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From 01/10/2022 all authenticated transactions must use 3DSV2In October 2022, all transactions will only be auhtenticated with 3DSV2. 3DSV1 authentication won't be available anymore. This section is a synthesis of the developments required in order to use 3DSV2 instead of 3DSV1.gathering information for merchants upgrading from 3DSV1 to 3DS2 For Axepta, this it means using : Add the parameter 'msgVer=2.0' for one-shot payments.Other payment use-cases are described in the section Payment Features |
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To verify the version of the 3-D Secure protocol used by your online store, please refer to Identify your 3D Secure version. |
Table of Contents |
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Introduction
3D Secure authentication protects the merchant against "cardeholder challenge".
3D Secure authentication V2 Version 2 provides a mechanism for strong authentication in accordance with PSD2.
The major difference with 3DS 1.0 is the possibilty to offer 3DS V2 allows frictionless payments to cardholders, in this case the issuing bank (bank of the cardholder) can approve a transaction without explicit action done by the cardholder (passive authentication).
3DS V1 authentication will remain possible until October 2022. After that date, all 3DS authentications must use version 2 (3DSV2).
By default, payment requests are sent with “nopreference”, the merchant does not specify a preference for the authentication mode (SCA or passive authentication).
More details :
- Global overview : 3DSV2 and frictionless
- Implementation :
- Exemption & 'Frictionless' payments
- Liability shift : Liability shift and 3DS Matrix
Table of Contents |
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Scope
CB (Carte Bancaire), Visa, Mastercard and AMEX transactions.
Upgrade to 3DSV2 - With CMS
Find all the information in the section: Get your 3DSecure 2.0 plugin for free
Upgrade to 3DSV2 - Direct Integration
Synthesis
ConceptsTip |
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For one-shot |
payments, upgrading to 3DSV2 means :
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Detailed overview
3DSV2 key parameters
Key parameters are used according to the use-cases (one-shot, one-click, recurring...) :
Parameter
Type
Details
Request
Response
msgVer
Parameter
3DSV2 payment request
X
threeDSPolicy
JSON Object
Manage the authentication request (mandate, challenge...)
X
browserInfo
JSON Object
Need for paynow.aspx (one-click)
X
credentialOnFile
JSON Object
Needed if a merchant wants to reuse a card (one-click, recurring...)
X
billToCustomer
JSON Object
Customer billed for his purchases
X
shipToCustomer
JSON Object
Customer who received the goods
X
billingAddress
JSON Object
Billing address
X
shippingAddress
JSON Object
Shipping address
X
Card
JSON Object
Card object with the PCNr, card brand, expiry date...
X
X
schemeReferenceId
Parameter
Chaining data used for subscription transactions / recurring payments
X
X
resultsResponse
JSON Object
authentication additionnal data
X
threeDSData
JSON Object
Authentication data
X
Synthesis : Upgrade to 3DSV2
Use-case | 3DSV1 | 3DSV2 | Examples : JSON objects to add in ECOM payments |
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One-Shot payment | - |
D'autres données peuvent être indiquées dans la requête de paiement pour favoriser les paiements 'frictionless'.
Pour plus de détails
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Response format Card payment | GET for URLFailure / URLSuccess / URLNotify | POST for URLFailure / URLSuccess / URLNotify GET for URLFailure / URLSuccess / URLNotify if 3DSV1 fallback | |||||||||||||||
Response format Alternative payment methods | GET for URLFailure / URLSuccess / URLNotify | GET for URLFailure / URLSuccess / URLNotify | |||||||||||||||
Card data | PCNr CCExpiry CCCVC CCBrand | JSON Object Card Or JSON Object Card + PCNR / CCExpiry / CCBrand if 3DSV1 fallback | |||||||||||||||
Use-cases | |||||||||||||||||
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One-click Initial payment | / | Use "MsgVer=2.0”, JSON objects credentialOnFile and threeDSPolicy | JSON Object credentialOnFile
JSON Object threeDSPolicy
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One-click One-click payments | PCNr CCExpiry CCCVC CCBrand | Use "MsgVer=2.0”, JSON objects credentialOnFile and threeDSPolicy | JSON Object credentialOnFile
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Subscription with fixed amount and frequency Initial payment | Parameter "RTF=I" |
Card data : PCNr, CCExpiry, CCBrand… | Server-to-Server Use "MsgVer=2.0”, JSON objects credentialOnFile and threeDSPolicy JSON Object Card and the parameter schemeReferenceID are sent in the response.
Batch Batch implementation remains the same More details |
JSON object credentialOnFile
JSON object threeDSPolicy
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Abonnement à durée et montant fixes
Échéances suivantes
Subscription with fixed amount and frequency Subscription payment | Parameter |
"RTF=R" |
Card data : PCNr, CCExpiry, CCBrand… | Server-to-Server |
Use "MsgVer=2.0”, |
JSON objects credentialOnFile, |
Batch
L'implémentation Batch reste inchangée
Pour plus de détails
Card et the parameter schemeReferenceID. JSON Object Card and the schemeReferenceID are sent in the response.
Batch Batch implementation remains the same More details |
JSON Object credentialOnFile
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Abonnement à durée et montant variables
Paiement initial
Subscription with variable amount and frequency Initial payment | Parameter |
"RTF=E" |
Card data : PCNr, CCExpiry, CCBrand… | Server-to-Server |
Use "MsgVer=2.0”, |
JSON objects credentialOnFile |
and threeDSPolicy |
L’objet JSON Card et le schemeReferenceID sont envoyés dans la réponse
Batch
L'implémentation Batch reste inchangée
Pour plus de détails
JSON Object Card and the parameter schemeReferenceID are sent in the response.
Batch Batch implementation remains the same More details |
JSON Object credentialOnFile
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JSON Object threeDSPolicy
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Abonnement à durée et montant variables
Échéances suivantes
Subscription with variable amount and frequency Subsequent payments | Parameter |
"RTF=M" |
Card data : PCNr, CCExpiry, CCBrand… | Server-to-Server |
Use "MsgVer=2.0”, |
JSON objects credentialOnFile, |
Batch
L'implémentation Batch reste inchangée
Pour plus de détails
Card et the parameter schemeReferenceID. JSON Object Card and the schemeReferenceID are sent in the response.
Batch Batch implementation remains the same More details |
JSON Object credentialOnFile
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Tip |
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Les fonctionnalités de paiement sont détaillés dans la section : Fonctionnalités de paiement |
CMS et 3DSV2
Payment features are detailed in the section Payment Features |
Test your 3DSV2 integration
To test your 3DSV2 integration, you can use our 3DSV2 Test environment
3DSV2 key parameters
Key parameters are used according to the use-cases (one-shot, one-click, recurring...) :
Parameter | Type | Details | Request | Response |
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msgVer | Parameter | 3DSV2 payment request | X | |
threeDSPolicy | JSON Object | Manage the authentication request (mandate, challenge...) | X | |
browserInfo | JSON Object | Need for paynow.aspx (one-click) | X | |
credentialOnFile | JSON Object | Needed if a merchant wants to reuse a card (one-click, recurring...) | X | |
billToCustomer | JSON Object | Customer billed for his purchases | X | |
shipToCustomer | JSON Object | Customer who received the goods | X | |
billingAddress | JSON Object | Billing address | X | |
shippingAddress | JSON Object | Shipping address | X | |
Card | JSON Object | Card object with the PCNr, card brand, expiry date... | X | X |
schemeReferenceId | Parameter | Chaining data used for subscription transactions / recurring payments | X | X |
resultsResponse | JSON Object | authentication additionnal data | X | |
threeDSData | JSON Object | Authentication data | X |