Requesting the Validation Service

For enrolled cards, the next step is to request the validation service. When you make the validation request, you must:

Send the

consumerAuthenticationInformation.authenticationTransactionId

request field

Send the credit card information including the PAN, currency, and expiration date (month and year).

The response that you receive contains the validation result.

It is recommended that you request both payer authentication and card authorization services at the same time. When you do so, the correct information is automatically sent to your payment processor and the values of these fields are converted to the proper format required by your payment processor:

E-commerce indicator:

consumerAuthenticationInformation.ecommerceIndicator

CAVV:

consumerAuthenticationInformation.cavv

AAV:

consumerAuthenticationInformation.ucafAuthenticationData

XID:

consumerAuthenticationInformation.xid

and

If you request the services separately, you must manually include the validation result values (Validation Check response fields) in the authorization service request (Card Authorization request fields). To receive liability shift protection, you must ensure that you pass all pertinent data for the card type and processor in your request. Failure to do so may invalidate your liability shift for that transaction. Include the electronic commerce indicator (ECI), the transaction ID (XID), the 3-D Secure version, the directory server transaction ID, and the following card-specific information in your authorization request:

For Visa, American Express, JCB, Diners Club, Discover, China UnionPay, and Elo include the CAVV (cardholder authentication verification value).

For Mastercard, include the UCAF (universal cardholder authentication field) and the collection indicator.

The following table lists these fields.

Identifier	Validation Check Response Field	Card Authorization Request Field
E-commerce indicator	consumerAuthenticationInformation.ecommerceIndicator	processingInformation.eCommerceIndicator
Collection indicator (Mastercard only)	consumerAuthenticationInformation.ucafCollectionIndicator	consumerAuthenticationInformation.ucafCollectionIndicator
CAVV (Visa and American Express only)	consumerAuthenticationInformation.cavv	consumerAuthenticationInformation.cavv
(Mastercard only. Known as UCAF)	consumerAuthenticationInformation.ucafAuthenticationData	consumerAuthenticationInformation.ucafAuthenticationData
XID	consumerAuthenticationInformation.xid	consumerAuthenticationInformation.xid
3-D Secure version	consumerAuthenticationInformation.specificationVersion	consumerAuthenticationInformation.specificationVersion
Directory server transaction ID (Not required for 3-D Secure 1.0.)	consumerAuthenticationInformation.directoryServerTransactionId	consumerAuthenticationInformation.directoryServerTransactionId