Enrollment and Authorization

The following is an example of an Payer Authentication Check Enrollment and Authorization request and its corresponding response using the Hybrid implementation.

Check Enrollment and Authorization Request Example

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

{
    "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": "d5180465-bae3-4df7-940d-3b029b7de81a",
        "transactionMode": "S"
    },
    "processingInformation": {
        "actionList": [
            "CONSUMER_AUTHENTICATION"
        ]
    }
}

Check Enrollment and Authorization 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": "3HHi4FeT0wsWSd1D5fv0",
        "pareq": "eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI0NDllNjg2Zi00MjdkLTQ2NTktYWYxZS0wZGY3OTk1MWMyNWIiLCJhY3NUcmFuc0lEIjoiYzg3OGUzMmEtNjk1Yi00MGNkLTg3ZTUtNWExM2U5OTAxY2JiIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0",
        "directoryServerTransactionId": "91706faf-1f43-4e8a-aa99-8bced446caac",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "449e686f-427d-4659-af1e-0df79951c25b",
        "specificationVersion": "2.1.0",
        "token": "AxjzbwSTVZPyZCW03H3+ADUBURxP1FqDpA6cQE1129JMvRiuHCKArAAAxf+Y",
        "acsTransactionId": "c878e32a-695b-40cd-87e5-5a13e9901cbb"
    },
    "errorInformation": {
        "reason": "CONSUMER_AUTHENTICATION_REQUIRED",
        "message": "The cardholder is enrolled in Payer Authentication. Please authenticate the cardholder before continuing with the transaction."
    },
    "id": "6301000422516007403006",
    "paymentInformation": {
        "card": {
            "bin": "4XXXXXXX",
            "type": "VISA"
        }
    },
    "status": "PENDING_AUTHENTICATION",
    "submitTimeUtc": "2021-08-27T21:34:02Z"
}