Recent Revisions to This Document

About This Guide

Introducing Payer Authentication
- Overview of Chargeback Protection
- Payer Authentication Process Flow Overview
- Integrating Payer Authentication into Your Business
- Using Secure Acceptance with Payer Authentication
- Required Merchant Information

Implementing Cardinal Cruise Direct Connection API Payer Authentication
- Prerequisites
- After Implementation and Before Go Live
- Step 1: Payer Authentication Setup Service
- Step 2: Device Data Collection Iframe
- Step 3: Payer Authentication Check Enrollment Service
- Step 4: Step-Up IFrame
- Step 5: Payer Authentication Validation Service
- Cardinal Cruise Direct Connection Integration Examples

Implementing SDK Payer Authentication
- Implementation Overview
- Process Flow for SDK Integration
- Prerequisites for SDK Implementation
- Using the Android SDK
- Using the iOS SDK
- Running Payer Authentication in SDK

Hybrid Payer Authentication
- Implementation Overview
- Process Flow for Hybrid Integration

API Fields
- Required Fields for Setting Up Payer Authentication
- Required Fields for Checking Enrollment in Payer Authentication
- Required Fields for Validating Payer Authentication

Testing Payer Authentication
- Testing Process
- Expected Results
- 3-D Secure 1.0 Testing
- Test Cases for 3-D Secure 2.x
- Payer Authentication Exemption Test Cases

Website Modification Reference
- Website Modification Checklist
- 3-D Secure Services Logos
- Informational Message Examples

Alternate Methods for Device Data Collection
- Device Data Collection Overview
- Collecting Device Data

Upgrading Your Payer Authentication Implementation
- Benefits
- PSD2 Impact
- Recommended Integration
- Migration FAQ

Payer Authentication Transaction Details in the Gateway Portal
- Payer Authentication Search
- Storing Payer Authentication Data
- Searching for Payer Authentication Details

Payer Authentication Reports
- Payer Authentication Summary Report
- Payer Authentication Detail Report

Glossary

REST API

Using the Android SDK

A Cardinal Mobile SDK is available for integrating Payer Authentication services into mobile applications running on the Android platform. Since this Android SDK only works with 3-D Secure 2.x transactions, you must provide functionality to open a WebView to handle any 3-D Secure 1.0 transactions that occur.