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 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
).
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
.

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. Refer to the Payments guide for more information about relaxed requirements in payment transactions.

Required Fields

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_commerceIndicator
Set the value of 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
    )
ccAuthService_run
Set the value of this field to
true
.
ccAuthService_xid
merchant_referenceCode
purchaseTotals_currency
purchaseTotals_grandTotalAmount

Simple Order Example: Validating and Authorizing an Authorization

Light Dark
Request
1234567891011121314151617
billTo=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==100
Response to a Successful Request
12345678910111213
=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=111222