Affected use cases
- Immediate payment with card detail entry
- Payment by token
- Suggestion to register the card upon payment
- Card registration upon payment
- Card registration in buyer’s wallet (with or without payment)
Initialization of the payment session
This use case requires the creation of a formToken via a call to the Charge/CreatePayment Web Service.
No specific fields are necessary in order to benefit from the 3D Secure protection.
Use the fields below to build your request:
|amount||Amount for which authentication is requested.||Yes|
|currency||Alphanumeric code of the currency.||Yes|
This field is recommended.
|formAction||Type of desired behavior when a transaction is being created.||No|
|customer||Object containing buyer’s data.||No|
Depending on the use case (i.e. the value of the formAction field), strong authentication may be required. In this case, the strongAuthentication field is ignored.
|Use case||formAction||Strong authentication required?|
The authentication type depends on the issuer’s decision.
For payments in euro, the merchant can request an exemption from strong authentication if the amount is less than €30 and if the store has the “Frictionless 3DS2” option.
For payments made in another currency, the merchant can request authentication without interaction with the cardholder if the store has the “Frictionless 3DS2” option.
|Payment by token||PAYMENT||Strong authentication and CVV entry required.|
|Card registration upon payment||REGISTER_PAY||Strong authentication required.|
|Suggestion to register the card upon payment||ASK_REGISTER_PAY||Strong authentication required only if the buyer accepts to register their payment method.
Otherwise, the behavior is identical to the PAYMENT value.
|Payment using the buyer’s wallet||CUSTOMERWALLET||Strong authentication required only if the buyer accepts to register their payment method or if they are using an already registered card.
In all other cases, the behavior is identical to the PAYMENT value.
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||
|Transaction with frictionless authentication successfully completed, the merchant has the “Frictionless 3DS2” option and has requested authentication without cardholder interaction.||
|Transaction with frictionless authentication successfully completed, the merchant has not requested authentication without cardholder interaction.||
|Transaction with failed 3D Secure authentication||
|Card not enrolled||