3RI - Requestor-Initiated Authentication

This guide is intended for PCI-DSS merchants using our API to perform authentication.

Version 2.2 of the 3-D Secure protocol introduces merchant-initiated authentication or"3DS Requestor initiated (3RI) authentications".

3RI is used in particular:

when paying an installment of a subscription
when paying a later installment of a payment in installments
for the MOTO payment

The use case is determined by the value of the fieldspaymentSource,useCaseandtransactionInitiator.

Here are some examples of how to use 3RI :

Use cases	Payment stages	useCase	paymentSource	transactionInitiator
Subscription with fixed frequency and amounts	Payment of an nth installment	`RECURRING_FIXED_TOTALAMOUNT`	`EC`	`MERCHANT`
Subscription with variable frequency and/or amounts	Payment of an nth installment	`RECURRING_ VARIABLE_TOTAL_AMOUNT`	`EC`	`MERCHANT`
Payment in installments	Payment of an nth installment	`INSTALLMENT`	`EC`	`MERCHANT`
Payment by post	Payment	`PAYMENT`	`MAIL_ORDER`	n/a
Payment by phone	Payment	`PAYMENT`	`TELEPHONE_ORDER`	n/a

Operating principle

The general principle applies to authentications "3RI".
A single call to the Web ServicePCI/Charge/Authenticateis all that's needed, and the merchant has no instructions to process or objectsdeviceto transmit.

List of fields relating to3RI:

name Description

amount Integer| Length: 1-12 |required

Transaction amount expressed in the smallest fraction of the currency (for example: 30050 for 30050 XPF).

currency

String| Length: 3 |required

Currency code according to ISO 4217 alpha-3 standard (for example: "XPF" for the CFP franc).

Possible values

Currency	ISO 4217 ENCODING	Fractional unit
Dollar australien (036)	`AUD`	2
Renminbi yuan chinois (156)	`CNY`	1
Franc Djibouti (262)	`DJF`	0
Euro (978)	`EUR`	2
Dollar de Fidji (242)	`FJD`	2
Livre Sterling (826)	`GBP`	2
Dollar de Hong Kong (344)	`HKD`	2
Yen (392)	`JPY`	0
Riel Cambodgien (116)	`KHR`	0
Kip laotien (418)	`LAK`	0
Dollar néo-zélandais (554)	`NZD`	2
Dollar des Îles Salomon (090)	`SBD`	2
Baht thailandais (764)	`THB`	2
Dollar des États-Unis (840)	`USD`	2
Vatu des Îles Vanuatu (548)	`VUV`	0
Franc CFP (953)	`XPF`	0

productType

énumération|Optional

Product type for which the transaction is made.

Possible values

value	Description
`ACCOUNT_FUNDING`	Wire transfer to an account.
`CHECK_ACCEPTANCE`	Acceptance testing.
`GOODS_OR_SERVICE_PURCHASE`	Purchase of goods or services. Value used by default.
`PREPAID_ACTIVATION_AND_LOAD`	Activation and loading of a prepaid card.
`QUASI_CASH_TRANSACTION`	Near-cash transactions (e.g. holiday vouchers, lottery tickets, etc.)

transactionCategory énumération|ignoré

Transaction category.

paymentSource

énumération required

Source of payment.

Possible values

value	Description
`EC`	E-commerce. Typical use case. Payment initiated by the buyer with card details entered.
`MAIL_ORDER`	Payment in remote sales initiated by the merchant by mail or email.
`TELEPHONE_ORDER`	Payment in remote sales initiated by the merchant by telephone.

transactionInitiator

énumération|Optional

Initiator of the transaction.

Possible values

</tbody>

value	Description
`CUSTOMER`	Buyer Initiated Transaction (BIT).
`MERCHANT`	Merchant Initiated Transaction (MIT).

useCase

énumération|required

Transaction use case.

