Payer Authentication

Recent Revisions to This Document

Payer Authentication Developer Guide

VISA Platform Connect: Specifications and Conditions for Resellers/Partners

Introduction to Payer Authentication

Why Payer Authentication Is Needed

EMV 3-D Secure 2.0

Payer Authentication Customer Workflow

Payer Authentication Merchant Workflow

Acquirer Information

Enable Merchant Account for EMV 3-D Secure

Payer Authentication Configuration Testing

Request Endpoints

Payer Authentication Integrations

Implementing Direct API for Payer Authentication

After Implementation and Before Go Live

Step 1: Setup Service

Important Response Fields

Step 2: Device Data Collection

Which Device Data is Collected

Building the Iframe

Initiating the Device Data Collection Iframe

Submitting the Device Data Collection Iframe

Receiving the Device Data Collection URL Response

Step 3: Payer Authentication Check Enrollment Service

Interpreting the Check Enrollment Response

Important Response Fields

Step 4: Step-Up Iframe

Building the Iframe Parameters

Creating the Iframe

Invoking the Iframe

Receiving the Step-Up Results

Step 5: Payer Authentication Validation Service

Interpreting the Validation Response

Redirecting Customers to Pass or Fail Message Page

Combining the Authentication and the Authorization Services

Combining Check Enrollment and the Authorization Services

Combining the Validation and the Authorization Services

Implementing SDK Payer Authentication

Implementation Overview

Process Flow for SDK Integration

Prerequisites for SDK Implementation

Mobile Device Data Collected

Using the Android SDK

Using the iOS SDK

Running Payer Authentication with SDK

Authentication Examples Using Primary Account Numbers

Setting Up Device Data Collection

Checking Enrollment in Payer Authentication

Checking Enrollment and Authorizing in Payer Authentication

Validating a Challenge

Validating and Authorizing a Transaction

Non-Payment Authentication

Examples Using 3-D Secure Data Only

Mastercard Data Only

Authentication Examples Using Digital Payment (Google Pay)

Setting Up Device Data Collection Using Digital Payment (Google Pay)

Checking Enrollment in Payer Authentication Using Digital Payment (Google Pay)

Validating a Challenge Using Digital Payment (Google Pay)

Authentication Examples Using TMS Tokens

Setting Up Device Data Collection with a TMS Token

Checking Enrollment When Using a TMS Token

Validating a Challenge When Using a TMS Token

Authentication Examples Using Flex Microform Tokens

Setting Up Device Data Collection When Using a Flex Microform Token

Checking Enrollment When Using a Flex Microform Token

Validating a Challenge When Using a Flex Microform Token

Authentication Examples Using Network Token/Tokenized Cards

Setting Up Device Data Collection with a Network Token/Tokenized Card

Checking Enrollment with a Network Token/Tokenized Card

Authentication Examples of Merchant-Initiated Transactions

Challenge Reponses to 3RI Transactions

Network-Specific Values for 3RI

1a: Initial Recurring Transaction

1b: Recurring Payments - Subsequent Transaction (Mastercard)

2a: Installment - Customer Initiated Transaction (Mastercard)

3a: Split/Partial Shipment (Mastercard)

3b: Split/Delayed Shipment (Visa)

4a: Multi-Party Commerce or OTA (Visa)

4b: Multi-Party Commerce or OTA (MasterCard)

4c: Multi-Party Commerce or OTA (MasterCard)

Testing Payer Authentication

Testing Process

Test Cases for 3-D Secure 2.x

Additional Test Cases

HTTP Status Codes

Website Modification Reference

Website Modification Checklist

EMV 3-D Secure Service Logos

Informational Message Examples

Upgrading Your Payer Authentication Implementation

Recommended Integration

Migrating from EMV 3-D Secure 1.x to 2.x FAQ

Finding Payer Authentication Transaction Details in the Business Center

Searching for Transactions

Storing Payer Authentication Data

Searching for Payer Authentication Details

Payer Authentication Reports

Payer Authentication Summary Report

Payer Authentication Detail Report