Info
The Server-2-Server payment is for PCI DSS compliant merchant.

Chart of process flow via Server-to-Server

For the server-to-server payment processes please refer to the programming basics manual.

Overview

A 3-D Secure 2.0 payment sequence may comprise the following distinct activities:

Versioning
- Request ACS and DS Protocol Version(s) that correspond to card account range as well as an optional 3-D Secure Method URL

3-D Secure Method
- Connect the cardholder browser to the issuer ACS to obtain additional browser data
Authentication
- Submit authentication request to the issuer ACS
Challenge
- Challenge the carholder if mandated
Authorization
- Authorize the authenticated transaction with the acquirer

Server-2-Server Sequence Diagram

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Server-2-Server Sequence Diagram

Info

Please note that the the communication between client and Access Control Server (ACS) is implemented through iframes. Thus, responses arrive in an HTML subdocument and you may establish correspondent event listeners in your root document.

Alternatively you could solely rely on asynchronous notifications delivered to your backend. In those cases you may have to consider methods such as long polling, SSE or websockets to update the client.

Table of Contents

Payment initiation

The initial request to

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will be the same regardless of the underlying 3-D Secure Protocol.

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Section

Request Elements

In order to start a server-to-server 3-D Secure card payment sequence please post the following key-value-pairs to

https://paymentpage.axepta.bnpparibas/direct.aspx

Notice: For security reasons, Axepta Platform rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.

Notice: In case of a merchant initiated recurring transaction the JSON objects (besides credentialOnFile and card), the URLNotify and TermURL are not mandatory parameters, because no 3D Secure and no risk evaluation is done by the card issuing bank and the payment result is directly returned within the response.

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MultiExcerptName	request_elements

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id	1625492202586_-1877872023
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worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
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sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MerchantID
page	MerchantID
type	page

Key Format CND Description Beschreibung

MsgVer

ans..5

M

Message version.

Values accepted:

2.0

Value	Description
2.0	With 3-D Secure 2.x a lot of additional data were required (e.g. browser-information, billing/shipping-address, account-info, ...) to improve authentication processing. To handle these information the JSON-objects have been put in place to handle such data. To indicate that these data are used the MsgVer has been implemented.

Message-Version.

Zulässige Werte:

2.0

Table Excerpt Include

static	true
name	TransID
page	TransID
type	page

Key

Format

CND

Description

Beschreibung

RefNr

an..12

M

Merchant’s unique reference number, which serves as payout reference in the acquirer EPA file. Please note, without the own shop reference delivery you cannot read out the EPA transaction and regarding the additional

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settlement file (CTSF) we cannot add the additional payment data.

Notes:

Fixed length of 12 characters (only characters (A..Z, a..z) and digits (0..9) are allowed, no special characters like whitespace, underscore...)
If the number of characters entered is lower than 12, BNP will complete, starting from the left side, with "0" (Example : 000018279568)

Eindeutige Referenznummer des Händlers, welche als Auszahlungsreferenz in der entsprechenden Acquirer EPA-Datei angegeben wird. Bitte beachten Sie, ohne die Übergabe einer eigenen Auszahlungsreferenz können Sie die EPA-Transaktionen nicht zuordnen, zusätzlich kann das

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Settlement File (CTSF) auch nicht zusätzlich angereichert werden.

schemeReferenceID

ans..64

C

Card scheme specific transaction ID required for subsequent credential-on-file payments, delayed authorizations and resubmssions.

Mandatory: CredentialOnFile – initial false – unschedule MIT / recurring

Kartensystemspezifische Transaktions-ID, die für nachfolgende Zahlungen mit hinterlegten Daten, verzögerte Autorisierungen und Wiedereinreichungen erforderlich ist.