Possible values

value	Description
`INSTALLMENT`	Payment in installments.
`MAINTAIN_CARD`	Used for example to confirm card status during recurring payments (subscriptions or installment payments).
`OTHER_USE_CASE`	Another use case.
`PAYMENT`	Immediate payment.
`RECURRING_VARIABLE_TOTALAMOUNT`	Subscription with variable frequency and/or deadlines.
`RECURRING_FIXED_TOTALAMOUNT`	Subscription with fixed frequency and deadlines.
`REGISTER`	Card registration.
`SHIPMENT_MULTIPLE_AUTHORISATION`	Payment on shipment with multiple authorizations.
`SHIPMENT_SINGLE_AUTHORISATION`	Payment on shipment with simple authorization.
`TOP_UP`	Account top-up.
`TRUST_LIST_STATUS_CHECK`	Used to ask the issuer if the merchant is on the buyer's trusted beneficiary list. If so, the merchant can then request an exemption from strong authentication at checkout.
`VERIFY_ONLY`	Used for example to check the card balance during recurring payments (subscriptions or installment payments).

customer

objet JSON|required

Object containing information about the buyer.

Item Details

name Description

reference String| Length: 0-80 |Optional

Buyer ID on the merchant side.

email String| Length: 0-150 |Recommended

Adresse e-mail

accountDetails

objet JSON|Recommended

Object containing the buyer's account information on the merchant site.

Item Details

name Description

authenticationMethod

énumération|Recommended

Buyer authentication method on the merchant site.

Possible values

value	Description
`GUEST`	No authentication (guest).
`PERSONAL_CREDENTIALS`	Use of an account created on the merchant site.
`FEDERATED_CREDENTIALS`	Using federated authentication.
`ISSUER_CREDENTIALS`	Use of identifiers provided by the issuer.
`EXTERNAL_CREDENTIALS`	Third-party authentication.
`FIDO_CREDENTIALS`	Using authentication FIDO (Fast IDentity Online) .

billingDetails

objet JSON|Optional

Object containing information about the buyer.

Item Details

name Description

title

String| Length: 0-63 |Optional

Buyer's title.

Examples of values

category

énumération|Optional

Buyer type.

Possible values

value	Description
`PRIVATE`	Individual buyer type.
`COMPANY`	Company type client.

firstName String| Length: 0-63 |Optional

First name.

lastName String| Length: 0-63 |Optional

name.

phonenumber

String| Length: 0-32 |Optional

Landline number.

Examples of values

0123456789
+33123456789
0033123456789
(00.571) 638.14.00
40 41 42 42

streetNumber String| Length: 0-64 |Optional

Street number.

address String| Length: 0-255 |Optional

Billing address.

address2 String| Length: 0-255 |Optional

Additional information about the address.

district String| Length: 0-127 |Optional

District.

zipCode String| Length: 0-64 |Optional

Zip code.

city String| Length: 0-128 |Optional

City.

state String| Length: 0-127 |Optional

Région.

country

String| Length: 2 |Optional

Country code (ISO 3166-1 alpha-2 standard).

Examples of values

value	Description
`AT`	AUSTRIA
`BE`	BELGIQUE
`FR`	CORSICA
`CI`	IVORY COAST
`FR`	FRANCE
`GP`	GUADELOUPE
`MQ`	MARTINIQUE
`NC`	NEW CALEDONIA
`PM`	ST-PIERRE-ET-MIQUELON
`PF`	FRENCH POLYNESIA

language

String| Length: 2 |Optional

Language code (ISO 639-1 standard).

Examples of values

value	Description
`DE`	German (Germany)
`EN`	English (United Kingdom)
`EN`	English (United States)
`ZH`	Chinese (Traditional)
`ES`	Spanish (Spain)
`ES`	Spanish (Chile)
`FR`	French (France)
`IT`	Italian (Italy)
`JP`	Japanese (Japan)
`NL`	Dutch (the Netherlands)
`PL`	Polish (Poland)
`PT`	Portuguese (Brazil)
`PT`	Portuguese (Portugal)
`RU`	Russian (Russia)

cellPhonenumber

String| Length: 0-32 |Optional

Cell phone number.

Examples of values

0623456789
+33623456789
0033623456789
(+34) 824 65 43 21
87 77 12 34

identityCode String| Length: 0-150 |Optional

National identifier.

identityType

String| Length: 0-3 |Optional

ID type.

