Card registration without payment

Payment process

Initialization of the payment session

This use case requires the creation of a formToken via a call to the Charge/CreateToken Web Service.

Method POST
Entry point https://api.systempay.fr/api-payment/V4/Charge/CreateToken

No specific fields are necessary in order to benefit from the 3D Secure protection.

Under PSD2, strong authentication is required when registering a card.

The strongAuthentication field is ignored and a strong authentication request is automatically made.

Response analysis

At the end of the operation, the gateway returns a Payment object to the notification URL of the merchant website and to the JavaScript client.

Here is a list of attributes describing the cardholder authentication result according to the use case:

Use case Returned fields
Transaction with successful strong authentication
  • authenticationResponse.value.status = SUCCESS: Successful authentication
  • authenticationResponse.value.authenticationType = CHALLENGE (Value returned in 3DS1 and 3DS2).
  • authenticationResponse.value.commerceIndicator = 5 (Visa or AMEX) or 02 (Mastercard).
  • authenticationResponse.value.extension.authenticationType = THREEDS_V1 or THREEDS_V2.
  • transactionDetails.liabilityShift = YES: The payment is guaranteed.
  • transactions.effectiveStrongAuthentication = ENABLED: The cardholder has successfully authenticated.
Transaction with frictionless authentication successfully completed, the merchant has the “Frictionless 3DS2” option and has requested authentication without cardholder interaction.

  • authenticationResponse.value.status = SUCCESS: Successful authentication

  • authenticationResponse.value.authenticationType = FRICTIONLESS.

  • authenticationResponse.value.commerceIndicator = 5 (Visa or AMEX) or 02 (Mastercard).
  • authenticationResponse.value.extension.authenticationType = THREEDS_V2.

  • transactionDetails.liabilityShift = NO: The payment is not guaranteed.

  • transactions.effectiveStrongAuthentication = ENABLED: The cardholder has successfully authenticated.
Transaction with frictionless authentication successfully completed, the merchant has not requested authentication without cardholder interaction.

  • authenticationResponse.value.status = SUCCESS: Successful authentication

  • authenticationResponse.value.authenticationType = FRICTIONLESS.

  • authenticationResponse.value.commerceIndicator = 5 (Visa or AMEX) or 02 (Mastercard).
  • authenticationResponse.value.extension.authenticationType = THREEDS_V2.

  • transactionDetails.liabilityShift = YES: The payment is guaranteed.

  • transactions.effectiveStrongAuthentication = ENABLED: The cardholder has successfully authenticated.
Transaction with failed 3D Secure authentication

  • authenticationResponse.value.status = FAILED: Authentication error

  • authenticationResponse.value.authenticationType = CHALLENGE.

  • authenticationResponse.value.commerceIndicator = null
  • authenticationResponse.value.extension.authenticationType = THREEDS_V1 or THREEDS_V2.
  • authenticationResponse.value.reason.code = CARD_AUTHENTICATION_FAILED: Refusal of the authentication by the issuer.

  • transactionDetails.liabilityShift = null: The payment is not guaranteed.

  • transactions.effectiveStrongAuthentication = DISABLED: cardholder authentication failed.
Card not enrolled

  • authenticationResponse.value.status = NOT_ENROLLED: Cardholder not enrolled

  • authenticationResponse.value.authenticationType = null

  • authenticationResponse.value.commerceIndicator = null
  • authenticationResponse.value.extension.authenticationType = THREEDS_V1.

  • transactionDetails.liabilityShift = NO: The payment is not guaranteed.

  • transactions.effectiveStrongAuthentication = DISABLED: cardholder authentication failed.