Pflicht: CredentialOnFile – initial false – unschedule MIT / recurring

Table Excerpt Include

static	true
name	Amount
page	Amount
type	page

Table Excerpt Include

static	true
name	Currency
page	Currency
type	page

Key	Format	CND	Description	Beschreibung
card	JSON	M	Card data	Kartendaten

Table Excerpt Include

static	true
name	Capture
page	Capture
type	page

Key	Format	CND	Description	Beschreibung
MAC	an64	M	Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here: HMAC Authentication (Request) HMAC Authentication (Notify)
channel	a..20	C	Indicates the type of channel interface being used to initiate the transaction. Values accepted: `Browser` `App` `3RI` If not present the value `Browser` is implied.	Gibt die Art der verwendeten Schnittstelle zur Initiierung der Transaktion an. Zulässige Werte: `Browser` `App` `3RI` Wenn nicht angegeben, wird der Wert `Browser` verwendet.
billingDescriptor	ans..22	O	A descriptor to be printed on a cardholder’s statement. Please also refer to the additional comments made elswhere for more information about rules and regulations.	Ein auf dem Kontoauszug des Karteninhabers zu druckender Beschreiber. Beachten Sie bitte auch die andernorts gemachten zusätzlichen Hinweise für weitere Informationen über Regeln und Vorschriften.
OrderDesc	ans..768	O	Order description	Beschreibung der Bestellung
TermURL	ans..256	M	In case of 3-D Secure 1.0 fallback: the URL the customer will be returned to at the end of the 3-D Secure 1.0 authentication process.
AccVerify	a3	O	Indicator to request an account verification (aka zero value authorization). If an account verification is requested the submitted amount will be optional and ignored for the actual payment transaction (e.g. authorization). Values accepted: `Yes`
threeDSPolicy	JSON	O	Object specifying authentication policies and excemption handling strategies
threeDSData	JSON	C	Object detailing authentication data in case authentication was performed through a third party or by the merchant
priorAuthenticationInfo	JSON	O	Prior Transaction Authentication Information contains optional information about a 3-D Secure cardholder authentication that occurred prior to the current transaction
browserInfo	JSON	M	Accurate browser information are needed to deliver an optimized user experience. Required for 3-D Secure 2.0 transactions.	Exakte Browserinformationen sind nötig, um eine optimierte Nutzererfahrung zu liefern. Erforderlich für 3-D Secure 2.0 Transaktionen.
accountInfo	JSON	O	The account information contains optional information about the customer account with the merchant. Optional for 3-D Secure 2.0 transactions.
billToCustomer	JSON	C	The customer that is getting billed for the goods and / or services. Required unless market or regional mandate restricts sending this information.
shipToCustomer	JSON	C	The customer that the goods and / or services are sent to. Required (if available and different from billToCustomer) unless market or regional mandate restricts sending this information.
billingAddress	JSON	C	Billing address. Required for 3-D Secure 2.0 (if available) unless market or regional mandate restricts sending this information.
shippingAddress	JSON	C	Shipping address. If different from billingAddress, required for 3-D Secure 2.0 (if available) unless market or regional mandate restricts sending this information.
credentialOnFile	JSON	C	Object specifying type and series of transactions using payment account credentials (e.g. account number or payment token) that is stored by a merchant to process future purchases for a customer. Required if applicable.
merchantRiskIndicator	JSON	O	The Merchant Risk Indicator contains optional information about the specific purchase by the customer	subMerchantPF	JSON	O	Object specifying SubMerchant (Payment Facilitator) details
URLNotify	an..256	M	Complete URL which Platform calls up in order to notify the shop about the payment result. The URL may be called up only via port 443. It may not contain parameters: Use the UserData parameter instead. Common notes: We recommend to use parameter "response=encrypted" to get an encrypted response by Platform However, fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess/URLNotify. Therefore ensure to check the "code"-value which indicates success/failure of the action. Only a result of "code=00000000" should be considered successful.	Die Händler-URL, die asynchrone Anfragen während des Authentisierungsprozesses empfängt

Table Excerpt Include

static	true
name	UserData
page	UserData
type	page

General parameters for credit card payments via socket connection

Please note the additional parameter for a specific credit card integration in the section "Specific parameters"

Response Elements

The following table describes the result parameters with which the Axepta Platform responds to your system

pls. be prepared to receive additional parameters at any time and do not check the order of parameters

the key (e.g. MerchantId, RefNr) should not be checked case-sentive

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sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MID
page	mid
type	page

Table Excerpt Include

static	true
name	PayID
page	PayID
type	page

Table Excerpt Include

static	true
name	XID
page	XID
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Table Excerpt Include

static	true
name	TransID
page	TransID
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Key Format CND Description Beschreibung

Status

a..20

M

Status of the transaction.

Values accepted:

AUTHENTICATION_REQUEST
PENDING
FAILED

Status der Transaktion.

