The payer authentication data that is returned in API response fields can be searched by using the Transaction Search feature in the Business Center.
With other services, green means success, red means failure, and black means that the service request did not run. However, the result of the enrollment check is interpreted differently:
  • If the card is enrolled, the application result appears in red, to indicate that you must authenticate the user before requesting card authorization.
  • If the card is not enrolled, the application result appears in green because you do not need to authenticate the user. You can authorize the card immediately.

Enrolled Card

When a card is enrolled, the process consists of two steps:
  1. Checking for enrollment
  2. Authenticating the customer

Enrollment Check

For the enrollment check for an enrolled card, payer authentication data is located in the Transaction Search Details window in the following sections:
  • Request Information section: The enrollment check service is shown in red because the card is enrolled. You receive the corresponding response information. If the card authorization service was requested at the same time, it did not run and appears in black. You can obtain additional information about related orders by clicking the links on the right (Event Search and Details).
  • Order Information section: When authentication is required, save the XID for use later. You do not receive an ECI or AAV_CAVV because the authentication is not complete.
You need to authenticate the user by requesting the validation service.

Authentication Validation

For a transaction in which the validation and the card authorization services were processed successfully, payer authentication data is located in the Transaction Search Details window in the following sections:
  • Request Information section: The validation service succeeded. A reason code 100 is returned with the corresponding response message. The necessary payer authentication information is passed to the card authorization service, which processed successfully. Both services are shown in green.
  • Order Information section: You received a value for all three parameters because the validation was successful. You may not receive an ECI value when a system error prevents the card issuer from performing the validation or when the cardholder does not complete the process.

Card Not Enrolled

When the card is not enrolled, the enrollment check service result appears in green, and the card authorization request (if requested at the same time) proceeds normally.

Transaction Details

For a transaction in which the card is not enrolled, payer authentication data is located in the Transaction Search Details window in the following sections:
  • Request Information section: the service appears in green. You can obtain additional information about related orders by clicking the link on the right.
  • Order Information section: the detailed information for the authorization service:
    • The ECI value is 1: authentication is not required because the customer’s Mastercard card is not enrolled.
    • The AAV/CAVV area is empty because you receive a value only if the customer is authenticated.
    • The XID area is empty because the card in not enrolled.