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About This Guide

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

Prerequisites

After Implementation and Before Go Live

Step 1: Setup Service
- Request Fields
- Important Response Fields

Step 2: Device Data Collection
- What Device Data is Collected
- Building the Iframe
- Initiating the Device Data Collection Iframe
- Submitting the Device Data Collection Iframe
- Listening for the Device Data Collection URL Response

Step 3: Payer Authentication Check Enrollment Service
- Request Fields
- 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
- Request Fields
- 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
  - Check Enrollment Response Fields and Their Equivalent Authorization Request Fields
- Combining the Validation and the Authorization Services
  - Validation Fields and their Equivalent Authorization Fields

Testing Payer Authentication
- Testing Process
  - Enrollment Check Response Fields
  - Authentication Validation Response Fields
- Test Cases for 3-D Secure 2.x
  - Test Case 2.1: Successful Frictionless Authentication
  - Test Case 2.2: Unsuccessful Frictionless Authentication
  - Test Case 2.3: Attempts Processing Frictionless Authentication
  - Test Case 2.4: Unavailable Frictionless Authentication
  - Test Case 2.5: Rejected Frictionless Authentication
  - Test Case 2.6: Authentication not Available on Lookup
  - Test Case 2.7: Enrollment Check Error
  - Test Case 2.8: Time-Out
  - Test Case 2.9: Bypassed Authentication
  - Test Case 2.10a: Successful Step-Up Authentication
  - Test Case 2.11a: Unsuccessful Step-Up Authentication
  - Test Case 2.12a: Unavailable Step-Up Authentication
  - Test Case 2.14: Require Method URL
- Payer Authentication Exemption Test Cases
  - Test Case 1a: Initial/First Recurring Transaction: Fixed Amount
  - Test Case 2a: Card Authentication Failed
  - Test Case 2b: Suspected Fraud
  - Test Case 2c: Cardholder Not Enrolled in Service
  - Test Case 2d: Transaction Timed Out at the ACS
  - Test Case 2e: Non-Payment Transaction Not Supported
  - Test Case 2f: 3RI Transaction Not Supported
  - Test Case 3a: Transaction Risk Analysis Exemption: Low Value: Mastercard EMV 3-D Secure 2.1 and 2.2
  - Test Case 3b: Transaction Risk Analysis: Low Value: Visa
  - Test Case 3c: Transaction Risk Analysis: Low Value: Discover
  - Test Case 3d: Acquirer Transaction Risk Analysis: Cartes Bancaires
  - Test Case 4a: Trusted Beneficiary Prompt for Trustlist
  - Test Case 4b: Utilize Trusted Beneficiary Exemption
  - Test Case 5a-1: Identity Check Insights (ScoreRequest = N)
  - Test Case 5a-2: Identity Check Insights (ScoreRequest = Y)

Payer Authentication Use Cases
- Use Case: Setting Up Payer Authentication
  - Required Fields for Setting Up Payer Authentication
  - Optional Fields for Setting Up Payer Authentication
  - Simple Order Example: Setting Up with Payer Authentication
- Use Case: Setup with Google Pay Use Case
  - Required Fields for Setting Up Payer Authentication
  - Optional Fields for Setting Up Payer Authentication
  - Simple Order Example: Setting Up Payer Authentication Using Google Pay
- Use Case: Checking Enrollment in Payer Authentication
  - Required Fields for Checking Enrollment in Payer Authentication
  - Optional Fields for Checking Enrollment in Payer Authentication
  - Simple Order Example: Check Enrollment
- Use Case: Checking Enrollment in Payer Authentication Using Google Pay
  - Required Fields for Checking Enrollment in Payer Authentication
  - Optional Fields for Checking Enrollment in Payer Authentication
  - Simple Order Example: Checking Enrollment in Payer Authentication Using Google Pay
- Use Case: Validating Payer Authentication
  - Required Fields for Validating Payer Authentication
  - Optional Fields for Validating Payer Authentication
  - REST Example: Validating the Challenge
  - Simple Order Example: Validating the Challenge
- Use Case: Validating Payer Authentication Using Google Pay
  - Required Fields for Validating Payer Authentication
  - Optional Fields for Validating Payer Authentication
  - Simple Order Example: Validating the Challenge When Using Google Pay
- Use Case: Validating and Authorizing a Transaction
  - Required Fields for Processing an Authorization Using Visa Secure
  - Optional Fields for Validating Payer Authentication
  - Simple Order Example: Processing an Authorization Using Visa Secure

Website Modification Reference
- Website Modification Checklist
- EMV 3-D Secure Services Logos
- Informational Message Examples

Alternate Methods for Device Data Collection
- Device Data Collection Overview
  - Prerequisites
  - Endpoints
- Collecting Device Data
  - Card BIN in JWT
  - Card BIN as a POST Parameter Plus JWT

Upgrading Your Payer Authentication Implementation
- Benefits
- PSD2 Impact
  - Mandates
- Recommended Integration
- Migrating from EMV 3-D Secure 1.x to 2.x FAQ

Payer Authentication Transaction Details in the Business Center
- Payer Authentication Search
- Storing Payer Authentication Data
- Searching for Payer Authentication Details
  - Enrolled Card
    - Enrollment Check
    - Authentication Validation
  - Card Not Enrolled
    - Transaction Details

Payer Authentication Reports
- Payer Authentication Summary Report
  - Downloading the Report
  - Matching the Report to the Transaction Search Results
  - Interpreting the Report
  - Comparing Payer Authentication and Payment Reports
- Payer Authentication Detail Report
  - Report
  - PayerAuthDetail
  - ProofXML
  - VEReq
  - VERes
  - PAReq
  - PARes
  - AuthInfo
  - Report Examples

3-D Secure 1.0 Testing
- Visa Secure 3-D Secure 1.0 Test Cases
  - Visa Secure Test Cases for 3-D Secure 1.0
- Mastercard Identity Check 3-D Secure 1.0 Test Cases
  - Mastercard Identity Check Test Cases for 3-D Secure 1.0
- Maestro 3-D Secure 1.0 Test Cases
  - Maestro Test Cases for 3-D Secure 1.0
- American Express SafeKey 3-D Secure 1.0 Test Cases
  - American Express SafeKey Test Cases for 3-D Secure 1.0
- JCB J/Secure 3-D Secure 1.0 Test Cases
  - JCB J/Secure Test Cases for 3-D Secure 1.0
- Diners Club Protect Buy 3-D Secure 1.0 Test Cases
  - Diners Club Protect Buy Test Cases for 3-D Secure 1.0
- Discover Protect Buy 3-D Secure 1.0 Test Cases
  - Discover Protect Buy Test Cases for 3-D Secure 1.0

Reason Codes

Glossary

On This Page

Introducing Payer Authentication

Payer authentication services use front-end JavaScript and back-end API services to provide authentication. Payer authentication services enable you to add support to your web store for card authentication services, including:

Visa Secure^SM

Mastercard Identity Check^®

Maestro^® (UK Domestic and international)

American Express SafeKey^SM

JCB J/Secure™

Diners Club ProtectBuy

Discover ProtectBuy

China UnionPay

Elo Compra Segura

These card authentication services deter unauthorized card use and protect you from fraudulent chargeback activity referred to as liability shift. However, payer authentication is not a fraud management service, such as Decision Manager. It is recommended that you implement a comprehensive fraud management program in addition to payer authentication services.

You can use payer authentication services with specific payment processors.

To find out if your payment processor supports this feature, see the “Payer Authentication” section in the Credit Card Services guide
.