Zulässige Werte:

AUTHENTICATION_REQUEST
PENDING
FAILED

RefNr

an12

M

Merchant’s unique reference number, which serves as payout reference in the acquirer EPA file. Please note, without the own shop reference delivery you cannot read out the EPA transaction and regarding the additional settlement file we cannot add the additional payment data.

Notes:

Fixed length of 12 characters (only characters (A..Z, a..z) and digits (0..9) are allowed, no special characters like whitespace, underscore...)
For AMEX : RefNr is mandatory
If the number of characters entered is lower than 12, BNP will complete, starting from the left side, with "0" (Example : 000018279568)

Table Excerpt Include

static	true
name	Description
page	Description
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Table Excerpt Include

static	true
name	Code
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Key	Format	CND	Description	Beschreibung
versioningData	JSON	M	The Card Range Data data element contains information that indicates the most recent EMV 3-D Secure version supported by the ACS that hosts that card range. It also may optionally contain the ACS URL for the 3-D Secure Method if supported by the ACS and the DS Start and End Protocol Versions which support the card range.	Das Datenelement Card Range Data enthält Informationen, welche die jüngste vom ACS, der den Kartenbereich hostet, unterstützte EMV 3-D Secure-Version angeben. Es kann optional auch die ACS URL für die 3-D Secure Methode enthalten, falls vom ACS unterstützt, sowie die DS Start- und End-Protokoll-Versionen, die den Kartenbereich unterstützen.
threeDSLegacy	JSON	M	Object containing the data elements required to construct the Payer Authentication request in case of a fallback to 3-D Secure 1.0.	Objekt, dass die erforderlichen Datenelemente für die Konstruktion der Anfrage zur Zahler-Authentisierung im Falle eines Fallbacks auf 3-D Secure 1.0 enthält.
schemeReferenceID	ans..64	C	Card scheme specific transaction ID required for subsequent credential-on-file payments, delayed authorizations and resubmssions.
card	JSON	M	Card data
ipInfo	JSON	O	Object containing IP information
threeDSData	JSON	M	Authentication data
resultsResponse	JSON	C	In case the authentication process included a cardholder challenge additional information about the challenge result will be provided.

The versioningData object will indicate the EMV 3-D Secure protocol versions (i.e. 2.1.0 or higher) that are supported by Access Control Server of the issuer.

If the corresponding protocol version fields are NULL it means that the BIN range of card issuer is not registered for 3-D Secure 2.0 and a fallback to 3-D Secure 1.0 is required for transactions that are within the scope of PSD2 SCA.

When parsing versioningData please also refer to the subelement errorDetails which will specify the reason if some fields are not pupoluated (e.g. Invalid cardholder account number passed, not available card range data, failure in encoding/serialization of the 3-D Secure Method data etc).

versioningData

BASEURL=

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Code Block

language	json
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{
	"threeDSServerTransID": "14dd844c-b0fc-4dfe-8635-366fbf43468c",
	"acsStartProtocolVersion": "2.1.0",
	"acsEndProtocolVersion": "2.1.0",
	"dsStartProtocolVersion": "2.1.0",
	"dsEndProtocolVersion": "2.1.0",
	"threeDSMethodURL": "http://www.acs.com/script",
	"threeDSMethodDataForm": "eyJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIjoiaHR0cHM6Ly93d3cuY29tcHV0b3AtcGF5Z2F0ZS5jb20vY2JUaHJlZURTLmFzcHg_YWN0aW9uPW10aGROdGZuIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiIxNGRkODQ0Yy1iMGZjLTRkZmUtODYzNS0zNjZmYmY0MzQ2OGMifQ==",
	"threeDSMethodData": {
		"threeDSMethodNotificationURL": "BASEURLcbThreeDS.aspx?action=mthdNtfn",
		"threeDSServerTransID": "14dd844c-b0fc-4dfe-8635-366fbf43468c"
	}
}

3-D Secure Method

The 3-D Secure Method allows for additional browser information to be gathered by an ACS prior to receipt of the authentication request message (AReq) to help facilitate the transaction risk assessment. Support of 3-D Secure Method is optional and at the discretion of the issuer.

The versioningData object contains a value for threeDSMethodURL . The merchant is supposed to invoke the 3-D Secure Method via a hidden HTML iframe in the cardholder browser and send a form with a field named threeDSMethodData via HTTP POST to the ACS 3-D Secure Method URL.

