3DS2 - Frictionless authentication, with 3DS Method (deprecated)
To test this scenario, use one of the card numbers below:
| CARD | Expiry date | Label |
|---|---|---|
| 4970110000001029 | To be chosen | VISA |
| 5100010000000114 | To be chosen | MASTERCARD |
| 375900000010007 | To be chosen | AMEX |
Exchange flow
1. Initial call to the PCI/Charge/CreatePayment service with a card enrolled in 3DS2.
{
"amount": "9990",
"currency": "EUR",
"paymentForms": [
{
"paymentMethodType": "CARD",
"pan": "4970110000001029",
"expiryMonth": "11",
"expiryYear": "27",
"securityCode": "123"
}
],
"device": {
"acceptHeader":"text/html,application/xhtml+xml,application/xml;q=0.9,image/avif,image/webp,image/apng,*/*;q=0.8,application/signed-exchange;v=b3;q=0.9",
"colorDepth":"24",
"deviceType":"BROWSER",
"ip":"69.89.31.226",
"javaEnabled":false,
"language":"fr-FR",
"screenHeight":"720",
"screenWidth":"1280",
"timeZoneOffset":"-60",
"userAgent":"Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/96.0.4664.45 Safari/537.36"
},
"customer": {
"email": "sample@example.com"
}
}2. Return with a FINGERPRINT instruction (3DS Method) and the session ID (operationSessionId)
{
"webService":"PCI/Charge/CreatePayment",
"version":"V4",
"applicationVersion":"5.29.0",
"serverDate":"2021-12-01T09:03:23+00:00",
"ticket":"089f3efd0c0c44bfa99bf87771324946",
"applicationProvider":"",
"metadata":null,
"status":"SUCCESS",
"mode":"TEST",
"serverUrl":"https://api.systempay.fr",
"_type":"V4/WebService/Response",
"answer":{
"id":"335b8fe2-249b-44aa-b055-65767b3b3679",
"operationSessionId":"9400b1414bb147899ec5bb1281e32141",
"protocol":{
"name":"THREEDS",
"version":"2.1.0",
"network":"VISA",
"challengePreference":"NO_PREFERENCE",
"simulation":true,
"_type":"V4/Charge/Authenticate/Protocol"
},
"value":{
"instructionType":"FORM",
"name":"FINGERPRINT",
"timeout":10,
"target":{
"element":"IFRAME",
"visible":false,
"_type":"V4/Charge/Authenticate/InstructionTarget",
"showUrl":true,
"fullscreen":false
},
"http":{
"method":"POST",
"url":"https://acs-test.com/acs/v2/3dsMethod",
"body":{
"threeDSMethodData":"eyJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIjoiaHR0cHM6Ly90bHMtcGFzcy5wYXl6ZW4uZXUvcHVibGljL3YxLzNkc3YyL25vdGlmeS8zZHNtZXRob2Q_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"
},
"_type":"V4/Charge/Authenticate/HttpRequest"
},
"_type":"V4/Charge/Authenticate/AuthenticationInstruction"
},
"_type":"V4/AuthenticationResponseData"
}
}3. Redirection to the ACS in the invisible iFrame, loading and execution of the JavaScript code of the ACS fingerprint.
The iFrame characteristics are provided in the answer.value.target object.
The form to be displayed in the iFrame is described in the answer.value.http object.
4. Return via the browser with an instruction result.
{
"eventName":"LYRA_AUTH_INSTRUCTION_RESULT",
"value":{
"name":"FINGERPRINT",
"value":"eyJjZXJ0aWZpY2F0ZSI6IlBBU1NfMS4zNy4wX0pXVCIsInR5cCI6IkpXVCIsImFsZyI6IlJTMjU2In0.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.ONUBqTVQz-mU4nfiscwk1r9uLf791X-XneK1zdgNvUgNJKzqq70tm4GraH6FkxXbk2aBYKAqAWcpJ7m42U5vyS1gzE8W-n7WjEs9Dmr0bezD8sT7Ptu-CFfWVVE-Lp9Op8Z8OFZhsg8XM9TkJQk8AZ5qAtvD2YjqBMkTlVUDppYV67TV4W2pw7imHPuP1KcGNF-U5gRuHuKI6JTpZLcjfr2fKZ8nsf2roUZqXQg7EUP1Upsw22Wirpn4s_-1FUkhJwOylB64oZHpal82F61I2srnaPpvrsY7LOjju9B_mZbzA2Li7wNN55PSeSxBmpw4KZRVdeEO6YLucPZltXyJFQ",
"protocol":{
"name":"THREEDS",
"version":"2.1.0",
"network":"VISA",
"challengePreference":"NO_PREFERENCE",
"simulation":true
}
}
}5. A new call to the PCI/Charge/CreatePayment service transmitting this result.
