Implementing a 3DS Integration using the Authentication API

This guide outlines all the steps that are required to add 3DS to your gateway integration using the Authentication API, including how to use the authentication result to process a payment.

Step 1: Initiate Authentication

The Initiate Authentication operation is used to determine the 3DS versions available to you for a given card, which will be based on

  • the 3DS versions configured on your merchant profile
  • the card type
  • preferences you have indicated in the request
  • the outcome of requests the gateway has sent to the relevant authentication providers to check availability or support for the given card, and
  • the gateway's 3DS transaction filtering rules configured by you or your payment service provider.

The operation also enables any background activities (such as a ACS Method call) to be carried out for purposes such as gathering additional payer data to support a subsequent Authenticate Payer operation.

Initiate Authentication Request

You can initiate authentication by providing the following fields in the Initiate Authentication request:

Parameter Existence Description
session.id or sourceOfFunds.provided.card.* or sourceOfFunds.token Required Details of the card being used for the payment.
Note that you can also use network tokens and device payment tokens as source of funds in payer authentication. For more information, see FAQs.
order.currency Required The currency of the order.
transaction.id Required A unique identifier for this payment authentication.
order.id Required A unique identifier for this order.
authentication.channel Required The channel in which the authentication request is being initiated. You can specify one of the following:
  • MERCHANT_REQUESTED: If you are requesting authentication of a cardholder without the payer being available for interaction (for example, as part of processing of a recurring payment). This option is currently not supported.
  • PAYER_BROWSER: If the payer is interacting through web browser (for example, with the merchant's ecommerce web-site).
  • PAYER_APP: If the payer is interacting through an application. The mobile SDK will set this value for you. Please see Mobile SDK Integration for further information.
authentication.purpose Optional By default, this field is set to "PAYMENT_TRANSACTION" to indicate that authentication is to be performed when processing a card payment. However, you can specify a different purpose to indicate non-payment authentication. See Submit a Non-Payment Authentication Request.
authentication.acceptVersions Optional The 3DS versions that you will accept for this payment. If you do not specify a version, both 3DS1 and 3DS2 will be accepted. The gateway uses 3DS2 (if supported by the issuer and the card). If both are not available, the authentication will not proceed.
order.merchantCategoryCode Optional Provide the Merchant Category Code if you want to override the default value configured on your acquirer link.

To allow any ACS Method call process to complete before you attempt the Authenticate Payer operation, it is recommended that you submit the Initiate Authentication operation at the earliest opportunity in your checkout process, and act on the response immediately. This will typically be when the payer completes entering their card number on the checkout page, for example, 'onBlur' event of the Card Number input field, or when selecting a card from those recorded against their account, if your site has card-on-file capabilities. Allow at least ten seconds for the ACS Method call to complete.

When you submit the Authenticate Payer request before the ACS Method call completes, the Authenticate Payer request proceeds but the Authenticate Payer response indicates that the method complete indicator is set to "false". If the issuer's ACS has successfully completed the method call to obtain additional information about the payer's browser, the method complete indicator in the Authenticate Payer response will indicate "true".

Initiate Authentication Response

The gateway returns the following key fields in the Initiate Authentication response:

  • authentication.version: If EMV 3DS authentication is available for the payer, 3DS2 is returned. Otherwise, NONE will be returned.
  • authentication.3ds2.methodSupported: If 3DS2 is available and if the issuer's ACS supports a Method call, this field shows SUPPORTED. The Method call can be used by the ACS to gather additional data prior to the authentication request to increase the likelihood of frictionless authentication being available. The method call is triggered in a hidden iframe, so is invisible to the payer. It also does not provide any callback upon completion.
  • transaction.authenticationStatus: Check out this field if you want more details about the authentication status.
  • response.gatewayRecommendation: This field allows you to determine the next step. Please note that this recommendation is only based on the 3DS transaction filtering rules configured by you or your payment service provider.

    response.gatewayRecommendation Next step
    PROCEED You can proceed to authenticate the payer using the Authenticate Payer operation.
    RESUBMIT_WITH_ALTERNATIVE_PAYMENT_DETAILS Ask the payer for alternative payment details (For example, a new card or another payment method) and resubmit the request with the new details. Do not resubmit the same request.
  • authentication.redirect.html: Insert the content of this field into the page being displayed to the payer. To do this, add the text content to a hidden DIV element and specify the script identifier in the HTML DOM. This will construct and post the form automatically. For example,
    div.innerHtml= response.authentication.redirect.html;
     
    eval(document.getElementById('initiate-authentication-script').text)
    	