3-D Secure Method: threeDSMethodURL

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Please not that the threeDSMethodURL will be populated by

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if the issuer does not support the 3-D Secure Method. The 3-D Secure Method Form Post as outlined below must be performed independently from whether it is supported by the issuer. This is necessary to facilitate direct communication between the browser and

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in case of a mandated challenge or a frictionless flow.

3-D Secure Method: No issuer threeDSMethodURL

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shouldDisplayInlineCommentsInIncludes	false

3-D Secure Method Form Post

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MultiExcerptName	3ds_method

Code Block

language	xml
linenumbers	true

<form name="frm" method="POST" action="Rendering URL">
    <input type="hidden" name="threeDSMethodData" value="eyJ0aHJlZURTU2VydmVyVHJhbnNJRCI6IjNhYzdjYWE3LWFhNDItMjY2My03OTFiLTJhYzA1YTU0MmM0YSIsInRocmVlRFNNZXRob2ROb3RpZmljYXRpb25VUkwiOiJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIn0">
</form>

The ACS will intercat with the Cardholder browser via the HTML iframe and then store the applicable values with the 3-D Secure Server Transaction ID for use when the subsequent authentication message is received containing the same 3-D Secure Server Transaction ID.

Info

title	Netcetera 3DS Web SDK

You may use the operations init3DSMethod or createIframeAndInit3DSMethod at your discreation from the nca3DSWebSDK in order to iniatiate the 3-D Secure Method. Please refer to the Integration Manual at https://mpi.netcetera.com/3dsserver/doc/current/integration.html#Web_Service_API.

Once the 3-D Secure Method is concluded the ACS will instruct the the cardholder browser through the iFrame response document to submit threeDSMethodData as a hidden form field to the 3-D Secure Method Notification URL.

ACS Response Document

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Code Block

language	xml
linenumbers	true

<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8"/>
    <title>Identifying...</title>
</head>
<body>
<script>
    var tdsMethodNotificationValue = 'eyJ0aHJlZURTU2VydmVyVHJhbnNJRCI6ImUxYzFlYmViLTc0ZTgtNDNiMi1iMzg1LTJlNjdkMWFhY2ZhMiJ9';

    var form = document.createElement("form");
    form.setAttribute("method", "post");
    form.setAttribute("action", "notification URL");

    addParameter(form, "threeDSMethodData", tdsMethodNotificationValue);

    document.body.appendChild(form);
    form.submit();

    function addParameter(form, key, value) {
        var hiddenField = document.createElement("input");
        hiddenField.setAttribute("type", "hidden");
        hiddenField.setAttribute("name", key);
        hiddenField.setAttribute("value", value);
        form.appendChild(hiddenField);
    }
</script>
</body>
</html>

3-D Secure Method Notification Form

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Code Block

language	xml
linenumbers	true

<form name="frm" method="POST" action="3DS Method Notification URL">
    <input type="hidden" name="threeDSMethodData" value="eyJ0aHJlZURTU2VydmVyVHJhbnNJRCI6ImUxYzFlYmViLTc0ZTgtNDNiMi1iMzg1LTJlNjdkMWFhY2ZhMiJ9">
</form>

Note

Please note that the threeDSMethodNotificationURL as embedded in the Base64 encoded threeDSMethodData value points to

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and must not be modified. The merchant notification is delivered to the URLNotify as provided in the original request or as configured for the MerchantID in

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.

Authentication

If 3-D Secure Method is supported by the issuer ACS and was invoked by the merchant

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will automatically continue with the authentication request once the 3-D Secure Method has completed (i.e. 3-D Secure Method Notification).

The authentication result will be transferred via HTTP POST to the URLNotify . It may indicate that the Cardholder has been authenticated, or that further cardholder interaction (i.e. challenge) is required to complete the authentication.

In case a cardholder challenge is deemed necessary

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will transfer a JSON object within the body of HTTP browser response with the elements acsChallengeMandated , challengeRequest , base64EncodedChallengeRequest and acsURL . Otherwise, in a frictionless flow,

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will automatically continue and respond to the cardholder browser once the authorization completed.

