Check Enrollment

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

Check Enrollment Request

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": "e704b4a3-14c8-4302-a5cc-ca6e7d0bd0a8",
        "transactionMode": "S"
    }
}

Check Enrollment 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": "DZZRorz8NoEtsaiYZgb0",
        "pareq": "eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiJhNDM2MjExYS05YmQwLTRhZjMtYmYwYi03MWE5NWQ3N2ExYzkiLCJhY3NUcmFuc0lEIjoiYzkxOGJlNGQtN2RiNy00MzRlLThhMDktMmZjZTc1NTNmYjZmIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0",
        "directoryServerTransactionId": "5daecf27-b846-4bff-969c-966e48f65bc7",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "a436211a-9bd0-4af3-bf0b-71a95d77a1c9",
        "specificationVersion": "2.1.0",
        "token": "AxjzbwSTVZPqZk18lbibADUBURxP1E9bpA6cQE1129JMvRiuHCKArAAAhACX",
        "acsTransactionId": "c918be4d-7db7-434e-8a09-2fce7553fb6f"
    },
    "errorInformation": {
        "reason": "CONSUMER_AUTHENTICATION_REQUIRED",
        "message": "The cardholder is enrolled in Payer Authentication. Please authenticate the cardholder before continuing with the transaction."
    },
    "id": "6300998173086071503003",
    "paymentInformation": {
        "card": {
            "bin": "4XXXXXXX",
            "type": "VISA"
        }
    },
    "status": "PENDING_AUTHENTICATION",
    "submitTimeUtc": "2021-08-27T21:30:17Z"
}