Payer Authentication Transaction Details in the
Business Center

This section describes how to search the
Business Center
 for details of Payer Authentication transactions. Certain information about a transaction is needed when responding to a chargeback. The details about past transactions can be accessed from the Transactions screen in the Transaction Management module in the left navigation pane. This detailed data about a past transaction is stored for 12 months.

Payer Authentication Search

On the Transactions page of the Transaction Management module in the Business Center, you can search for transactions that used the payer authentication and card authorization services. When searching for transactions, there are several things to consider:
  • Search options:
    • To find the details of a transaction, enter its PA Transaction ID into the Quick Search field on the Transactions screen.
    • You can also create a payer authentication transaction ID filter, by clicking
      Add filter
       and selecting
      PA Transaction ID
       as the filter. You can then enter the transaction ID as the filter criteria.
    • The list of applications is simplified to facilitate searching for the relevant service requests.
    • Payer authentication information is available for 12 months after the transaction date.
  • Search results: the results options include the Payer Authentication transaction ID and the customer’s account number (PAN). Use the Payer Authentication transaction ID to find all parts of the transaction.
  • Payer authentication details: all transaction details are discussed under Searching for Payer Authentication Details.
Payer Authentication Transaction Details in the Business Center

Storing Payer Authentication Data

Payment card companies permit only a certain number of days between the payer authentication and the authorization request. If you settle transactions that are older than the predetermined number of days, payment card companies might require that you send them the AAV, CAVV, or the XID when a chargeback occurs. The requirements depend on the card type and the region. For more information, refer to your agreement with your payment card company. You can get this type of information from the transaction details. The pa_authentication_transaction_id is listed in the transaction log of the transaction which is accessed by clicking on the
View
 button in the Request Information section on the Transaction Details page. After your transactions are settled, you can also use this data to update the statistics of your business.
Payer Authentication Transaction Details in the Business Center

Searching for Payer Authentication Details

The payer authentication data that is returned in API response fields can be searched by using the Transaction Search feature in the
Business Center
.
With other services, green means success, red means failure, and black means that the service request did not run. The result of the enrollment check is interpreted differently:
  • If the application result appears in green, you do not need to authenticate the user. You can authorize the card immediately.
  • If the application result appears in red, it means that authentication failed.
  • If the application result appears in yellow, it means the transaction requires authentication.
Payer Authentication Transaction Details in the Business Center