{
"operationSessionId": "9400b1414bb147899ec5bb1281e32141",
"instructionResult": {
"name" : "FINGERPRINT",
"protocol" : {
"name" : "THREEDS",
"network": "VISA",
"version" : "2.1.0",
"challengePreference": "NO_PREFERENCE",
"simulation": 1
},
"value":"eyJjZXJ0aWZpY2F0ZSI6IlBBU1NfMS4zNy4wX0pXVCIsInR5cCI6IkpXVCIsImFsZyI6IlJTMjU2In0.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.ONUBqTVQz-mU4nfiscwk1r9uLf791X-XneK1zdgNvUgNJKzqq70tm4GraH6FkxXbk2aBYKAqAWcpJ7m42U5vyS1gzE8W-n7WjEs9Dmr0bezD8sT7Ptu-CFfWVVE-Lp9Op8Z8OFZhsg8XM9TkJQk8AZ5qAtvD2YjqBMkTlVUDppYV67TV4W2pw7imHPuP1KcGNF-U5gRuHuKI6JTpZLcjfr2fKZ8nsf2roUZqXQg7EUP1Upsw22Wirpn4s_-1FUkhJwOylB64oZHpal82F61I2srnaPpvrsY7LOjju9B_mZbzA2Li7wNN55PSeSxBmpw4KZRVdeEO6YLucPZltXyJFQ"
}
}6. Return from the payment gateway server with the payment result.
{
"webService":"PCI/Charge/CreatePayment",
"version":"V4",
"applicationVersion":"5.29.0",
"status":"SUCCESS",
"answer":{
"shopId":"12345678",
"orderCycle":"CLOSED",
"orderStatus":"PAID",
"serverDate":"2021-12-01T09:03:27+00:00",
"orderDetails":{
"orderTotalAmount":9990,
"orderEffectiveAmount":9990,
"orderCurrency":"EUR",
"mode":"TEST",
"orderId":null,
"_type":"V4/OrderDetails"
},
"customer":{
"billingDetails":{
"address":null,
"category":null,
"cellPhoneNumber":null,
"city":null,
"country":null,
"district":null,
"firstName":null,
"identityCode":null,
"language":"FR",
"lastName":null,
"phoneNumber":null,
"state":null,
"streetNumber":null,
"title":null,
"zipCode":null,
"legalName":null,
"_type":"V4/Customer/BillingDetails"
},
"email":"sample@example.com",
"reference":null,
"shippingDetails":{
"address":null,
"address2":null,
"category":null,
"city":null,
"country":null,
"deliveryCompanyName":null,
"district":null,
"firstName":null,
"identityCode":null,
"lastName":null,
"legalName":null,
"phoneNumber":null,
"shippingMethod":null,
"shippingSpeed":null,
"state":null,
"streetNumber":null,
"zipCode":null,
"_type":"V4/Customer/ShippingDetails"
},
"extraDetails":{
"browserAccept":null,
"fingerPrintId":null,
"ipAddress":"185.244.73.2",
"browserUserAgent":"Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/96.0.4664.45 Safari/537.36",
"_type":"V4/Customer/ExtraDetails"
},
"shoppingCart":{
"insuranceAmount":null,
"shippingAmount":null,
"taxAmount":null,
"cartItemInfo":null,
"_type":"V4/Customer/ShoppingCart"
},
"_type":"V4/Customer/Customer"
},
"transactions":[
{
"shopId":"12345678",
"uuid":"a401f2dcd9a44279a17d029b5b02acff",
"amount":9990,
"currency":"EUR",
"paymentMethodType":"CARD",
"paymentMethodToken":null,
"status":"PAID",
"detailedStatus":"AUTHORISED",
"operationType":"DEBIT",
"effectiveStrongAuthentication":"DISABLED",
"creationDate":"2021-12-01T09:03:25+00:00",
"errorCode":null,
"errorMessage":null,
"detailedErrorCode":null,
"detailedErrorMessage":null,
"metadata":null,
"transactionDetails":{
"liabilityShift":"YES",
"effectiveAmount":9990,
"effectiveCurrency":"EUR",
"creationContext":"CHARGE",
"cardDetails":{
"paymentSource":"EC",
"manualValidation":"NO",
"expectedCaptureDate":"2021-12-01T09:41:34+00:00",
"effectiveBrand":"VISA",
"pan":"497011XXXXXX1029",
"expiryMonth":11,
"expiryYear":2027,
"country":"GL",
"issuerCode":17807,
"issuerName":"Banque Populaire Occitane",
"effectiveProductCode":null,
"legacyTransId":"921257",
"legacyTransDate":"2021-12-01T09:03:25+00:00",
