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Target most up-to-date API base URL

We encourage you to always target the most up-to-date API base URL when sending requests to our platform. Have a look at our dedicated guides for a full overview:

To allow you a smooth transition, previous API base URLs remain available until further notice.

1. 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

To do so, add the following nested properties in object cardPaymentMethodSpecificInput.threeDSecure to a standard CreatePayment request. Depending on the 3-D Secure version that was rolled out, differences apply for V1 or V2

Field V1 V2
cavv Required Required
cavvAlgorithm Required Only applicable for Carte Bancaire transactions
eci Required Required
threeDSecureVersion Required Required
xid Required -
directoryServerTransactionId Required Required
schemeRiskScore -

Only applicable for Carte Bancaire transactions

acsTransactionId - Required
appliedExemption -

Only applicable for Carte Bancaire transactions

flow -

Required

If left out, our platform will populate this property with frictionless, which we will include in GetPaymentDetails responses.

Therefore, to ensure our platform data matches the actual flow that took place, we strongly recommend sending this property

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",
"flow" : "challenge"
}
}
},
"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
      }
   }
}