Possible values

Country	Type	Description
Argentina	`DNI`	Documento Nacional de Identidad.
Brasil	`CNPJ`	Cadastro Nacional da Pessoa Jurídica.
Brasil	`CPF`	Cadastro de Pessoas Físicas.
Colombia	`CC`	Cédula de ciudadania.
	`TI`	Tarjeta de Identidad.
	`CE`	Cédula de Extranjeria.
	`NI`	Número de Identificación Tributaria.
	`PS`	Pasaporte.
Peru	`DNI_PER`	Documento National de Identidad.
	`PAR`	Partida de Nacimiento.
	`PAS`	Pasaporte.
	`LMI`	Libreta Militar.
	`NAN`	Otro.

legalName String| Length: 0-100 |Optional

Raison Sociale.

shippingDetails

objet JSON|Optional

Object containing delivery information.

Item Details

name Description

category

énumération|Optional

Buyer type.

Possible values

value	Description
`PRIVATE`	Individual buyer type.
`COMPANY`	Company type client.

firstName String| Length: 0-63 |Optional

First name.

lastName String| Length: 0-63 |Optional

name.

phonenumber

String| Length: 0-32 |Optional

Landline number.

Examples of values

0123456789
+33123456789
0033123456789
(00.571) 638.14.00
40 41 42 42

streetNumber String| Length: 0-64 |Optional

Street number.

address String| Length: 0-255 |Optional

Shipping address.

address2 String| Length: 0-255 |Optional

Additional information about the delivery address.

district String| Length: 0-127 |Optional

District.

zipCode String| Length: 0-64 |Optional

Zip code.

city String| Length: 0-128 |Optional

City.

state String| Length: 0-127 |Optional

Région.


country

String| Length: 2 |Optional

Country code (ISO 3166-1 alpha-2 standard).

Examples of values

value	Description
`AT`	AUSTRIA
`BE`	BELGIQUE
`FR`	CORSICA
`CI`	IVORY COAST
`FR`	FRANCE
`GP`	GUADELOUPE
`MQ`	MARTINIQUE
`NC`	NEW CALEDONIA
`PM`	ST-PIERRE-ET-MIQUELON
`PF`	FRENCH POLYNESIA

deliveryCompanyName String| Length: 0-127 |Optional

Name of the delivery company.


shippingSpeed

énumération|Optional

Shipping delay.

Possible values

value	Description
`STANDARD`	Standard shipping.
`EXPRESS`	Express shipping (in less than 24h).
`PRIORITY`	-MISSED-ON-SOURCE-af02ef0e65a667ccdb3eff3d5ff103dbb07e5a15f98a2182543ef8822ab9be09.


shippingMethod

énumération|Optional

Shipping mode.

Possible values

value	Description
`RECLAIM_IN_SHOP`	Item pickup at the shop.
`RELAY_POINT`	Use of a third-party pickup network (Kiala, Alveol, etc.).
`RECLAIM_IN_STATION`	Pickup at an airport, a train station or a travel agency.
`PACKAGE_DELIVERY_COMPANY`	Shipping by the transporter (Colissimo, UPS, etc.).
`ETICKET`	Issue of an electronic ticket, online download of the product.

Values reserved for future use:

value	Description
`CARD_HOLDER_ADDRESS`	Delivery to the buyer.
`VERIFIED_ADDRESS`	Delivery to a verified address.
`NOT_VERIFIED_ADDRESS`	Delivery to a non-verified address.
`SHIP_TO_STORE`	In-store pickup.
`DIGITAL_GOOD`	Digital delivery.
`ETRAVEL_OR_ETICKET`	E-ticket.
`OTHER`	Autre.
`PICKUP_POINT`	Pickup point delivery.
`AUTOMATED_PICKUP_POINT`	Pickup at an automatic pickup point.

identityCode String| Length: 0-150 |Optional

National identifier.

legalName String| Length: 0-100 |Optional

Raison Sociale.

shoppingCart

objet JSON|Optional

Object containing the information about the shopping cart.

