3DS2 - Authentication rejected
To test this scenario, use the card number below:
| CARD | Expiry date | Label |
|---|---|---|
| 4970110000000401 | To be chosen | VISA |
Exchange flow
1. Call the V4.1/PCI/Charge/CreatePayment Web Service with a 3DS2 enrolled card.
{
"amount": "990",
"currency": "EUR",
"paymentForms": [
{
"pan": "4970110000000401",
"expiryMonth": 11,
"expiryYear": 23,
"securityCode": "123",
"paymentMethodType": "CARD"
}
],
"customer": {
"email": "sample@example.com"
}
}Response
{
"webService":"PCI/Charge/CreatePayment",
"version":"V4",
(...)
"answer":{
"operationSessionId":"30641640cba14eab8e6766094fd201da",
"operationUrl":"https://api.systempay.fr/api-payment/V4/Charge/Public/Authenticate/Payment/Session/30641640cba14eab8e6766094fd201da;JSESSIONID=7A4beEA2d5fdbFeA7389F3B91a7bDBaBc8DA9df5.default-hostname",
"_type":"V4/PCI/Authentication/AuthenticationSessionResponse"
}
}In the example :
answer.operationUrl: "https://api.systempay.fr/api-payment/V4/Charge/Public/Authenticate/Payment/Session/30641640cba14eab8e6766094fd201da;JSESSIONID=7A4beEA2d5fdbFeA7389F3B91a7bDBaBc8DA9df5.default-hostname"Pass the
operationUrlfield to the JS library'skr-authenticate.jsauthentication method (more info: undefined).
2. Payment platform server returns with payment result (payment refused).
"answer":{
"shopId": "12345678",
"orderCycle": "CLOSED",
"orderStatus": "UNPAID",
"serverDate": "2023-05-24T14:16:27+00:00",
"orderDetails": {
"orderTotalAmount": 990,
"orderEffectiveAmount": 990,
"orderCurrency": "EUR",
"mode": "TEST",
"orderId": null,
"metadata": null,
"_type": "V4/OrderDetails"
},
"customer": {
"billingDetails": {
"address": null,
"category": null,
"cellPhoneNumber": null,
"city": null,
"country": null,
"district": null,
"firstName": null,
"identityCode": null,
"identityType": 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": "54.86.50.139",
"browserUserAgent": "PostmanRuntime/7.32.2",
"_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": "298607e318d247ed8ce4fc8b43d2bdd1",
"amount": 990,
"currency": "EUR",
"paymentMethodType": "CARD",
"paymentMethodToken": null,
"status": "UNPAID",
"detailedStatus": "REFUSED",
"operationType": "DEBIT",
"effectiveStrongAuthentication": "DISABLED",
"creationDate": "2023-05-24T14:13:37+00:00",
"errorCode": "PSP_707",
"errorMessage": "Authentication refused by the issuer",
"detailedErrorCode": "207",
"detailedErrorMessage": "Authentication refusal from emisor for this transaction",
"metadata": null,
"transactionDetails": {
"liabilityShift": null,
"effectiveAmount": 990,
"effectiveCurrency": "EUR",
"creationContext": "CHARGE",
"cardDetails": {
"paymentSource": "EC",
"manualValidation": "NO",
"expectedCaptureDate": "2023-05-24T14:13:37+00:00",
"effectiveBrand": "VISA",
"pan": "497011XXXXXX0401",
"expiryMonth": 11,
"expiryYear": 2023,
"country": "FR",
"issuerCode": 17807,
"issuerName": "Banque Populaire Occitane",
"effectiveProductCode": null,
"legacyTransId": "909319",
"legacyTransDate": "2023-05-24T14:13:37+00:00",
"paymentMethodSource": "NEW",
"authorizationResponse": {
"amount": null,
"currency": null,
"authorizationDate": null,
"authorizationNumber": null,
"authorizationResult": null,
"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": "92ea0bff-c0f2-4c28-8637-bb093d28bea0",
"operationSessionId": "951b4c88fdce4cf7ac32fe59822724dd",
"protocol": {
"name": "THREEDS",
"version": "2.2.0",
"network": "VISA",
"challengePreference": "NO_PREFERENCE",
"simulation": true,
"_type": "V4/Charge/Authenticate/Protocol"
},
"value": {
"authenticationType": "FRICTIONLESS",
"authenticationId": {