Cardholder Challenge: Browser Response

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Browser Challenge Response

Data Elements

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hideColumns	true
sparkName	Sparkline
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datepattern	dd M yy
id	1625492202590_-863270165
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

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Table Transformer

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export-word	false
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sql	SELECT * FROM T*

Key	Format	CND	Description	Beschreibung
acsChallengeMandated	boolean	M	Indication of whether a challenge is required for the transaction to be authorised due to local/regional mandates or other variable	Zeigt an, ob für die Autorisierung der Transaktion eine Challenge erforderlich ist wegen örtlicher/regionaler Vorgaben oder anderen Variablen
challengeRequest	object	M	Challenge request object	Objekt Challenge-Anfrage
base64EncodedChallengeRequest	string	M	Base64-encoded Challenge Request object	Base64-codiertes Objekt Challenge-Anfrage
acsURL	string	M	Fully qualified URL of the ACS to be used to post the Challenge Request	Vollständige URL des ACS, die für das Posten der Challenge-Anfrage verwendet werden soll

Schema: Browser Challenge Response

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MultiExcerptName	schema

Code Block

language	json
linenumbers	true

{
	"$schema": "http://json-schema.org/draft-07/schema#",
	"type": "object",
	"properties": {
		"acsChallengeMandated": {"type": "boolean"},
		"challengeRequest": {"type": "object"},
		"base64EncodedChallengeRequest": {"type": "string"},
		"acsURL": {"type": "string"}
	},
	"required": ["acsChallengeMandated", "challengeRequest", "base64EncodedChallengeRequest", "acsURL"],
	"additionalProperties": false
}

Sample: Browser Challenge Response

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Code Block

language	json
linenumbers	true

{
	"acsChallengeMandated": true,
	"challengeRequest": {
		"threeDSServerTransID": "8a880dc0-d2d2-4067-bcb1-b08d1690b26e",
		"acsTransID": "d7c1ee99-9478-44a6-b1f2-391e29c6b340",
		"messageType": "CReq",
		"messageVersion": "2.1.0",
		"challengeWindowSize": "01",
		"messageExtension": [
			{
				"name": "emvcomsgextInChallenge",
				"id": "tc8Qtm465Ln1FX0nZprA",
				"criticalityIndicator": false,
				"data": "messageExtensionDataInChallenge"
			}
		]
	},
	"base64EncodedChallengeRequest": "base64-encoded-challenge-request",
	"acsURL": "acsURL-to-post-challenge-request"
}

Authentication Notification

The data elements of the authentication notification are listed in the table below.

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Table Excerpt Include

static	true
name	MID
page	mid
type	page

Table Excerpt Include

static	true
name	PayID
page	PayID
type	page

Table Excerpt Include

static	true
name	TransID
page	TransID
type	page

Table Excerpt Include

static	true
name	Code
page	Code
type	page

Table Excerpt Include

static	true
name	MAC
page	MAC
type	page

Key	Format	CND	Description	Beschreibung
authenticationResponse	JSON	M	Response object in return of the authentication request with the ACS	Antwort-Objekt als Rückgabe zur Authentisierungs-Anfrage beim ACS

Browser Challenge

If a challenge is deemed necessary (see challengeRequest) the browser challenge will occur within the cardholder browser. To create a challenge it is required to post the value base64EncodedChallengeRequest via an HTML iframe to the ACS URL.

Challenge Request

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MultiExcerptName	challenge_request

Code Block

language	xml
linenumbers	true

<form name="challengeRequestForm" method="post" action="acsChallengeURL">
	<input type="hidden" name="creq" value="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">
</form>

You may use the operations init3DSChallengeRequest or createIFrameAndInit3DSChallengeRequest from the nca3DSWebSDK in order submit the challenge message through the cardholder browser.

Init 3-D Secure Challenge Request - Example

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MultiExcerptName	init_challenge_request

Code Block

language	xml
linenumbers	true

<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <script src="nca-3ds-web-sdk.js" type="text/javascript"></script>
    <title>Init 3-D Secure Challenge Request - Example</title>
</head>
<body>
<!-- This example will show how to initiate Challenge Reqeuests for different window sizes. -->
<div id="frameContainer01"></div>
<div id="frameContainer02"></div>
<div id="frameContainer03"></div>
<div id="frameContainer04"></div>
<div id="frameContainer05"></div>
<iframe id="iframeContainerFull" name="iframeContainerFull" width="100%" height="100%"></iframe>
  
<script type="text/javascript">
    // Load all containers
    iFrameContainerFull = document.getElementById('iframeContainerFull');
    container01 = document.getElementById('frameContainer01');
    container02 = document.getElementById('frameContainer02');
    container03 = document.getElementById('frameContainer03');
    container04 = document.getElementById('frameContainer04');
    container05 = document.getElementById('frameContainer05');
  
