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.
- ccAuthService_commerceIndicator
- Set the value tovbvfor a successful authentication (3-D Secure value of05),vbv_attemptedif authentication was attempted but did not succeed (3-D Secure value of06), orvbv_failureif authentication failed (3-D Secure value of07).
- ccAuthService_cavv
- Required when payer authentication is successful.
Endpoint
Set the
ccAuthService_run
field to
true
.Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.Related Information
Required Fields for Processing an Authorization Using Visa Secure
Use these required fields to process an authorization using Visa Secure.
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.
- billTo_city
- billTo_country
- billTo_email
- billTo_firstName
- billTo_lastName
- billTo_postalCode
- billTo_state
- billTo_street1
- card_accountNumber
- card_expirationMonth
- card_expirationYear
- ccAuthService_cavv
- This field is required when payer authentication is successful. Otherwise, this field is optional.
- ccAuthService_commerceIndicatorv
- Set the value of this field to one of these values:
- vbv: Successful authentication (EMV 3-D Secure value of05).
- vbv_attempted: Authentication was attempted (EMV 3-D Secure value of06).
- vbv_failure: orinternet: Authentication failed or was not attempted (EMV 3-D Secure value of07)
- ccAuthService_run
- Set the value of this field totrue.
- ccAuthService_xid
- merchant_referenceCode
- purchaseTotals_currency
- purchaseTotals_grandTotalAmount
Related Information
Simple Order Example: Processing an Authorization Using Visa Secure
Request
billTo_city=Sao Paulo billTo_country=BR billTo_email=julia@example.com billTo_firstname=Julia billTo_lastname=Fernandez billTo_postalCode=01310-000 billTo_state=SP billTo_street1=R. Augusta card_accountNumber=41111111XXXXXXXX card_expirationMonth=12 card_expirationYear=2023 ccAuthService_run=true ccAuthService_cavv=ABCDEFabcdefABCDEFabcdef0987654321234567 ccAuthService_commerceIndicator=vbv ccAuthService_xid=MID23 merchant_referenceCode=Merchant_REF purchaseTotals_currency=mxn purchaseTotals_grandTotalAmount=100
Response to a Successful Request
merchantReferenceCode=Merchant_REF request_id=6461515866500167772420 decision=ACCEPT reasonCode=100 purchaseTotals_currency=mxn ccAuthReply_cardCategory=F ccAuthService_reconciliationID=ZUDCXJO8KZRFXQJJ ccAuthReply_reasonCode=100 ccAuthReply_amount=100.00 ccAuthReply_avsCode=5 ccAuthReply_authorizationCode=570110 ccAuthReply_processorResponse=1 ccAuthReply_authorizedDateTime=2022-03-01T161947Z ccAuthReply_paymentNetworkTransactionID=111222