Required Fields for Mastercard IDCI {#pa2-use-data-only-mc-reqd-fields-idci}
============================================================================

These fields are the minimum fields required when you request the Mastercard Data Only IDCI service. Under certain circumstances, a field that normally is optional might be required. The circumstance that makes an optional field required is noted.

> IMPORTANT
> Merchants should ensure that they run the device collection and ` 3-D Secure ` Method URL portions of the flow before sending in the pa_enroll request.

Required Fields
---------------

[buyerInformation.mobilePhone](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/buyer-info-aa/buyer-info-mobile-phone.md "")
:
This field is required (when available) if buyerInformation.workPhone is not used, unless market or regional mandate restricts sending this information.

[buyerInformation.workPhone](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/buyer-info-aa/buyer-info-work-phone.md "")
:
This field is required (when available) if buyerInformation.mobilePhone is not used, unless market or regional mandate restricts sending this information.

[clientReferenceInformation.code](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-code.md "")
:

[consumerAuthenticationInformation.messageCategory](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-message-category.md "")
:

[consumerAuthenticationInformation.referenceId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-reference-id.md "")
:

[customerInformation.merchantCustomerId](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/customer-info-merchant-customer-id.md "")
:

[orderInformation.amountDetails.currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-currency.md "")
:

[orderInformation.amountDetails.totalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-total-amount.md "")
:

[orderInformation.billTo.address1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-address1.md "")
:

[orderInformation.billTo.administrativeArea](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-admin-area.md "")
:

[orderInformation.billTo.country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-country.md "")
:

[orderInformation.billTo.email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-email.md "")
:

[orderInformation.billTo.firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-first-name.md "")
:

[orderInformation.billTo.lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-last-name.md "")
:

[orderinformation.billTo.locality](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-locality.md "")
:

[orderInformation.billTo.phoneNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-postal-code.md "")
:

[orderInformation.billTo.postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-postal-code.md "")
:

[paymentInformation.card.expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-year.md "")
:

[paymentInformation.card.expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-mo.md "")
:

[paymentInformation.card.number](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-number.md "")
:

[orderInformation.shipTo.address1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-shipto-address1.md "")
:

[orderInformation.shipTo.administrativeArea](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-shipto-administrative-area.md "")
:

[orderInformation.shipTo.country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-shipto-country.md "")
:

[orderInformation.shipTo.locality](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-shipto-locality.md "")
:

[orderInformation.shipTo.phoneNumber](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-shipto-phone-num.md "")
:

[orderInformation.shipTo.postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-shipto-postal-code.md "")
:
{#pa2-use-data-only-mc-reqd-fields-idci_dl_bvv_n3v_bfc}

REST Example: Mastercard IDCI {#pa2-use-data-only-mc-rest-ex-idci.dita}
=======================================================================

Request

```
{
    "clientReferenceInformation": {
        "code": "test"
        },
    "customerInformation": {
        "merchantCustomerId": "SW489TT19",
        }
    "orderInformation": {
        "amountDetails": {
            "currency": "USD",
            "totalAmount": "10.99"
            },
    "billTo": {
        "address1": "1 Market St",
        "address2": "Address 2",
        "administrativeArea": "CA",
        "country": "US",
        "locality": "san francisco",
        "firstName": "Test",
        "lastName": "Testlastname",
        "phoneNumber": "4158880000",
        "email": "test@cybs.com",
        "postalCode": "94105"
        }
    },
    "paymentInformation": {
        "card": {
            "expirationMonth": "05",
            "expirationYear": "2029",
            "number":"52XXXXXXXXXX28X5"
            }
        },
    "deviceInformation": {
        "httpAcceptBrowserValue": "data",
        "httpAcceptContent": "pa_http_user_accept_value",
        "httpBrowserLanguage": "en_us",
        "httpBrowserJavaEnabled": false,
        "httpBrowserJavaScriptEnabled": false,
        "httpBrowserColorDepth": "24",
        "httpBrowserScreenHeight": "864",
        "httpBrowserScreenWidth": "1536",
        "httpBrowserTimeDifference": "300",
        "userAgentBrowserValue": "123"
        },
    "consumerAuthenticationInformation": {
        "deviceChannel": "Browser",
        "messageCategory": "80",
        "scoreRequest": "N"
    }
}
```

