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Visa Secure

Visa Secure is the authentication service in the Visa card network that uses the 3-D Secure protocol to authenticate customers at checkout. This authentication is a two-step process. First, the cardholder is authenticated by 3-D Secure. Then, the transaction is authorized based on the 3-D Secure evaluation. This section explains how to authorize a card payment based on the 3-D Secure evaluation.
Before implementing Visa Secure, contact customer support to have your account configured for this feature.

Fields Specific to the Visa Secure Use Case

These API fields are required specifically for this use case.
processingInformation.commerceIndicator
Set the value to
vbv
 for a successful authentication (3-D Secure value of
05
),
vbv_attempted
 if authentication was attempted but did not succeed (3-D Secure value of
06
), or
vbv_failure
 if authentication failed (3-D Secure value of
07
).
consumerAuthenticationInformation.cavv
Required when payer authentication is successful.

Endpoint

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments

Required Fields for Processing an Authorization Using Visa Secure

Use these required fields to process an authorization using Visa Secure.
IMPORTANT
When relaxed requirements for address data and the expiration date are being used, not all fields in this list are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. For details about relaxed requirements, see Relaxed Requirements for Address Data and Expiration Date in Payment Transactions.

Required Fields

This field is required when payer authentication is successful. Otherwise, this field is optional.
Set this field to one of these values:
  • vbv
    : Successful authentication (EMV 3-D Secure value of
    05
    ).
  • vbv_attempted
    : Authentication was attempted (EMV 3-D Secure value of
    06
    ).
  • vbv_failure
    : or
    internet
    : Authentication failed or was not attempted (EMV 3-D Secure value of
    07
    ).

REST Example: Validating and Authorizing a Transaction

Request
{
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "processingInformation": {
    "commerceIndicator": "vbv"
  },
  "paymentInformation": {
    "card": {
      "number": "41111111XXXXXXX1",
      "expirationMonth": "01",
      "expirationYear": "2026"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "100",
      "currency": "USD"
    },
    "billTo": {
      "firstName": "John",
      "lastName": "Smith",
      "address1": "201 S. Division St._1",
      "locality": "Foster City",
      "administrativeArea": "CA",
      "postalCode": "94404",
      "country": "US",
      "email": "accept@who.com",
      "phoneNumber": "6504327113"
    }
  },
  "consumerAuthenticationInformation": {
    "cavv": "1234567890987654321ABCDEFabcdefABCDEF123",
    "xid": "1234567890987654321ABCDEFabcdefABCDEF123"
  }
}
Response to a Successful Request 
{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6758954108726900304951/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6758954108726900304951"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6758954108726900304951/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "id": "6758954108726900304951",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "100.00",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "111111"
  },
  "processorInformation": {
    "approvalCode": "888888",
    "networkTransactionId": "123456789619999",
    "transactionId": "123456789619999",
    "responseCode": "100",
    "avs": {
      "code": "X",
      "codeRaw": "I1"
    }
  },
  "reconciliationId": "711764833DU1FCQD",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-02-08T22:30:11Z"
}