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

Payer Authentication Exemption Test Cases

On This Page

Test Case 1a: Initial/First Recurring Transaction - Fixed Amount

Test Case 2a: Card Authentication Failed

Test Case 2b: Suspected Fraud

Test Case 2c: Cardholder Not Enrolled in Service

Test Case 2d: Transaction Timed Out at the ACS

Test Case 2e: Non-Payment Transaction Not Supported

Test Case 2f: 3RI Transaction Not Supported

Test Case 3a: Transaction Risk Analysis Exemption - Low Value - Mastercard

Test Case 3a: Transaction Risk Analysis Exemption - Low Value - Mastercard EMV 3-D Secure 2.1 and 2.2

Test Case 3b-Transaction Risk Analysis Low Value - Visa

Test Case 3c: Transaction Risk Analysis-Low Value-Discover

Test Case 3d: Acquirer Transaction Risk Analysis-Cartes Bancaires

Test Case 4a: Trusted Beneficiary Prompt for Trustlist

Test Case 4b: Utilize Trusted Beneficiary Exemption

Test Case 5a-1: Identity Check Insights (ScoreRequest = N)

Test Case 5a-2: Identity Check Insights (ScoreRequest = Y)

These test cases cover payer authentication scenarios that can occur outside of typical testing. These special use cases might require including additional API fields to accommodate different data that is necessary for that test.