Item Details

name Description

insuranceAmount Integer| Length: 1-12 |Optional

Insurance amount for the entire order, expressed in the smallest unit of currency (for example: 30050 for 30050 XPF).

shippingAmount Integer| Length: 1-12 |Optional

Amount of delivery charges for the entire order, expressed in the smallest unit of currency (for example: 30050 for 30050 XPF).

taxAmount Integer| Length: 1-12 |Optional

Tax amount for the entire order, expressed in the smallest unit of currency (for example: 30050 for 30050 XPF).

cartItemInfo

tableau |

Optional

Liste d'objets

Customer/ShoppingCartItemcontaining information about each item in the cart.

Item Details

name Description

productLabel String| Length: 0-255 |Optional

Product name.

productType

énumération|Optional

Product type.

Possible values

value	Description
`FOOD_AND_GROCERY`	Food and grocery.
`AUTOMOTIVE`	Cars / Moto.
`ENTERTAINMENT`	Entertainment / Culture.
`HOME_AND_GARDEN`	Home and gardening.
`HOME_APPLIANCE`	Home equipment.
`AUCTION_AND_GROUP_BUYING`	Auctions and group purchasing.
`FLOWERS_AND_GIFTS`	Flowers and presents.
`COMPUTER_AND_SOFTWARE`	Computers and software.
`HEALTH_AND_BEAUTY`	Health and beauty.
`SERVICE_FOR_INDIVIDUAL`	Services for individuals.
`SERVICE_FOR_BUSINESS`	Services for companies.
`SPORTS`	Sports.
`CLOTHING_AND_ACCESSORIES`	Clothes and accessories.
`TRAVEL`	Travel.
`HOME_AUDIO_PHOTO_VIDEO`	Sound, image and video.
`TELEPHONY`	Telephony.

productRef String| Length: 0-64 |Optional

Product reference.

productQty Integer| Length: 1-12 |Optional

Quantity of the product.

productAmount Integer| Length: 1-12 |Optional

Amount of the product, expressed in the smallest unit of the currency (for example: 30050 for 30050 XPF).

productVat

String| Length: 1-12 |Optional

Amount of tax on the product.

Type of possible values

integer
To express an amount in cents applied to the product concerned.
A decimal number
To express a percentage applied to the amount of the product concerned with a maximum of 4 digits after the decimal point.

The decimal is required to express a percentage. The decimal is marked with the character ".".

previousAuthentication

objet JSON|required

Object containing the data of the last authentication method used.

Item Details

name Description

dsTransID String| Length: 36 |required

Unique transaction identifier generated by the Directory Server (for example: 4317fdc3-ad24-5443-8000-000000000891).

acsTransID String| Length: 36 |required

Unique transaction identifier generated by the ACS (for example: d727ebfe-de4c-4682-85fa-e60ca00a9cff).

dateTime String| Length: 25 |required

Date and time of authentication in ISO 8601 format, in UTC time zone (for example: 2024-10-14T14:57:37+00:00).

effectiveAuthenticationType

énumération|required

Last authentication method used.

Possible values

value	Description
`FRICTIONLESS`	Authentication without buyer interaction.
`CHALLENGE`	Authentication with buyer interaction.
`DATA_ONLY`	Authentication processed by the DS without buyer interaction.

device objet JSON|ignoré

Object containing information about the browser.

paymentForm

objet JSON|required

Object containing the card data.

Item Details

name Description

networkPreference

énumération|required

Name of the preferred network recommended by the merchant.

Possible values

value	Description
`AMEX`	American Express network (SafeKey)
`CB`	Bank Card Network
`DINERS`	Diners network
`DISCOVER`	Discover network
`MASTERCARD`	MasterCard network
`OSB`	Network OSB
`VISA`	Visa network

accountType

énumération|Optional

Card type.

Possible values

value	Description
`CREDIT`	Credit card
`DEBIT`	Debit card

pan String| Length: 16-19 |required

Primary Account Number. Card number.

expiryMonth Integer| Length: 2 |required

2-digit expiration month (for example: "09" for September).

expiryYear Integer| Length: 2 |required

2-digit expiration year (for example: "28" for 2028).

cardHolderName String| Length: 0-45 |Optional

Cardholder's first and last names.

installmentNumber Integer| Length: 3 |Optional

Number of installments.

protocolRequest

objet JSON|required

Object containing information about the authentication protocol.

