Requesting the Validation Service

For enrolled cards, the next step is to request the validation service. When you make the validation request, you must:

Send the

payerAuthValidateService_authenticationTransactionID

request field

Send the credit card information including the PAN, currency, and expiration date (month and year).

The response that you receive contains the validation result.

You should request the payer authentication and card authorization services at the same time. Requesting both services simultaneously ensures that the correct information is automatically sent to your payment processor and the values of these fields are converted to the proper format required by your payment processor:

E-commerce indicator:

payerAuthEnrollReply_commerceIndicator

CAVV:

payerAuthValidateReply_cavv

AAV:

payerAuthValidateReply_ucafAuthenticationData

XID:

payerAuthEnrollReply_xid

and

payerAuthValidateReply_xid

If you request the services separately, manually include the validation result values (Validation Check response fields) in the authorization service request (Card Authorization request fields). To receive liability shift protection, ensure that you pass all pertinent data for the card type and processor in your request. Failure to do so may invalidate your liability shift for that transaction. Include the electronic commerce indicator (ECI), the transaction ID (XID), the 3-D Secure version, the directory server transaction ID, and the following card-specific information in your authorization request:

For Visa, American Express, JCB, Diners Club, Discover, China UnionPay, and Elo include the CAVV (cardholder authentication verification value).

For Mastercard, include the UCAF (universal cardholder authentication field) and the collection indicator.

This table lists these fields.

Identifier	Validation Check Response Field	Card Authorization Request Field
E-commerce indicator	payerAuthValidateReply_com merceIndicator	ccAuthService_commerceIn dicator
Collection indicator (Mastercard only)	payerAuthValidateReply_uc afCollectionIndicator	ucaf_collectionIndicator
CAVV (Visa and American Express only)	payerAuthValidateReply_ cavv	ccAuthService_cavv
(Mastercard only. Known as UCAF)	payerAuthValidateReply_uc afAuthenticationData	ucaf_authenticationData
XID	payerAuthValidateReply_xid	ccAuthService_xid
3-D Secure version	payerAuthValidateReply_sp ecificationVersion	ccAuthService_paSpecificat ionVersion
Directory server transaction ID (Not required for 3-D Secure 1.0.)	payerAuthValidateReply_dir ectoryServerTransactionID	ccAuthService_directorySer verTransactionID