3DS2 - Authentication Challenge failed or abandoned during the challenge
To test this scenario, use one of the card numbers below:
| CARD | Expiry date | Label |
|---|---|---|
| 4970110000000021 | To be chosen | VISA |
| 5100010000000049 | To be chosen | MASTERCARD |
| 375900000000016 | To be chosen | AMEX |
Exchange flow
1. Call to PCI/Charge/CreatePayment Web Service with a 3DS2 enrolled card and authentication data error (status FAILED).
{
"amount": "9990",
"currency": "XPF",
"paymentForms": [
{
"paymentMethodType": "CARD",
"pan": "4970110000000021",
"expiryMonth": "11",
"expiryYear": "27",
"securityCode": "123"
}
],
"customer": {
"email": "sample@example.com"
},
"authenticationDetails":{
"protocol":{
"name":"THREEDS",
"version":"2.1.0",
"directoryServer":"VISA",
"challengePreference":"NO_PREFERENCE"
},
"status":"FAILED",
"authenticationType":"CHALLENGE"
}
}2. Return with the payment refusal.
{
"webService": "PCI/Charge/CreatePayment",
"version": "V4",
"applicationVersion": "5.36.0",
"status": "SUCCESS",
"answer": {
"shopId": "12345678",
"orderCycle": "CLOSED",
"orderStatus": "UNPAID",
"serverDate": "2023-06-02T14:07:43+00:00",
"orderDetails": {
"orderTotalAmount": 9990,
"orderEffectiveAmount": 9990,
"orderCurrency": "XPF",
"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": "",
"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": "163.116.174.21",
"browserUserAgent": null,
"_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": "8dfaaac5be884bf08c22f5bf21f0c718",
"amount": 9990,
"currency": "XPF",
"paymentMethodType": "CARD",
"paymentMethodToken": null,
"status": "UNPAID",
"detailedStatus": "REFUSED",
"operationType": "DEBIT",
"effectiveStrongAuthentication": "DISABLED",
"creationDate": "2023-06-02T14:07:42+00:00",
"errorCode": "PSP_539",
"errorMessage": "3D Secure refusal for the transaction",
"detailedErrorCode": "39",
"detailedErrorMessage": "3D Secure refusal for the transaction.",
"metadata": null,
"transactionDetails": {
"liabilityShift": null,
"effectiveAmount": 9990,
"effectiveCurrency": "XPF",
"creationContext": "CHARGE",
"cardDetails": {
"paymentSource": "EC",
"manualValidation": "NO",
"expectedCaptureDate": "2023-06-02T14:07:42+00:00",
"effectiveBrand": "VISA",
"pan": "497011XXXXXX0021",
"expiryMonth": 9,
"expiryYear": 2027,
"country": "FR",
"issuerCode": 17807,
"issuerName": "Banque Populaire Occitane",
"effectiveProductCode": null,
"legacyTransId": "915243",
"legacyTransDate": "2023-06-02T14:07:42+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": "404ba441-2b70-4995-b262-591ee012227c",
"operationSessionId": "5b7e6be5a5c145cfb1d2e200836d8505",
"protocol": {
"name": "THREEDS",
"version": "2.1.0",
"network": "VISA",
"challengePreference": "NO_PREFERENCE",
"simulation": false,
"_type": "V4/Charge/Authenticate/Protocol"
},
"value": {
"authenticationType": "CHALLENGE",
"authenticationId": {
"_type": "V4/Charge/Authenticate/AuthenticationId"
},
"status": "FAILED",
"extension": {
"authenticationType": "THREEDS_V2",
"paymentUseCase": "SINGLE_PAYMENT",
"_type": "V4/Charge/Authenticate/AuthenticationResultExtensionThreedsV2"
},
"_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": null,
"nature": null,
"_type": "V4/PaymentMethod/Details/CardDetails"
},
"paymentMethodDetails": {
"id": "497011XXXXXX0021",
"paymentSource": "EC",
"manualValidation": "NO",
"expectedCaptureDate": "2023-06-02T14:07:42+00:00",
"effectiveBrand": "VISA",
"expiryMonth": 9,
"expiryYear": 2027,
"country": "FR",
"issuerCode": 17807,
"issuerName": "Banque Populaire Occitane",
"effectiveProductCode": null,
"legacyTransId": "915243",
"legacyTransDate": "2023-06-02T14:07:42+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": "404ba441-2b70-4995-b262-591ee012227c",
"operationSessionId": "5b7e6be5a5c145cfb1d2e200836d8505",
"protocol": {
"name": "THREEDS",
"version": "2.1.0",
"network": "VISA",
"challengePreference": "NO_PREFERENCE",
"simulation": false,
"_type": "V4/Charge/Authenticate/Protocol"
},
"value": {
"authenticationType": "CHALLENGE",
"authenticationId": {
"_type": "V4/Charge/Authenticate/AuthenticationId"
},
"status": "FAILED",
"extension": {
"authenticationType": "THREEDS_V2",
"paymentUseCase": "SINGLE_PAYMENT",
"_type": "V4/Charge/Authenticate/AuthenticationResultExtensionThreedsV2"
},
"_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": [],
"riskAnalysis": [],
"_type": "V4/PaymentMethod/Details/FraudManagement"
},
"subscriptionDetails": {
"subscriptionId": null,
"_type": "V4/PaymentMethod/Details/SubscriptionDetails"
},
"parentTransactionUuid": null,
"mid": "9876543",
"sequenceNumber": 1,
"taxAmount": null,
"preTaxAmount": null,
"taxRate": null,
"externalTransactionId": null,
"nsu": null,
"tid": "001",
"acquirerNetwork": "CB",
"taxRefundAmount": null,
"userInfo": null,
"paymentMethodTokenPreviouslyRegistered": null,
"occurrenceType": "UNITAIRE",
"_type": "V4/TransactionDetails"
},
"_type": "V4/PaymentTransaction"
}
],
"subMerchantDetails": null,
"_type": "V4/Payment"
},
"ticket": "92a1462784dd407f90f850a20b4564db",
"serverDate": "2023-06-02T14:07:43+00:00",
"applicationProvider": "",
"metadata": null,
"mode": "TEST",
"serverUrl": "https://api.secure.osb.pf",
"_type": "V4/WebService/Response"
}