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Validating a Challenge
Running the Validation service compares the customer's response to the challenge from the issuing bank to
validate the customer identity.
Card-Specific Requirements
Some payment cards require additional information to be collected during a
transaction.
- payerAuthEnrollService_defaultCard
- This field is recommended for Discover ProtectBuy.
- payerAuthEnrollService_MCC
- This field is required when the card type is Cartes Bancaires.
- payerAuthEnrollService_merchantName
- This field is required for Visa Secure travel.
- payerAuthEnrollService_productCode
- This field is required for American Express SafeKey (US) when the product code isAIRfor an airline purchase).
- shipTo_street1
- This field is required only for American Express SafeKey (US).
- shipTo_street2
- This field is required only for American Express SafeKey (US)
Country-Specific Requirements
These fields are required for transactions in specific countries.
- billTo_city
- TThis field is required for transactions in the US and Canada.
- billTo_postalCode
- This field is required when thebillTo_countryfield value isUSorCA.
- billTo_state
- This field is required for transactions in the US and Canada.
- payerAuthEnrollService_merchantScore
- This field is required for transactions processed in France.
Endpoint
Set the
payerAuthValidateService_run
fields to
true
.Send the request to:
Production:
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
Test:
https://ics2wstest.ic3.com/commerce/1.x/transactionProcessor
Required Fields for Validating a Challenge
Required Fields
- card_accountNumber
- card_cardType
- card_expirationMonth
- This field is required when thecard_accountNumberfield is included.
- card_expirationYear
- This field is required when thecard_accountNumberfield is included.
- item_#_unitPrice
- This field is required when thepurchaseTotals_grandTotalAmountfield is not used.
- merchantReferenceCode
- payerAuthValidateService_authenticationTransactionID
- payerAuthValidateService_run
- purchaseTotals_currency
- purchaseTotals_grandTotalAmount
- This field is required when theitem_#_unitPricefield is not used.
Optional Fields for Validating a Challenge
These fields are optional when validating a Payer Authentication transaction. In
certain circumstances, the information provided by an optional field might be
required before a transaction can proceed. Those optional fields that are sometimes
required are listed in the required fields with the circumstance described.
- payerAuthValidateReply_authenticationBrand
- This field is used only with mada cards.
- payerAuthValidateReply_authorizationPayload
- payerAuthValidateService_credentialEncrypted
- payerAuthValidateService_responseAccessToken
- payerAuthValidateService_signedPARes
Simple Order Example: Validating a Challenge
Request
merchantID=patest merchantReferenceCode=0001 payerAuthValidateService_authenticationTransactionID=hejNPA0YQlL5gVwZ6OX0 payerAuthValidateService_run=true purchaseTotals_currency=USD purchaseTotals_grandTotalAmount=30.00
Response to Successful Request
decision=ACCEPT merchantReferenceCode=0001 payerAuthValidateReply_acsTransactionID=ff412c09-4ea8-4f37-923e-4c405fb3951c payerAuthValidateReply_authenticationResult=0 payerAuthValidateReply_authenticationStatusMessage=Success payerAuthValidateReply_cardBin=40000000 payerAuthValidateReply_cardTypeName=VISA payerAuthValidateReply_cavv=MTIzNDU2Nzg5MDEyMzQ1Njc4OTA= payerAuthValidateReply_commerceIndicator=vbv payerAuthValidateReply_directoryServerTransactionID=6c29615b-1a1e-4c13-9739-0394917163a3 payerAuthValidateReply_eci=05 payerAuthValidateReply_eciRaw=05 payerAuthValidateReply_paresStatus=Y payerAuthValidateReply_reasonCode=100 payerAuthValidateReply_specificationVersion=2.1.0 payerAuthValidateReply_threeDSServerTransactionID=2c2294e9-6b70-4b19-bedb-7b43065f20ce payerAuthValidateReply_xid=MTIzNDU2Nzg5MDEyMzQ1Njc4OTA= reasonCode=100 requestID=6001869286506329603009