API Overview

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
- Prerequisites
- After Implementation and Before Go Live

Step 1: Setup Service
- Request Fields
- 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
- 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
- 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
- Validating a Challenge
- Validating and Authorizing a Transaction
- Non-Payment Authentication

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 Tokenized Cards
- Setting Up Device Data Collection with a Tokenized Card
- Checking Enrollment with a 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
- Payer Authentication Exemption 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
- Benefits
- PSD2 Impact
- 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

Reason Codes

Glossary

Important Response Fields

When you receive a

reason code

475

response, you also receive these fields:

payerAuthEnrollReply_stepUpUrl

discussed in Step 4: Step-Up Iframe.

payerAuthEnrollReply_accessToken

discussed in Step 4: Step-Up Iframe.

These fields contain values that are used in the Step-Up service, which runs when a customer is challenged to authenticate.