"paymentMethodSource":"NEW",
"authorizationResponse":{
"amount":9990,
"currency":"EUR",
"authorizationDate":"2021-12-01T09:03:25+00:00",
"authorizationNumber":"3fd7e5",
"authorizationResult":"0",
"authorizationMode":"FULL",
"_type":"V4/PaymentMethod/Details/Cards/CardAuthorizationResponse"
},
"captureResponse":{
"refundAmount":null,
"refundCurrency":null,
"captureDate":null,
"captureFileNumber":null,
"effectiveRefundAmount":null,
"effectiveRefundCurrency":null,
"_type":"V4/PaymentMethod/Details/Cards/CardCaptureResponse"
},
"threeDSResponse":{
"authenticationResultData":{
"transactionCondition":null,
"enrolled":null,
"status":null,
"eci":null,
"xid":null,
"cavvAlgorithm":null,
"cavv":null,
"signValid":null,
"brand":null,
"_type":"V4/PaymentMethod/Details/Cards/CardAuthenticationResponse"
},
"_type":"V4/PaymentMethod/Details/Cards/ThreeDSResponse"
},
"authenticationResponse":{
"id":"335b8fe2-249b-44aa-b055-65767b3b3679",
"operationSessionId":"9400b1414bb147899ec5bb1281e32141",
"protocol":{
"name":"THREEDS",
"version":"2.1.0",
"network":"VISA",
"challengePreference":"NO_PREFERENCE",
"simulation":true,
"_type":"V4/Charge/Authenticate/Protocol"
},
"value":{
"authenticationType":"FRICTIONLESS",
"authenticationId":{
"authenticationIdType":"dsTransId",
"value":"6a2e4809-4bdb-4ba6-b511-20601c6bfcc1",
"_type":"V4/Charge/Authenticate/AuthenticationId"
},
"authenticationValue":{
"authenticationValueType":"CAVV",
"value":"LyUFeU5XRQ0vZ82COOICYlRl+lY=",
"_type":"V4/Charge/Authenticate/AuthenticationValue"
},
"status":"SUCCESS",
"commerceIndicator":"05",
"extension":{
"authenticationType":"THREEDS_V2",
"threeDSServerTransID":"335b8fe2-249b-44aa-b055-65767b3b3679",
"dsTransID":"6a2e4809-4bdb-4ba6-b511-20601c6bfcc1",
"acsTransID":"5355a0ea-d6b4-4751-92c8-5dcb94a53db2",
"_type":"V4/Charge/Authenticate/AuthenticationResultExtensionThreedsV2"
},
"reason":{
"_type":"V4/Charge/Authenticate/AuthenticationResultReason"
},
"_type":"V4/Charge/Authenticate/AuthenticationResult"
},
"_type":"V4/AuthenticationResponseData"
},
"installmentNumber":null,
"installmentCode":null,
"markAuthorizationResponse":{
"amount":null,
"currency":null,
"authorizationDate":null,
"authorizationNumber":null,
"authorizationResult":null,
"_type":"V4/PaymentMethod/Details/Cards/MarkAuthorizationResponse"
},
"cardHolderName":null,
"identityDocumentNumber":null,
"identityDocumentType":null,
"_type":"V4/PaymentMethod/Details/CardDetails"
},
"fraudManagement":{
"riskControl":[],
"riskAnalysis":[],
"_type":"V4/PaymentMethod/Details/FraudManagement"
},
"subscriptionDetails":{
"subscriptionId":null,
"_type":"V4/PaymentMethod/Details/SubscriptionDetails"
},
"parentTransactionUuid":null,
"mid":"9999999",
"sequenceNumber":1,
"taxAmount":null,
"preTaxAmount":null,
"taxRate":null,
"externalTransactionId":null,
"nsu":null,
"tid":"001",
"acquirerNetwork":"CB",
"taxRefundAmount":null,
"userInfo":"API REST",
"paymentMethodTokenPreviouslyRegistered":null,
"occurrenceType":"UNITAIRE",
"_type":"V4/TransactionDetails"
},
"_type":"V4/PaymentTransaction"
}
],
"subMerchantDetails":null,
"_type":"V4/Payment"
},
"ticket":"4e182d2c766e43c287a0467cf3fa581f",
"serverDate":"2021-12-01T09:03:27+00:00",
"applicationProvider":"",
"metadata":null,
"mode":"TEST",
"serverUrl":"https://api.systempay.fr",
"_type":"V4/WebService/Response"
}