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

Discover Protect Buy Test Cases for 3-D Secure 1.0

Possible Values for Discover ProtectBuy Response Fields
Result and Interpretation		Validate Authentication Response
		Authentication Result	ECI	Commerce Indicator	Status
Success	Successful authentication.	0	05	dipb	AUTHENTICATION_SUCCESSFUL
Success	Recorded attempt to authenticate.	1	06	dipb_attempted	AUTHENTICATION_SUCCESSFUL
Failure (Customer not responsible)	System error that prevents the completion of authentication: you can proceed with authorization, but there is no liability shift.	6	¹	— ²	AUTHENTICATION_SUCCESSFUL
	Issuer unable to perform authentication.	6	07	internet	AUTHENTICATION_SUCCESSFUL
	Incomplete or unavailable authentication.		07	internet
	Invalid PARes.	-1	—	—	AUTHENTICATION_FAILED
Failure (Customer responsible)	Authentication failed or cardholder did not complete authentication. If the authentication fails, Visa requires that you do not accept the card. You must ask the customer to use another payment method.	9	—	—	AUTHENTICATION_FAILED
1 The ECI value can vary depending on the reason for the failure. 2 A dash (—) indicates that the field is blank or absent.

Test Case 68: Discover ProtectBuy Card Enrolled: Successful Authentication
Card Number	601100 00 0000 0004
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Status	PENDING_AUTHENTICATION	Status	AUTHENTICATION_SUCCESSFUL
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		Cardholder is authenticated.
Details	ACS URL	URL	Authentication result	0
	PAReq	PAReq value	CAVV	CAVV value
	proofXML	proofXML value	E-commerce indicator	dipb
	VERes enrolled	Y	ECI	05
	XID	XID value	PARes status	Y
			XID	XID value
Action	Add the signed PARes to the Validate Authentication request. Ensure that the XID from the enrollment check matches that from the authentication validation. Add the CAVV and ECI values to your authorization request.

Test Case 69: Discover ProtectBuy Card Enrolled: Successful Authentication but Invalid PARes
Card Number	601100 00 0000 0012
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Status	PENDING_AUTHENTICATION	Status	AUTHENTICATION_FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		We encountered a payer authentication problem: PARes signature digest value mismatch. PARes message has been modified.
Details	ACS URL	URL value	Authentication result	-1
	PAReq	PAReq value	XID	XID value
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Do not proceed with authorization. Instead, ask the customer for another form of payment.

Test Case 70: Discover ProtectBuy Card Enrolled: Attempts Processing
Card Number	601100 00 0000 0038	Card enrollment option during purchase process
Auth. Type	Activation during shopping
Results	Check Enrollment		Validate Authentication
Summary	Status	PENDING_AUTHENTICATION	Status	AUTHENTICATION_SUCCESSFUL
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		Cardholder is authenticated.
Details	ACS URL	URL value	Authentication result	1
	PAReq	PAReq value	CAVV	CAVV value
	proofXML	proofXML value	E-commerce indicator	dipb_attempted
	VERes enrolled	Y	ECI	06
	XID	XID value	PARes status	A
			XID	XID value
Action	If you request Validate Authentication and authorization services separately, follow these steps: Add the signed PARes to the validation request. Ensure that the XID from the enrollment check matches that from the authentication validation. Add the CAVV and ECI values to your authorization request. If you request the Validate Authentication and authorization services together, the process described above occurs automatically.

Test Case 71: Discover ProtectBuy Card Enrolled: Incomplete Authentication
Card Number	601100 00 0000 0103
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Status	PENDING_AUTHENTICATION	Status	AUTHENTICATION_SUCCESSFUL
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		Issuer unable to perform authentication. Cardholder is authenticated.
Details	ACS URL	URL value	Authentication result	6
	PAReq	PAReq value	E-commerce indicator	internet
	proofXML	proofXML value	ECI	07
	VERes enrolled	Y	PARes status	U
	XID	XID value	XID	XID value
Action	Ask the customer for another form of payment, or submit the transaction. No liability shift.

Test Case 72: Discover ProtectBuy Card Enrolled: Unsuccessful Authentication
Card Number	601100 00 0000 0020
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Status	PENDING_AUTHENTICATION	Status	AUTHENTICATION_FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		User failed authentication. Payer cannot be authenticated.
Details	ACS URL	URL value	Authentication result	9
	PAReq	PAReq value	PARes status	N
	proofXML	proofXML value	XID	XID value
	VERes enrolled	Y
	XID	XID value
Action	You are not permitted to submit this transaction for authorization. Instead ask the customer for another form of payment.

Test Case 73: Discover ProtectBuy Card Enrolled: Unavailable Authentication
Card Number	601100 00 0000 0061
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Status	AUTHENTICATION_SUCCESSFUL
Summary	The cardholder is enrolled in Payer Authentication. Authenticate the cardholder before continuing with the transaction.
Details	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	U
Action	Submit your authorization request. No liability shift.

Test Case 74: Discover ProtectBuy Card Enrolled: Authentication Error
Card Number	601100 00 0000 0095
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Status	PENDING_AUTHENTICATION	Status	AUTHENTICATION_FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		We encountered a payer authentication problem: Error Processing PARes.
Details	ACS URL	URL value	E-commerce indicator	internet
	PAReq	PAReq value	ECI	07
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Ask the customer for another form of payment. No liability shift.

Test Case 75: Discover ProtectBuy Card Not Enrolled
Card Number	601100 00 0000 0053
Auth. Type	Non-participating bank
Results	Check Enrollment		Validate Authentication
Summary	Status	AUTHENTICATION_SUCCESSFUL
Summary	The cardholder is enrolled in Payer Authentication. Authenticate the cardholder before continuing with the transaction.
Details	E-commerce indicator	internet
	ECI	07
	proofXML	proofXML value
	VERes enrolled	N
Action	Submit the transaction.

Test Case 76: Discover ProtectBuy Enrollment Check: Time-Out
Card Number	601100 00 0000 0046
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Status	AUTHENTICATION_SUCCESSFUL
Summary	The cardholder is enrolled in Payer Authentication. Authenticate the cardholder before continuing with the transaction.
Details	E-commerce indicator	internet
Details	proofXML	proofXML value
Action	After 10-12 seconds, proceed with the authorization request. No liability shift.

Test Case 77: Discover ProtectBuy Enrollment Check Error
Card Number	601100 00 0000 0087 601100 00 0000 0079	Error response Incorrect Configuration: Unable to Authenticate
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Status	AUTHENTICATION_SUCCESSFUL
Summary	The cardholder is enrolled in Payer Authentication. Authenticate the cardholder before continuing with the transaction.
Details	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	U
Action	Proceed with the authorization request, and contact your support representative to resolve the issue. No liability shift. If you requested payer authentication and authorization together, the authorization is processed automatically.