  
    // nca3DSWebSDK.init3DSChallengeRequest(acsUrl, creqData, container);
    nca3DSWebSDK.init3DSChallengeRequest('http://example.com', 'base64-encoded-challenge-request', iFrameContainerFull);
  
    // nca3DSWebSDK.createIFrameAndInit3DSChallengeRequest(acsUrl, creqData, challengeWindowSize, frameName, rootContainer, callbackWhenLoaded);
    nca3DSWebSDK.createIFrameAndInit3DSChallengeRequest('http://example.com', 'base64-encoded-challenge-request', '01', 'threeDSCReq01', container01);
    nca3DSWebSDK.createIFrameAndInit3DSChallengeRequest('http://example.com', 'base64-encoded-challenge-request', '02', 'threeDSCReq02', container02);
    nca3DSWebSDK.createIFrameAndInit3DSChallengeRequest('http://example.com', 'base64-encoded-challenge-request', '03', 'threeDSCReq03', container03);
    nca3DSWebSDK.createIFrameAndInit3DSChallengeRequest('http://example.com', 'base64-encoded-challenge-request', '04', 'threeDSCReq04', container04);
    nca3DSWebSDK.createIFrameAndInit3DSChallengeRequest('http://example.com', 'base64-encoded-challenge-request', '05', 'threeDSCReq05', container05, () => {
        console.log('Iframe loaded, form created and submitted');
    });
</script>
  
</body>
</html>

Once the cardholder challenge is completed, was cancelled or timed out the ACS will instruct the browser to post the results to the notfication URL as specified in the challenge request and to send a Result Request (RReq) via the Directory Server to the 3-D Secure Server.

Note

Please note that the notification URL submited in the challenge request points to

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Platform-Name
PageWithExcerpt	EN:Wording

and must not be changed.

Authorization

After succefull cardholder authentication or proof of attempted authentication/verification is provided

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Platform-Name
PageWithExcerpt	EN:Wording

will automatically continue with the payment authorization.

In case the cardholder authentication was not succesfull or proof proof of attempted authentication/verification can not be provided

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Platform-Name
PageWithExcerpt	EN:Wording

will not continue with an authorization request.

In both cases

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Platform-Kurz
PageWithExcerpt	EN:Wording

will deliver a final notification to the merchant specified URLNotify with the data elements as listed in the table below.

Payment Notification

Table Filter

default	Beschreibung
isFirstTimeEnter	false
hideColumns	true
sparkName	Sparkline
hidePane	true
datepattern	dd M yy
id	1625492202594_-398328237
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

Multiexcerpt

MultiExcerptName	payment_notification

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1625492202596_-1528328090
transpose	false
worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
export-pdf	false
sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MID
page	mid
type	page

Key Format CND Description Beschreibung

MsgVer

ans..5

M

Message version.

Accepted values:

2.0

Value	Description
2.0	With 3-D Secure 2.x a lot of additional data were required (e.g. browser-information, billing/shipping-address, account-info, ...) to improve authentication processing. To handle these information the JSON-objects have been put in place to handle such data. To indicate that these data are used the MsgVer has been implemented.

Message-Version.

Zulässige Werte:

2.0

Table Excerpt Include

static	true
name	PayID
page	PayID
type	page

Table Excerpt Include

static	true
name	XID
page	XID
type	page

Table Excerpt Include

static	true
name	TransID
page	TransID
type	page

Key Format CND Description Beschreibung

schemeReferenceID

ans..64

C

Card scheme specific transaction ID required for subsequent credential-on-file payments, delayed authorizations and resubmissions.

Mandatory: CredentialOnFile – initial false – unscheduled MIT / recurring

Kartensystemspezifische Transaktions-ID, die für nachfolgende Zahlungen mit hinterlegten Daten, verzögerte Autorisierungen und Wiedereinreichungen erforderlich ist

TrxTime

an21

M

Transaction time stamp in format DD.MM.YYYY HH:mm:ssff

Zeitstempel der Transaktion im Format DD.MM.YYYY HH:mm:ssff

Status

a..20

M

Status of the transaction.

Values accepted:

Authorized
OK (Sale)
PENDING
FAILED

In case of Authentication-only the Status will be either OK or FAILED .

Status der Transaktion.

