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Requesting the Validation Service
For enrolled cards, the next step is to make a back-end, server-to-server request for the
validation service.
When you make the validation request, you must:
- Send thepayerAuthValidateService_authenticationTransactionIDrequest 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 the payer authentication and card authorization
services at the same time. Doing so automatically sends the correct information to your
payment processor and converts the values of these fields to the proper format required
by your payment processor:
- payerAuthEnrollReply_commerceIndicator
- payerAuthValidateReply_cavv
- payerAuthValidateReply_ucafAuthenticationData
- payerAuthEnrollReply_xidandpayerAuthValidateReply_xid
If you request the services separately, 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 might 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 this card-specific information in your
authorization request.
- For Visa, American Express, JCB, Diners Club, Discover, China UnionPay, and Elo, include the CAVV.
- For Mastercard only, include the collection indicator and the AAV (also known as UCAF).
Identifier | Validation Check Response Field | Card Authorization Request Field |
|---|---|---|
E-commerce
indicator | payerAuthValidateReply_commerceIndicator | e_commerce_indicator |
Collection indicator | payerAuthValidateReply_ucafCollectionIndicator | ucaf_collection_indicator |
CAVV | payerAuthValidateReply_cavv | ccAuthService_cavv |
AAV | payerAuthValidateReply_ucafAuthenticationData | ucaf_authenticationData |
XID | payerAuthValidateReply_xid | ccAuthService_xid |
3-D Secure version | payerAuthValidateReply_specifi cationVersion | ccAuthService_paSpecificationVersion |
Directory server transaction ID | payerAuthValidateReply_directory
ServerTransactionID | ccAuthService_directoryServerTransactionID |