Transmitting merchant preferences

IMPORTANT
This functionality will only be available once 3DS2 has been enabled for your MID.

Use the vads_threeds_mpi field to transmit your preferences:
Value Description
missing or empty or 0 Management of cardholder authentication delegated to the payment gateway (domain configuration, provider, store).
  • 3DS1: Forced 3DS1 authentication.
  • 3DS2: The gateway sends the CHALLENGE REQUESTED value to the issuer.
1 Deprecated.
2
  • 3DS1: Disabled 3DS1 authentication. Requires the “Selective 3DS1” option.

    By using this value, you expose yourself to “Soft decline” refusals.

  • 3DS2: Allows to request authentication without interaction (frictionless). Requires the “Frictionless 3DS2” option.
    • For payments made in euro, if the amount is lower than €30, a request for frictionless is transmitted to the DS. If the request for frictionless is accepted by the issuer, the merchant loses the payment guarantee.

    • For payments made in euros, if the amount is greater than €30, the value transmitted by the merchant is ignored and the management of cardholder authentication is delegated to the gateway.

    • For payments made in a currency other than euro, a request for frictionless is transmitted to the DS.

If the store does not have the “Frictionless 3DS2” option, the value transmitted by the merchant is ignored and the management of cardholder authentication is delegated to the gateway.

3
  • 3DS1: Forced 3DS1 authentication.
  • 3DS2: CHALLENGE REQUESTED: 3DS Requestor Preference Allows to request strong authentication for the transaction.
4
  • 3DS1: Forced 3DS1 authentication.
  • 3DS2: CHALLENGE REQUESTED: mandate Allows to indicate that, due to regulatory reasons, strong authentication is required for the transaction.
5
  • 3DS1: Forced 3DS1 authentication.
  • 3DS2: NO PREFERENCE: Allows to indicate to the DS that the merchant does not have a preference. If the issuer decides to perform an authentication without interaction (frictionless), the payment will be guaranteed.