Retrieving the cardholder authentication result
Details of the transaction are available in the Merchant Back Office. A 3D Secure (or SafeKey for American Express cards) tab presents all the information necessary for understanding the result of cardholder authentication. If the tab is absent, it means that this is a non-3DS transaction.
In the Recap section, you have:
- The enrollment status of the payment method in the 3D Secure program;
- The authentication status of the cardholder;
- The final status of 3D Secure process;
- The result of the payment guarantee assessment.
The other sections provide technical information on the authentication process:
- 3D Secure v2: indicates the authentication method of the cardholder (frictionless or challenge);
- Authentication data: indicates, the merchant’s preference and the reason for the error received from the authentication service in 3DS2.
- Authentication details: lists the various events that occurred during authentication.
The following chapters will help you to interpret this information according to the different use cases.