"authenticationIdType": "dsTransId",
"value": "a9544df2-3400-4bf1-83c7-dd67ff37d51e",
"_type": "V4/Charge/Authenticate/AuthenticationId"
},
"status": "REJECTED",
"extension": {
"authenticationType": "THREEDS_V2",
"threeDSServerTransID": "92ea0bff-c0f2-4c28-8637-bb093d28bea0",
"dsTransID": "a9544df2-3400-4bf1-83c7-dd67ff37d51e",
"acsTransID": "a8338ca8-eaff-4c45-b6e7-93d68c794c12",
"transStatusReason": "10",
"requestorName": "SITE1 / SITE 2 /SITE 3",
"_type": "V4/Charge/Authenticate/AuthenticationResultExtensionThreedsV2"
},
"reason": {
"code": "STOLEN_CARD",
"_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,
"initialIssuerTransactionIdentifier": null,
"productCategory": "DEBIT",
"nature": "CONSUMER_CARD",
"_type": "V4/PaymentMethod/Details/CardDetails"
},
"paymentMethodDetails": {
"id": "497011XXXXXX0401",
"paymentSource": "EC",
"manualValidation": "NO",
"expectedCaptureDate": "2023-05-24T14:13:37+00:00",
"effectiveBrand": "VISA",
"expiryMonth": 11,
"expiryYear": 2023,
"country": "FR",
"issuerCode": 17807,
"issuerName": "Banque Populaire Occitane",
"effectiveProductCode": null,
"legacyTransId": "909319",
"legacyTransDate": "2023-05-24T14:13:37+00:00",
"paymentMethodSource": "NEW",
"authorizationResponse": {
"amount": null,
"currency": null,
"authorizationDate": null,
"authorizationNumber": null,
"authorizationResult": null,
"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"
},
"authenticationResponse": {
"id": "92ea0bff-c0f2-4c28-8637-bb093d28bea0",
"operationSessionId": "951b4c88fdce4cf7ac32fe59822724dd",
"protocol": {
"name": "THREEDS",
"version": "2.2.0",
"network": "VISA",
"challengePreference": "NO_PREFERENCE",
"simulation": true,
"_type": "V4/Charge/Authenticate/Protocol"
},
"value": {
"authenticationType": "FRICTIONLESS",
"authenticationId": {
"authenticationIdType": "dsTransId",
"value": "a9544df2-3400-4bf1-83c7-dd67ff37d51e",
"_type": "V4/Charge/Authenticate/AuthenticationId"
},
"status": "REJECTED",
"extension": {
"authenticationType": "THREEDS_V2",
"threeDSServerTransID": "92ea0bff-c0f2-4c28-8637-bb093d28bea0",
"dsTransID": "a9544df2-3400-4bf1-83c7-dd67ff37d51e",
"acsTransID": "a8338ca8-eaff-4c45-b6e7-93d68c794c12",
"transStatusReason": "10",
"requestorName": "SITE1 / SITE 2 /SITE 3",
"_type": "V4/Charge/Authenticate/AuthenticationResultExtensionThreedsV2"
},
"reason": {
"code": "STOLEN_CARD",
"_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,
"initialIssuerTransactionIdentifier": null,
"_type": "V4/PaymentMethod/Details/PaymentMethodDetails"
},
"acquirerDetails": null,
"fraudManagement": {
"riskControl": [
{
"name": "SUSPECT_COUNTRY",
"result": "OK",
"_type": "V4/PaymentMethod/Details/Risk/RiskControl"
},
{
"name": "SUSPECT_IP_COUNTRY",
"result": "OK",
"_type": "V4/PaymentMethod/Details/Risk/RiskControl"
},
{
"name": "IP_FRAUD",
"result": "OK",
"_type": "V4/PaymentMethod/Details/Risk/RiskControl"
}
],
"riskAnalysis": [],
"_type": "V4/PaymentMethod/Details/FraudManagement"
},
"subscriptionDetails": {
"subscriptionId": null,
"_type": "V4/PaymentMethod/Details/SubscriptionDetails"
},
"parentTransactionUuid": null,
"mid": "1234567",
"sequenceNumber": 1,
"taxAmount": null,
"preTaxAmount": null,
"taxRate": null,
"externalTransactionId": null,
"nsu": null,
"tid": "001",
"acquirerNetwork": "CB",
"taxRefundAmount": null,
"userInfo": null,
"paymentMethodTokenPreviouslyRegistered": null,
"occurrenceType": "UNITAIRE",
"archivalReferenceId": "L14490931901",
"useCase": null,
"wallet": null,
"_type": "V4/TransactionDetails"
},
"_type": "V4/PaymentTransaction"
}
],
"subMerchantDetails": null,
"_type": "V4/Payment"
}