Item Details

name Description

name

énumération|required

Name of the protocol used by the cardholder authentication services.

Possible values

value	Description
`THREEDS`	3D Secure protocol
`OSB`	Protocol OTP OSB

version

String| Length: 1 |Optional

Version of the authentication protocol to use.

Possible values

value	Description
`1`	Protocol OTP OSB
`2`	3D Secure 2 Protocol

challengePreference énumération|ignoré

Allows you to request authentication with or without buyer interaction.

merchant

objet JSON|required

Object containing information about the contract.

Item Details

name	Description
`mid`	String\| Length: 1-128 \|required Merchant ID. Merchant contract number.
`tid`	String\| Length: 0-128 \|Optional Terminal ID. Point of sale identifier defined on the acceptance contract. This field is only used in Colombia for choosing between REDEBAN and CREDIBANCO.
`name`	String\| Length: 0-25 \|Optional Merchant's name.
`mcc`	String\| Length: 10 \|Optional Merchant Category Code. Code specific to the issuing DS describing the type of activity, product or service of the merchant.

recurring

objet JSON|Optional

Object containing subscription information.

Item Details

name Description

expiryDate String| Length: 10 |Optional

Subscription expiration date (for example: 2025-12-31).

frequency

objet JSON| Length: 0-150 |Optional

Object containing information about the frequency of the subscription.

Item Details

name Description

value Integer| Length: 3 |Optional

Minimum number of units between two payments (for example: 12). See fieldunit.

unit

énumération|Optional

Subscription frequency unit.

Possible values

value	Description
`DAY`	In days.
`MONTH`	In months.
`YEAR`	In years.

The response contains authentication data for future authorization requests.

Use cases

Recurring payments

Step 1 - Subscription to the plan (cardholder present)

Call the Web ServicePCI/Charge/Authenticate to authenticate the buyer:

Fixed frequency and amounts

{
  "amount":"9990",
  "currency":"XPF",
  "recurring":{
    "expiryDate": "2025-05-13",
    "frequency": {
        "unit": "DAY",
        "value": "30"
    }
  },
  "transactionCategory":"PAYMENT",
  "productType":"GOODS_OR_SERVICE_PURCHASE",
  "merchant": {
    "mid":"9876357"
  },
  "paymentForm": {
    "expiryMonth":"09",
    "expiryYear":"28",
    "networkPreference":"VISA",
    "pan":"4970110000000021"
  },
  "device": {
    "acceptHeader":"text/html",
    "colorDepth":"32",
    "deviceType":"BROWSER",
    "ip":"69.89.31.226",
    "javaEnabled": true,
    "language":"FR",
    "screenHeight":"768",
    "screenWidth":"1258",
    "timeZoneOffset":"-120",
    "userAgent":"Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47.0) Gecko/20100101"
  },
  "protocolRequest": {
    "name":"THREEDS",
    "version":"2",
    "challengePreference":"NO_PREFERENCE"
  }
}

Variable frequency and/or amounts

{
  "amount":"9990",
  "currency":"XPF",
  "recurring":{
    "expiryDate": "2025-05-13",
    "frequency": {
        "unit": "DAY",
        "value": "30"
    }
  },
  "transactionCategory":"PAYMENT",
  "productType":"GOODS_OR_SERVICE_PURCHASE",
  "merchant": {
    "mid":"9876357"
  },
  "paymentForm": {
    "expiryMonth":"09",
    "expiryYear":"28",
    "networkPreference":"VISA",
    "pan":"4970110000000021"
  },
  "device": {
    "acceptHeader":"text/html",
    "colorDepth":"32",
    "deviceType":"BROWSER",
    "ip":"69.89.31.226",
    "javaEnabled": true,
    "language":"FR",
    "screenHeight":"768",
    "screenWidth":"1258",
    "timeZoneOffset":"-120",
    "userAgent":"Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47.0) Gecko/20100101"
  },
  "protocolRequest": {
    "name":"THREEDS",
    "version":"2",
    "challengePreference":"NO_PREFERENCE"
  }
}

The objectrecurring is required to set the frequency of payments and the end date of the subscription.