Response to Successful Request

```
 {
    "clientReferenceInformation": {
        "code": "test"
    },
    "consumerAuthenticationInformation": {
        "eciRaw": "04",
        "challengeRequired": "N",
        "authenticationTransactionId": "KjNeRerYgMLXJD8gzC51",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "effectiveAuthenticationType": "FR",
        "authorizationPayload": "eyJjb250YWluZXJWZXJzaW9uIjoiMSIsImVjaSI6IjA0IiwiYXV0aGVudGljYXRpb25WYWx1ZSI6IkFKa0JCa2hnUVFBQUFFNGdTRUp5ZFFBQUFBQT0iLCJlZm
ZlY3RpdmVBdXRoVHlwZSI6IkZSIiwiYWNzT3BlcmF0b3JJRCI6Ik1lcmNoYW50QUNTIiwidGhyZWVEU1JlcXVlc3RvckNoYWxsZW5nZUluZCI6IjAxIiwidHJhbnNTd
GF0dXMiOiJVIiwidHJhbnNTdGF0dXNSZWFzb24iOiI4MCIsImRzVHJhbnNJRCI6IjQxMzVkMzljLWNiNDMtNGM0Zi04MWJmLTliMzc5N2QzYjhmOSIsImFjc1RyYW
5zSUQiOiI5OWIzODcyYy04ZTM2LTQ5ZGQtYjgyNi1iNGYwYzU4M2Y4MjUiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMi4wIiwibWVyY2hhbnROYW1lIjoiUEFUZXN0NCIsInB1
cmNoYXNlRGF0ZSI6IjIwMjUwNDI1MDUzODAwIiwicHVyY2hhc2VBbW91bnQiOiIxMDk5IiwibWVyY2hhbnRDb3VudHJ5Q29kZSI6Ijg0MCIsImFjcXVpcmVyQklOIjoiO
TkwMDMzIiwiYWNxdWlyZXJNZXJjaGFudElEIjoiZGVmYXVsdCIsInRocmVlRFNSZXF1ZXN0b3JOYW1lIjoiQ0FSMTM0NzNfUEFUZXN0NCIsInRocmVlRFNSZXF1ZXN
0b3JJRCI6IkNBUjEzNDczX2RlZmF1bHQiLCJjYXJkQnJhbmQiOiJNQVNURVJDQVJEIn0=",
        "signedParesStatusReason": "80",
        "token": "AxjzbwSTlCspnzdze9IJAEQCTRdt8KnmkC4lp/UMm2OKOPlRqQoCwAAASAee",
        "paresStatus": "U",
        "acsReferenceNumber": "CardinalACS",
        "ucafCollectionIndicator": "4",
        "ucafAuthenticationData": "AJkBBkhgQQAAAE4gSEJydQAAAAA=",
        "directoryServerTransactionId": "4135d39c-cb43-4c4f-81bf-9b3797d3b8f9",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "9c4d80a0-1624-4061-8f08-78c59b335e8c",
        "acsOperatorID": "MerchantACS",
        "ecommerceIndicator": "spa",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "99b3872c-8e36-49dd-b826-b4f0c583f825"
    },
    "id": "7455594797856844403209",
    "paymentInformation": {
        "card": {
            "bin": "520000",
            "type": "MASTERCARD"
        }
    },
    "status": "AUTHENTICATION_SUCCESSFUL",
    "submitTimeUtc": "2025-04-25T05:38:01Z"
}    
```

REST Example: Bundled Authentication and Authorization with Mastercard IDCI {#pa2-use-data-only-mc-bundle-rest-idci-ex.dita}
============================================================================================================================

