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.
|
