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Searching for Payer Authentication Details

Search the payer authentication data returned in API response fields with the Transaction Search feature in the
Smartpay Fuse Portal
.
Interpret the result of an enrollment check using this color coding.
  • If the application result appears in green, you do not need to authenticate the user. You can authorize the card immediately.
  • If the application result appears in red, the authentication failed.
  • If the application result appears in yellow, the transaction requires authentication.

Enrolling a Card

Enrolling a card consists of two steps:
  1. Checking for enrollment.
  2. Authenticating the customer.

Checking Enrollment

You can find payer authentication data on the Transaction Details page in these sections:
  • Request Information section: The enrollment check service is shown in red when the card is enrolled. You receive the corresponding response. If the card authorization service was requested at the same time, it did not run and appears in black.
  • Order Information section: When authentication is required, American Express SafeKey requires that you save the XID for later use. You do not receive an ECI, AAV, or CAVV because the authentication is not complete.
If the CAVV and ECI are not provided, and the enrollment transaction results in a challenge, authentication is required.

Authentication Validation

When an authentication is valid and the card authorization succeeds, payer authentication data appears in the Transaction Search Details window in these sections:
  • Request Information section: The validation service succeeded. A reason code 100 was returned with the corresponding response. The necessary payer authentication information was 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 might 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 a card is not enrolled, the result of the enrollment check service appears in green, and the card authorization request (if requested at the same time) proceeds normally.

Transaction Details

Enter the payer authentication transaction ID into the quick search feature to find all segments of a transaction. For a transaction in which the card is not enrolled, find payer authentication data in the Transaction Details window in these 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:
    • For Mastercard, the ECI value is 00: authentication is not required because the customer’s Mastercard card is not enrolled. Other cards have an ECI value of 07.
    • The AAV/CAVV area is empty because you receive a value only when the customer is authenticated.
    • The XID area is empty because the card is not enrolled.
You might encounter these reason codes:
465: DAUTHENTICATE
Encountered a Payer Authentication problem. Payer could not be authenticated. Authenticate the cardholder before continuing with the transaction.
475: DAUTHENTICATE​
The cardholder is enrolled in Payer Authentication.​ Authenticate the cardholder before continuing with the transaction.​
476​: DAUTHENTICATIONFAILED​
Encountered a Payer Authentication problem. Payer could not be authenticated.​ Authenticate the cardholder before continuing with the transaction.​
261​: DINVALIDDATA​
The merchant account set up is either invalid or missing on the acquirer’s gateway. ​Check the currency, acquirer ID, merchant ID configuration. If these are configured as expected, contact the acquirer​.