Mastercard Identity Check
Mastercard Identity Check is the authentication service in the Mastercard card network
that uses the 3-D Secure protocol in online transactions to authenticate
customers at checkout.
Mastercard Identity Check generates a unique, 32-character transaction token, called the
account authentication value (AAV) each time a Mastercard Identity Check-enabled account
holder makes an online purchase. The AAV binds the account holder to a specific
transaction. Mastercard Identity Check transactions use the universal cardholder
authentication field (UCAF) as a standard to collect and pass AAV data.
Before implementing payer authentication for Mastercard Identity Check, contact customer support to have your account configured for this feature.
FDC Nashville Global
supports 3-D
Secure 2.0 with Mastercard transactions. FDC Nashville Global
also supports the
use of digital payments in 3-D Secure 2.0 transactions when used with Mastercard
transactions. A 3-D Secure data-only flow that does not require contacting the customer
is also supported. A full liability shift is applied if the UCAF data is collected and
the ECI is set to 04
. Fields Specific to the Mastercard Identity Check Use Case
These API fields are required specifically for this use case.
- Set this field to the transaction ID returned by Mastercard Identity Check during the authentication process.
- Set this field to the Mastercard Identity Check version returned by Mastercard Identity Check during the authentication process.
- ucaf_collectionIndicator
- Set to the last digit of the raw ECI value returned from authentication. For example, if ECI=02, this value should be 2.
- Set this field to one of these values:
- spa: Successful authentication (3-D Secure value of02).
- spa: Authentication was attempted (3-D Secure value of01).
- spaorinternet: Authentication failed or was not attempted (3-D Secure value of00)
Endpoint
Set the
ccAuthService_run
field to
true
.Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.