Authorization with Enroll

The following are examples of an Payer Authentication Authorization with Enroll request and its corresponding response.

Authorization with Payer Authentication Enroll (Authentication Needed) Request

POST /pts/v2/payments HTTP/1.1

{
    "clientReferenceInformation": {
        "code": "3DSHarness_PAEnrollRestAPI"
    },
    "orderInformation": {
        "amountDetails": {
            "currency": "USD",
            "totalAmount": "100"
        },
        "billTo": {
            "address1": "901 metro center blvd",
            "address2": "metro 3",
            "administrativeArea": "CA",
            "country": "US",
            "locality": "san francisco",
            "firstName": "John",
            "lastName": "Doe",
            "phoneNumber": "18007097779",
            "postalCode": "94404",
            "email": "email@email.com"
        }
    },
    "paymentInformation": {
        "card": {
            "number": "4XXXXXXXXXXXXXXX",
            "type": "001",
            "expirationMonth": "01",
            "expirationYear": 2023
        }
    },
    "buyerInformation": {
        "mobilePhone": "1245789632"
    },
    "consumerAuthenticationInformation": {
        "referenceId": "eb0d0ad6-510a-4f0e-9103-e6ee5b024ae2",
        "transactionMode": "S",
        "returnUrl": "https://wv730hw7033250:3002/restapi/cardinalDirect/StepUp/Response"
    },
    "processingInformation": {
        "actionList": [
            "CONSUMER_AUTHENTICATION"
        ]
    }
}

Authorization with Payer Authentication Enroll (Authentication Needed) Response

{
    "clientReferenceInformation": {
        "code": "3DSHarness_PAEnrollRestAPI"
    },
    "consumerAuthenticationInformation": {
        "acsUrl": "https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp",
        "challengeRequired": "N",
        "stepUpUrl": "https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp",
        "authenticationTransactionId": "grmOLQpFJd6KjSqV2ow0",
        "pareq": "eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI0ZjIwZWM4ZC1iOGFiLTQ1ZDAtYjVmZC0wMDdlNzYwNDcwYjEiLCJhY3NUcmFuc0lEIjoiNTUyMGQxZDAtOGE2Yi00NGIzLTlhYmQtM2IyMDQ3NWFjODVkIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0",
        "directoryServerTransactionId": "d68cd64d-d42e-43f8-9ab0-f76d6b36f9f6",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "4f20ec8d-b8ab-45d0-b5fd-007e760470b1",
        "accessToken": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.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.PcBsuaGonlmBNmugRLJJKQ2EsrsRzibPl9o4ljLGAkM",
        "specificationVersion": "2.1.0",
        "token": "AxjzbwSTVZPc53psJ3L9ADUBURxP1DuNpA6cQE1129JMvRiuHCKArAAAzAER",
        "acsTransactionId": "5520d1d0-8a6b-44b3-9abd-3b20475ac85d"
    },
    "errorInformation": {
        "reason": "CONSUMER_AUTHENTICATION_REQUIRED",
        "message": "The cardholder is enrolled in Payer Authentication. Please authenticate the cardholder before continuing with the transaction."
    },
    "id": "6300994374466395403005",
    "paymentInformation": {
        "card": {
            "bin": "4XXXXXXX",
            "type": "VISA"
        }
    },
    "status": "PENDING_AUTHENTICATION",
    "submitTimeUtc": "2021-08-27T21:23:57Z"
}