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Sale Bundled with Payer Authentication Enroll Service

When a customer is authenticated without a challenge, the transaction can be authorized either in the same request or in a separate authorization request. Whether authorization occurs in the same request or a separate request, the values from the check enrollment response must be passed to the authorization request to qualify for a liability shift. This section provides information on how to process a transaction combined with authentication of the cardholder that does not require additional authentication.

For more information about Payer Authentication, see the Payer Authentication Developer Guide
.

Endpoint

Production:

POST https://api.cybersource.com/pts/v2/payments

Test:

POST https://apitest.cybersource.com/pts/v2/payments

REST Example: Sale with Payer Authentication Enroll Service

Request

{
  "clientReferenceInformation": {
    "code": "4f967fde-8bf1-46d6-9a75-3b3485514cc6",
    "applicationName": "REST API",
    "applicationVersion": "1.0"
  },
  "processingInformation": {
    "capture": "true",
    "actionList": [
      "CONSUMER_AUTHENTICATION"
    ]
  },
  "orderInformation": {
    "billTo": {
      "country": "US",
      "lastName": "Name",
      "address2": "Address 2",
      "address1": "1295 Charleston Rd",
      "postalCode": "94043",
      "locality": "San Francisco",
      "administrativeArea": "CA",
      "firstName": "Noreal",
      "phoneNumber": "4158880000",
      "district": "MI",
      "buildingNumber": "123",
      "company": "Visa",
      "email": "null@email.com"
    },
    "amountDetails": {
      "totalAmount": "25",
      "currency": "aud"
    }
  },
  "paymentInformation": {
    "card": {
      "expirationYear": "2027",
      "number": "4000000000005126",
      "securityCode": "123",
      "expirationMonth": "12",
      "type": "070"
    }
  },
  "consumerAuthenticationInformation": {
    "deviceChannel": "Browser",
    "acsWindowSize": "03",
    "strongAuthentication": {
      "transactionMode": "S"
    }
  },
  "deviceInformation": {
    "userAgentBrowserValue": "chrome",
    "httpBrowserTimeDifference": "300",
    "httpBrowserScreenWidth": "100000",
    "httpBrowserScreenHeight": "100000",
    "httpBrowserLanguage": "en_us",
    "httpBrowserJavaScriptEnabled": "Y",
    "httpBrowserJavaEnabled": "N",
    "httpAcceptContent": "all",
    "httpBrowserColorDepth": "24",
    "ipAddress": "139.130.4.5",
    "httpAcceptBrowserValue": "test"
  },
  "merchantInformation": {
    "merchantDescriptor": {
      "name": "Dusit LakeView Cairo",
      "administrativeArea": "TX",
      "country": "US"
    }
  }
}

Response to a Successful Request

{
  "_links": {
    "void": {
      "method": "POST",
      "href": "/pts/v2/payments/7448728340807102712431/voids"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7448728340807102712431"
    }
  },
  "clientReferenceInformation": {
    "code": "4f967fde-8bf1-46d6-9a75-3b3485514cc6"
  },
  "consumerAuthenticationInformation": {
    "eciRaw": "05",
    "authenticationTransactionId": "TmIn2Zebtm42nWjq1YJ1",
    "strongAuthentication": {
      "OutageExemptionIndicator": "0"
    },
    "eci": "05",
    "token": "Axj//wSTk8vfEOjwJ0pvAMEs3aNHDdk4ZtGDhg3YsGTdiyaM2KbWNJ3KJRk2saTuUSEgycRPyhk2/+xcX
IKJFCAlJyeXviHR4E6U3gAA2gLd",
    "cavv": "AJkBBkhgQQAAAE4gSEJydQAAAAA=",
    "paresStatus": "Y",
    "acsReferenceNumber": "CardinalACS",
    "xid": "AJkBBkhgQQAAAE4gSEJydQAAAAA=",
    "directoryServerTransactionId": "45f774ac-c3f1-4817-88c0-d3b570bf01d5",
    "veresEnrolled": "Y",
    "threeDSServerTransactionId": "d0d14efc-0a60-4721-9acd-351348666a70",
    "acsOperatorID": "MerchantACS",
    "ecommerceIndicator": "oci",
    "specificationVersion": "2.1.0",
    "acsTransactionId": "772b5bef-121c-4af4-9397-e4c4b34eb972"
  },
  "id": "7448728340807102712431",
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "25.00",
      "authorizedAmount": "25.00",
      "currency": "aud"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "brandName": "EFTPOS",
      "type": "070"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "070"
    },
    "card": {
      "bin": "400000",
      "type": "070"
    }
  },
  "processorInformation": {
    "systemTraceAuditNumber": "408128",
    "settlementDate": "0417",
    "retrievalReferenceNumber": "408128535506",
    "consumerAuthenticationResponse": {
      "code": "2",
      "codeRaw": "2"
    },
    "responseCode": "00",
    "avs": {
      "code": "2"
    }
  },
  "reconciliationId": "7448728340807102712431",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2025-04-17T06:54:00Z"
}