Follow the Web Service integration guidePCI/Charge/Authenticate for processing instructions and authenticating the bearer.

Once the final result has been obtained, you can proceed with the authorization request.

Step 2 - Payment of installments (cardholder not present)

At each deadline, you call the Web ServicePCI/Charge/Authenticate to request authentication 3RI .

The objectrecurring is required to set the frequency of payments and the end date of the subscription.

You must pass the authentication data, obtained when subscribing to the subscription, in the subjectpreviousAuthentication :

Fixed frequency and amounts

{
  "amount":"9990",
  "currency":"XPF",
  "transactionInitiator": "MERCHANT",
  "useCase": "RECURRING_FIXED_TOTALAMOUNT",
  "recurring":{
    "expiryDate": "2025-05-13",
    "frequency": {
        "unit": "DAY",
        "value": "30"
    }
  },
  "productType":"GOODS_OR_SERVICE_PURCHASE",
  "merchant": {
    "mid":"9876357"
  },
  "paymentForm": {
    "expiryMonth":"09",
    "expiryYear":"28",
    "networkPreference":"VISA",
    "pan":"4970110000000021"
  },
  "customer": {
    "previousAuthentication": {
        "dsTransID":"18e46ff7-b882-4102-9af4-aef9f40ee6a6",
        "acsTransID":"410d9fb4-8db1-483e-9a80-f94c3a79017e",
        "dateTime": "2024-10-09T06:37:22+00:00",
        "effectiveAuthenticationType": "CHALLENGE"
    }
  },
  "protocolRequest": {
    "name":"THREEDS",
    "version":"2"
  }
}

Variable frequency and/or amounts

{
  "amount":"9990",
  "currency":"XPF",
  "transactionInitiator": "MERCHANT",
  "useCase": "RECURRING_VARIABLE_TOTAL_AMOUNT",
  "recurring":{
    "expiryDate": "2025-05-13",
    "frequency": {
        "unit": "DAY",
        "value": "30"
    }
  },
  "productType":"GOODS_OR_SERVICE_PURCHASE",
  "merchant": {
    "mid":"9876357"
  },
  "paymentForm": {
    "expiryMonth":"09",
    "expiryYear":"28",
    "networkPreference":"VISA",
    "pan":"4970110000000021"
  },
  "customer": {
    "previousAuthentication": {
        "dsTransID":"18e46ff7-b882-4102-9af4-aef9f40ee6a6",
        "acsTransID":"410d9fb4-8db1-483e-9a80-f94c3a79017e",
        "dateTime": "2024-10-09T06:37:22+00:00",
        "effectiveAuthenticationType": "CHALLENGE"
    }
  },
  "protocolRequest": {
    "name":"THREEDS",
    "version":"2"
  }
}

The response contains the authentication data required for requesting authorization for the installment payment.

To help you, here is a table of correspondence between the data obtained in step 1 and the data required in step 2:

Exit stage 1 (carrier present)	Entrance stage 2 (carrier not present)
`value.extension.dsTransID`	`customer.previousAuthentication.dsTransID`
`value.extension.acsTransID`	`customer.previousAuthentication.acsTransID`
`value.authenticationDateTime`	`customer.previousAuthentication.dateTime`
`value.authenticationType`	`customer.previousAuthentication.effectiveAuthenticationType`

Payments in installments

Step 1: Payment of the first installment (cardholder present)

Call the Web ServicePCI/Charge/Authenticate to authenticate the buyer. Authentication must be requested for the total amount of the installments.

