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Simple Order API
Integrating Payer Authentication into Your Business
You can integrate payer authentication services into your existing business
processes whether you are currently using 3-D Secure 1.0 or you are new to payer
authentication.
There are three
four
types of integration available:- Cardinal Cruise Direct Connection API: This is the most recently developed integration method and is the method that is recommended for most merchants.
- SDK: This integration method is used for implementing payer authentication in your Android and iOS mobile applications.
- Hybrid: This older integration method is still supported for customers but is not recommended for new customers.
- Standard: This older integration method is still supported for customers but is not recommended for new customers.
The SDK integration is designed for 3-D Secure 2.x transactions only; however, support
for 3-D Secure 1.0 is available until October 2022. If you are currently using 3-D
Secure 1.0, you need to upgrade to 3-D Secure 2.0. (See Upgrading Your Payer Authentication Implementation.) Most card networks have announced
their intention to stop supporting 3-D Secure 1.0 by October 2022. After that, no
transactions can use 3-D Secure 1.0. We recommend updating to the Cardinal Cruise Direct
Connection API solution to meet EMVCo 3-D Secure protocols and ensure a smooth
experience for your cardholders.
You can also use
Secure Acceptance
to enable 3-D Secure 2.x for payer
authentication services. For more information, see Using Secure Acceptance with Payer Authentication.