Zulässige Werte:

Authorized
OK (Sale)
PENDING
FAILED

Im Falle von nur Authentisierung ist der Status entweder OK oder FAILED.

Table Excerpt Include

static	true
name	Description
page	Description
type	page

Table Excerpt Include

static	true
name	Code
page	Code
type	page

Table Excerpt Include

static	true
name	MAC
page	MAC
type	page

Key	Format	CND	Description	Beschreibung
card	JSON	M	Card data	Kartendaten
ipInfo	JSON	O	Object containing IP information	Objekt mit IP-Informationen
threeDSData	JSON	M	Authentication data	Authentisierungsdaten
resultsResponse	JSON	C	In case the authentication process included a cardholder challenge additional information about the challenge result will be provided.	Falls der Authentisierungsprozess eine Challenge des Karteninhabers enthalten hat, werden zusätzliche Informationen über das Ergebnis der Challenge bereitgestellt

Browser Payment Response

Additionally the JSON formated data elements as listed below are trasferred in the HTTP response body to the cardholder browser. Please note that the data elements (i.e. MID , Len , Data ) are base64 encoded.

Data Elements

Table Filter

default	Beschreibung
isFirstTimeEnter	false
hideColumns	true
sparkName	Sparkline
hidePane	true
datepattern	dd M yy
id	1625492202597_2129413440
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

Multiexcerpt

MultiExcerptName	payment_response

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1625492202598_-100517279
transpose	false
worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
export-pdf	false
sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MID
page	mid
type	page

Key	Format	CND	Description	Beschreibung
Len	integer	M	Length of the unencrypted `Data` string	Länge des unverschlüsselten Strings `Data`
Data	string	M	Blowfish encrypted string containg a JSON object with `MID` , `PayID` and `TransID`	Blowfish-verschlüsselter String, der ein JSON-Objekt mit `MID`, `PayID` und `TransID` enthält

Schema

Multiexcerpt

MultiExcerptName	response_schema

Code Block

language	json
linenumbers	true

{
	"$schema": "http://json-schema.org/draft-07/schema#",
	"type": "object",
	"properties": {
		"MID": {
			"type": "string"
		},
		"Len": {
			"type": "integer"
		},
		"Data": {
			"type": "string"
		}
	},
	"required": ["MID", "Len", "Data"],
	"additionalProperties": false
}

Merchants are supposed to forward these data elements to their server for decryption and mapping agianst the payment notification. Based on the payment results the merchant server may deliver an appropriate response to the cardholder browser (e.g. success page).

Decrypted `Data`

Table Filter

default	Beschreibung
isFirstTimeEnter	false
hideColumns	true
sparkName	Sparkline
hidePane	true
datepattern	dd M yy
id	1625492202599_-528830725
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

Multiexcerpt

MultiExcerptName	decrypted_data

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1625492202600_2070509802
transpose	false
worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
export-pdf	false
sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MID
page	mid
type	page

Table Excerpt Include

static	true
name	PayID
page	PayID
type	page

Table Excerpt Include

static	true
name	TransID
page	TransID
type	page

Sample decrypted `Data`

Multiexcerpt

MultiExcerptName	sample_decrypted_data

Code Block

language	xml
linenumbers	true

MID=YourMID&PayID=PayIDassignedbyPlatform&TransID=YourTransID

Page tree

Versions Compared

Old Version 2

New Version Current

Key

Chart of process flow via Server-to-Server

Overview

Payment initiation

Request Elements

Response Elements

3-D Secure Method

Authentication

Browser Challenge Response

Data Elements

Schema: Browser Challenge Response

Sample: Browser Challenge Response

Authentication Notification

Browser Challenge

Authorization

Payment Notification

Browser Payment Response

Data Elements

Schema

Decrypted `Data`

Sample decrypted `Data`

Help

Intranet Tools

Page tree

Page History

Versions Compared

Old Version 2

New Version Current

Key

Chart of process flow via Server-to-Server

Overview

Payment initiation

Request Elements

Response Elements

3-D Secure Method

Authentication

Browser Challenge Response

Data Elements

Schema: Browser Challenge Response

Sample: Browser Challenge Response

Authentication Notification

Browser Challenge

Authorization

Payment Notification

Browser Payment Response

Data Elements

Schema

Decrypted Data

Sample decrypted Data

Decrypted `Data`

Sample decrypted `Data`