Discover/Diners ProtectBuy

ProtectBuy is the authentication service in the Discover/Diner card network that uses the 3-D Secure protocol to authenticate customers at checkout. When you request an authorization using a supported card type and a supported processor, you can include payer authentication data in the request. The payer authentication services enable you to add payer authentication support to your website without running additional software on your server.
IMPORTANT
FDC Compass
 supports 3-D Secure 2.0 with Discover transactions.
Before implementing payer authentication for ProtectBuy, contact customer support to have your account configured for this feature.

Fields Specific to the Discover/Diner ProtectBuy Use Case

These API fields are required specifically for this use case.
consumerAuthenticationInformation.cavv
Required when payer authentication is successful.
processingInformation.commerceIndicator
Set this field to one of these values:
  • dipb
    : Successful authentication for a Discover card (3-D Secure value of
    05
    ).
  • dipb_attempted
    : Authentication was attempted for a Discover card (3-D Secure value of
    06
    ).
  • internet
    : Authentication failed or was not attempted for a Discover card (3-D Secure value of
    07
    ).
  • pb
    : Successful authentication for a Diner card (3-D Secure value of
    05
    ).
  • pb_attempted
    : Authentication was attempted for a Diner card (3-D Secure value of
    06
    ).
  • internet
    : Authentication failed or was not attempted for a Diner card (3-D Secure value of
    07
    ).

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 Discover ProtectBuy Authentication

Use these required fields to process an authorization using Discover ProtectBuy authentication.
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.
clientReferenceInformation.code
consumerAuthenticationInformation.cavv
consumerAuthenticationInformation.xid
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.administrativeArea
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.postalCode
paymentInformation.card.expirationMonth
paymentInformation.card.expirationYear
paymentInformation.card.number
paymentInformation.card.type
processingInformation.commerceIndicator
Set this field to one of these values:
  • dipb
    : Successful authentication for a Discover card (3-D Secure value of
    05
    ).
  • dipb_attempted
    : Authentication was attempted for a Discover card (3-D Secure value of
    06
    ).
  • internet
    : Authentication failed or was not attempted for a Discover card (3-D Secure value of
    07
    ).
  • pb
    : Successful authentication for a Diner card (3-D Secure value of
    05
    ).
  • pb_attempted
    : Authentication was attempted for a Diner card (3-D Secure value of
    06
    ).
  • internet
    : Authentication failed or was not attempted for a Diner card (3-D Secure value of
    07
    ).

REST Example: Processing an Authorization Using Discover ProtectBuy Authentication

Light Dark
Request
1234567891011121314151617181920212223242526272829303132333435
{"clientReferenceInformation": {
  "code": "TC50171_3"
},
"processingInformation": {
  "commerceIndicator": "dipb"
},
"paymentInformation": {
  "card": {
    "number": "60110000XXXXXXX2",
    "expirationMonth": "01",
    "expirationYear": "2026"
  }
},
"orderInformation": {
  "amountDetails": {
    "totalAmount": "100",
    "currency": "USD"
},
"billTo": {
  "firstName": "John",
  "lastName": "Smith",
  "address1": "201 S. Division St._1",
  "address2": "",
  "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
1234567891011121314151617181920212223242526272829303132333435363738394041424344454647484950515253
{"_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/6764027854656733303954/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/6764027854656733303954"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/6764027854656733303954/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "id": "6764027854656733303954",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "100.00",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "004"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "004"
    },
    "card": {
      "type": "004"
    }
  },
  "pointOfSaleInformation": {
    "terminalId": "111111"
  },
  "processorInformation": {
    "approvalCode": "888888",
    "networkTransactionId": "123456789619999",
    "transactionId": "123456789619999",
    "responseCode": "100",
    "avs": {
      "code": "X",
      "codeRaw": "I1"
    }
  },
  "reconciliationId": "60125005GE39VNT8",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2023-02-14T19:26:25Z"}