Request

```
{
"clientReferenceInformation": {
    "code": "test"
    },   
"customerInformation": {
    "merchantCustomerId": "SW489TT19",
    }
"orderInformation": {
    "amountDetails": {
        "currency": "USD",
        "totalAmount": "10.99"
        },
"billTo": {
    "address1": "1 Market St",
    "address2": "Address 2",
    "administrativeArea": "CA",
    "country": "US",
    "locality": "san francisco",
    "firstName": "Test",
    "lastName": "Testlastname",
    "phoneNumber": "4158880000",
    "email": "test@cybs.com",
    "postalCode": "94105"
    }
},
"processingInformation": {
    "actionList": [
        "CONSUMER_AUTHENTICATION"
        ]
    },
"paymentInformation": {
    "card": {
        "expirationMonth": "05",
        "expirationYear": "2029",
        "number":"52XXXXXXXXXX28X5"
        }
    },
"deviceInformation": {
    "httpAcceptBrowserValue": "data",
    "httpAcceptContent": "pa_http_user_accept_value",
    "httpBrowserLanguage": "en_us",
    "httpBrowserJavaEnabled": false,
    "httpBrowserJavaScriptEnabled": false,
    "httpBrowserColorDepth": "24",
    "httpBrowserScreenHeight": "864",
    "httpBrowserScreenWidth": "1536",
    "httpBrowserTimeDifference": "300",
    "userAgentBrowserValue": "123"
    },
"consumerAuthenticationInformation": {
    "deviceChannel": "Browser",
    "messageCategory": "80",
    "scoreRequest": "N"
    }
}
```

Response to Successful Request

```
{
    "_links": {
        "authReversal": {
            "method": "POST",
            "href": "/pts/v2/payments/7455833000666819803209/reversals"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/7455833000666819803209"
        },
        "capture": {
            "method": "POST",
            "href": "/pts/v2/payments/7455833000666819803209/captures"
        }
    },
    "clientReferenceInformation": {
        "code": "test"
    },
    "consumerAuthenticationInformation": {
        "eciRaw": "04",
        "challengeRequired": "N",
        "authenticationTransactionId": "d94pknkLH4BhjWxylay1",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "effectiveAuthenticationType": "FR",
        "authorizationPayload": "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",
        "signedParesStatusReason": "80",
        "token": "Axj/7wSTlC5342kEkThJAEQs3aNWrhmzYMGDZs2cMXLhgzZMHKaLtwTRfAk0Xbgmi/pAuJaf3DJtjijj5UakLAtJyhc78bSCSJwkgAAA4wBh",
        "paresStatus": "U",
        "acsReferenceNumber": "CardinalACS",
        "ucafCollectionIndicator": "4",
        "ucafAuthenticationData": "AJkBBkhgQQAAAE4gSEJydQAAAAA=",
        "directoryServerTransactionId": "6a0f491a-b105-498f-9997-81a02b9971ca",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "319f6440-64d6-4d49-bd27-d190bd418599",
        "acsOperatorID": "MerchantACS",
        "ecommerceIndicator": "spa",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "e91a8472-24aa-44de-a54c-4aa145e7ccd3"
    },
    "id": "7455833000666819803209",
    "issuerInformation": {
        "clearingData": "6700040102F0F1"
    },
    "orderInformation": {
        "amountDetails": {
            "authorizedAmount": "10.99",
            "currency": "USD"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "brandName": "MASTERCARD",
            "type": "002"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "002"
        },
        "card": {
            "bin": "520000",
            "type": "002"
        }
    },
    "processorInformation": {
        "systemTraceAuditNumber": "061923",
        "approvalCode": "831000",
        "merchantAdvice": {
            "code": "01",
            "codeRaw": "M001"
        },
        "responseDetails": "ABC",
        "networkTransactionId": "0425MCC444569",
        "retrievalReferenceNumber": "511512061923",
        "consumerAuthenticationResponse": {
            "code": "2",
            "codeRaw": "2"
        },
        "transactionId": "0425MCC444569",
        "responseCode": "00",
        "avs": {
            "code": "Y",
            "codeRaw": "Y"
        }
    },
    "reconciliationId": "7455833000666819803209",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2025-04-25T12:15:03Z",
    "tokenInformation": {
        "additionalInformation": "0"
    }
}     
```

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