Samsung Pay

Samsung Pay uses payment network tokenization to make mobile payments on Samsung devices.

CyberSource offers merchants two options for processing Samsung Pay transactions:

Merchant decryption

CyberSource decryption

Both options are available for mobile transactions and Web transactions.

The merchant decryption option enables you to decrypt the encrypted payment data from Samsung to retrieve the payment network token, the expiry date, the cryptogram, and other payment data associated with the transaction. You then submit the authorization request with the Payment Network Tokenization data as described in "Payment Network Tokenization."

The CyberSource decryption option enables you to simplify your payment processing by allowing CyberSource to decrypt the payment data for you during processing. To use this option:

Go to

Account Management > Digital Payment Solutions

and enable

Samsung Pay

Generate a public key.

In the authorization request under the paymentInformation
object, set the key
field under the fluidData
object to the formatted encrypted Samsung Pay blob. Retrieve the Samsung Pay blob from the returned Samsung Pay 3ds.data block.

Retrieve the payment data from Samsung Pay in JSON Web Encryption (JWE) format.

Encode it in Base64.

Retrieve the corresponding Key ID (KID) with encryption and set the values as:

	{
		"publicKeyHash": "kid",
		"version": "100",
		"data": "encoded data from step b above"
	}

Encode the structure in Base64.

Add the value to the key
field under the fluidData
object.

Set the descriptor
field under the fluidData
object to

RklEPUNPTU1PTi5TQU1TVU5HLklOQVBQLlBBWU1FTlQ=

Set the transactionType
field under the tokenizedCard
object to

Set the commerceIndicator
field under the processingInformation
field to

internet

for Visa,

spa

for Mastercard, and

aesk

for American Express.

Set the paymentSolution
field under the processingInformation
object to

008