{
  "amount":"12000",
  "currency":"XPF",
  "transactionCategory":"PAYMENT",
  "productType":"GOODS_OR_SERVICE_PURCHASE",
  "merchant": {
    "mid":"9876357"
  },
  "paymentForm": {
    "expiryMonth":"09",
    "expiryYear":"28",
    "networkPreference":"VISA",
    "pan":"4970110000000021",
    "installmentNumber": "3"
  },
  "device": {
    "acceptHeader":"text/html",
    "colorDepth":"32",
    "deviceType":"BROWSER",
    "ip":"69.89.31.226",
    "javaEnabled": true,
    "language":"FR",
    "screenHeight":"768",
    "screenWidth":"1258",
    "timeZoneOffset":"-120",
    "userAgent":"Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47.0) Gecko/20100101"
  },
  "protocolRequest": {
    "name":"THREEDS",
    "version":"2",
    "challengePreference":"NO_PREFERENCE"
  }
}

In this example, the total amount of the installments is 12,000 XPF.

The fieldinstallmentNumber is required to specify the number of installments (e.g. "3" for a payment in 3 installments).

Follow the Web Service integration guidePCI/Charge/Authenticate for processing instructions and authenticating the bearer.

Once the final result has been obtained, you can proceed with the authorization request for the amount of the first installment.

Step 2: Payment of a subsequent installment (cardholder not present)

At each deadline, call the Web ServicePCI/Charge/Authenticate to request authentication 3RI for the amount of the installment.

You must transmit the authentication data obtained during the payment of the first installment, in the subjectpreviousAuthentication :

{
  "amount":"4000",
  "currency":"XPF",
  "transactionInitiator": "MERCHANT",
  "useCase": "INSTALLMENT",  
  "productType":"GOODS_OR_SERVICE_PURCHASE",
  "merchant": {
    "mid":"9876357"
  },
  "paymentForm": {
    "expiryMonth":"09",
    "expiryYear":"28",
    "networkPreference":"VISA",
    "pan":"4970110000000021",
    "installmentNumber": "3"
  },
  "customer": {
    "previousAuthentication": {
        "dsTransID":"18e46ff7-b882-4102-9af4-aef9f40ee6a6",
        "acsTransID":"410d9fb4-8db1-483e-9a80-f94c3a79017e",
        "dateTime": "2024-10-09T06:37:22+00:00",
        "effectiveAuthenticationType": "CHALLENGE"
    }
  },
  "protocolRequest": {
    "name":"THREEDS",
    "version":"2"
  }
}

In this example, authentication is requested for an amount of 4000 XPF.

The response contains the authentication data required for requesting authorization for the installment payment.

To help you, here is a table of correspondence between the data obtained in step 1 and the data required in step 2:

Exit stage 1 (carrier present)	Entrance stage 2 (carrier not present)
`value.extension.dsTransID`	`customer.previousAuthentication.dsTransID`
`value.extension.acsTransID`	`customer.previousAuthentication.acsTransID`
`value.authenticationDateTime`	`customer.previousAuthentication.dateTime`
`value.authenticationType`	`customer.previousAuthentication.effectiveAuthenticationType`

MOTO payment

Call the Web ServicePCI/Charge/Authenticate to authenticate the buyer by specifying your use case:

Payment by phone

{
  "amount":"9990",
  "currency":"XPF",
  "paymentSource": "TELEPHONE_ORDER",
  "useCase": "PAYMENT",
  "productType":"GOODS_OR_SERVICE_PURCHASE",
  "merchant": {
    "mid":"9876357"
  },
  "paymentForm": {
    "expiryMonth":"09",
    "expiryYear":"28",
    "networkPreference":"VISA",
    "pan":"4970110000000021"
  },
  "protocolRequest": {
    "name":"THREEDS",
    "version":"2"
  }
}

Payment by post

{
  "amount":"9990",
  "currency":"XPF",
  "paymentSource": "MAIL_ORDER",
  "useCase": "PAYMENT",
  "productType":"GOODS_OR_SERVICE_PURCHASE",
  "merchant": {
    "mid":"9876357"
  },
  "paymentForm": {
    "expiryMonth":"09",
    "expiryYear":"28",
    "networkPreference":"VISA",
    "pan":"4970110000000021"
  },
  "protocolRequest": {
    "name":"THREEDS",
    "version":"2"
  }
}

The response contains the authentication data required for the authorization request.

Categories

Tags

3RI - Requestor-Initiated Authentication

Operating principle

Use cases