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Introduction

Depending on your business model, you might prefer working with an external Merchant Plug-In (MPI) to process 3-D Secure-proof payments.
We have designed our platform in a way that allows you to process the 3-D Secure authentication step with your external MPI and the subsequent payment via our platform

This feature is available for server-to-server integration mode only.
Make sure to check with your MPI provider that you meet both their technical and security requirements
Field V1 V2
cavv Required Required
cavvAlgorithm Required Only applicable for Carte Bancaire transactions
eci Required Required
threeDSecureVersion - Required
xid Required -
directoryServerTransactionId Required Required
schemeRiskScore - Only applicable for Carte Bancaire transactions
acsTransactionId - Required
appliedExemption - Only applicable for Carte Bancaire transactions

Use test cases

It is possible to authenticate transactions for both 3-D Secure v1 and v2 using your external MPI.
Use these CreatePayment examples to perform tests on your own:

3-D Secure version Request Response
v1
{
  "cardPaymentMethodSpecificInput": {
    "card": {
      "cvv": "451",
      "cardNumber": "4012005616165343",
      "expiryDate": "1223",
      "cardholderName": "Wile E. Coyote"
    },
    "isRecurring": false,
    "paymentProductId": 1,
    "transactionChannel": "ECOMMERCE",
    "threeDSecure": {
      "externalCardholderAuthenticationData": {
        "cavv": "AAABBEg0VhI0VniQEjRWAAAAAAA=",
        "eci": "05",
        "xid": "000007041700000006220000100001"
      }
    }
  },
  "order": {
    "amountOfMoney": {
      "currencyCode": "EUR",
      "amount": 2980
    },
    "customer": {
      "billingAddress": {
        "countryCode": "NL"
      }
    },
    "references": {
      "merchantOrderId": "123456",
      "merchantReference": "WLSmESDvuf3jtOHCO0f3cAJgPBcbJI"
    }
  }
}
{
   "creationOutput" : {
      "additionalReference" : "rohEA0gCrF60HubT3TWP",
      "externalReference" : "rohEA0gCrF60HubT3TWPiS4pjAx50R"
   },
   "payment" : {
      "id" : "000007041700000008250000100001",
      "paymentOutput" : {
         "amountOfMoney" : {
            "amount" : 2980,
            "currencyCode" : "EUR"
         },
         "references" : {
            "merchantOrderId" : "123456",
            "merchantReference" : "rohEA0gCrF60HubT3TWPiS4pjAx50R",
            "paymentReference" : "0"
         },
         "paymentMethod" : "card",
         "cardPaymentMethodSpecificOutput" : {
            "paymentProductId" : 1,
            "fraudResults" : {
               "fraudServiceResult" : "no-advice",
               "avsResult" : "0",
               "cvvResult" : "0"
            },
            "threeDSecureResults" : {
               "cavv" : "AAABBEg0VhI0VniQEjRWAAAAAAA=",
               "eci" : "5",
               "xid" : "000007041700000006220000100001"
            },
            "card" : {
               "cardNumber" : "************5343",
               "expiryDate" : "1223"
            }
         }
      },
      "status" : "PENDING_APPROVAL",
      "statusOutput" : {
         "isCancellable" : true,
         "statusCategory" : "PENDING_MERCHANT",
         "statusCode" : 600,
         "statusCodeChangeDateTime" : "20190708212550",
         "isAuthorized" : true,
         "isRefundable" : false
      }
   }
}
v2
{
  "cardPaymentMethodSpecificInput": {
    "card": {
      "cvv": "451",
      "cardNumber": "4012005616165343",
      "expiryDate": "1223",
      "cardholderName": "Wile E. Coyote"
    },
    "isRecurring": false,
    "paymentProductId": 1,
    "transactionChannel": "ECOMMERCE",
    "threeDSecure": {
      "externalCardholderAuthenticationData": {
        "cavv" : "AAABBEg0VhI0VniQEjRWAAAAAAA=",
        "cavvAlgorithm" : "X",
"directoryServerTransactionId" : "f25084f0-5b16-4c0a-ae5d-b24808a95e4b", "eci" : "05", "threeDSecureVersion" : "2.1.0", "acsTransactionId" : "abcdefghijklmnopqrstuvwxyz0123456789",
} } }, "order": { "amountOfMoney": { "currencyCode": "EUR", "amount": 2980 }, "customer": { "billingAddress": { "countryCode": "NL" } }, "references": { "merchantOrderId": "123456", "merchantReference": "oGPc8xJURfpFitBa6ORrpkBuPoGpvD" } } }
{
   "creationOutput" : {
      "additionalReference" : "VjM0O0U7BOE3brdOK0Ec",
      "externalReference" : "VjM0O0U7BOE3brdOK0Ecik4VAuJlUJ"
   },
   "payment" : {
      "id" : "000007041700000008210000100001",
      "paymentOutput" : {
         "amountOfMoney" : {
            "amount" : 2980,
            "currencyCode" : "EUR"
         },
         "references" : {
            "merchantOrderId" : "123456",
            "merchantReference" : "VjM0O0U7BOE3brdOK0Ecik4VAuJlUJ",
            "paymentReference" : "0"
         },
         "paymentMethod" : "card",
         "cardPaymentMethodSpecificOutput" : {
            "paymentProductId" : 1,
            "fraudResults" : {
               "fraudServiceResult" : "no-advice",
               "avsResult" : "0",
               "cvvResult" : "0"
            },
            "threeDSecureResults" : {
               "cavv" : "AAABBEg0VhI0VniQEjRWAAAAAAA=",
               "eci" : "05",
               "threeDSecureVersion" : "2.1.0"
            },
            "card" : {
               "cardNumber" : "************5343",
               "expiryDate" : "1223"
            }
         }
      },
      "status" : "PENDING_APPROVAL",
      "statusOutput" : {
         "isCancellable" : true,
         "statusCategory" : "PENDING_MERCHANT",
         "statusCode" : 600,
         "statusCodeChangeDateTime" : "20190708195058",
         "isAuthorized" : true,
         "isRefundable" : false
      }
   }
}