    If the gateway recommends you to not proceed, then inserting the content of this field into your webpage will not execute any functionality.
Examples
Initiate Authentication Request
URL https://na.gateway.mastercard.com/api/rest/version/<version>/merchant/<your_merchant_ID>/order/<your_order_ID>/transaction/<your_transaction_ID>
HTTP Method PUT
{ 
   "authentication":{ 
      "acceptVersions":"3DS1,3DS2",
      "channel":"PAYER_BROWSER",
      "purpose":"PAYMENT_TRANSACTION"
   },
   "correlationId":"test",
   "order":{ 
      "currency":"AUD"
   },
   "sourceOfFunds":{ 
      "provided":{ 
         "card":{ 
            "number":"<card_number>"
         }
      }
   },
   "apiOperation":"INITIATE_AUTHENTICATION"
}
	
Initiate Authentication Response -3DS2
{
    "authentication": {
        "3ds2": {
            "directoryServerId": "A999999999",
            "methodCompleted": false,
            "methodSupported": "SUPPORTED",
            "protocolVersion": "2.1.0",
            "requestorId": "test40Field@S^2sfds2ID",
            "requestorName": "test40Field@S^2sfds2Name"
        },
        "acceptVersions": "3DS1,3DS2",
        "channel": "PAYER_BROWSER",
        "purpose": "PAYMENT_TRANSACTION",
        "redirect": {
            "customizedHtml": {
                "3ds2": {
                    "methodPostData": "eyJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIjoiaHR0cHM6Ly9kbDAzYXNwYWxsMDN2Lm1wZ3NkZXYubWFzdGVyY2FyZC5pbnQvY2FsbGJhY2tJbnRlcmZhY2UvZ2F0ZXdheS9mOGIzNjQ5ZDRiOWU3OTg4M2M0ODE4MmRjZmRkY2JjYTAxMTE3MTc0ZTkxODRiODAzM2NkMzg3NTQ4MjlhMTRlIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiJjYTdjMTU0YS1jZTZkLTRkNjYtYTc4My02MjdmZTcyMjQ4ZTEifQ==",
                    "methodUrl": "<method_url>"
                }
            },
            "html": "<div id=\"initiate3dsSimpleRedirect\" xmlns=\"http://www.w3.org/1999/html\"> <iframe id=\"methodFrame\" name=\"methodFrame\" height=\"100\" width=\"200\" > </iframe> <form id =\"initiate3dsSimpleRedirectForm\" method=\"POST\" action=\"<method_url>" target=\"methodFrame\"> <input type=\"hidden\" name=\"threeDSMethodData\" value=\"eyJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIjoiaHR0cHM6Ly9kbDAzYXNwYWxsMDN2Lm1wZ3NkZXYubWFzdGVyY2FyZC5pbnQvY2FsbGJhY2tJbnRlcmZhY2UvZ2F0ZXdheS9mOGIzNjQ5ZDRiOWU3OTg4M2M0ODE4MmRjZmRkY2JjYTAxMTE3MTc0ZTkxODRiODAzM2NkMzg3NTQ4MjlhMTRlIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiJjYTdjMTU0YS1jZTZkLTRkNjYtYTc4My02MjdmZTcyMjQ4ZTEifQ==\" /> </form> <script id=\"initiate-authentication-script\"> var e=document.getElementById(\"initiate3dsSimpleRedirectForm\"); if (e) { e.submit(); if (e.parentNode !== null) { e.parentNode.removeChild(e); } } </script> </div>"
        },
        "version": "3DS2"
    },
    "correlationId": "test",
    "merchant": "TEST3DS12AUTH",
    "order": {
        "authenticationStatus": "AUTHENTICATION_AVAILABLE",
        "creationTime": "2022-06-24T06:57:32.714Z",
        "currency": "USD",
        "id": "TEST4",
        "lastUpdatedTime": "2022-06-24T06:57:32.661Z",
        "merchantCategoryCode": "1234",
        "status": "AUTHENTICATION_INITIATED",
        "totalAuthorizedAmount": 0,
        "totalCapturedAmount": 0,
        "totalRefundedAmount": 0
    },
    "response": {
        "gatewayCode": "AUTHENTICATION_IN_PROGRESS",
        "gatewayRecommendation": "PROCEED"
    },
    "result": "SUCCESS",
    "sourceOfFunds": {
        "provided": {
            "card": {
                "brand": "MASTERCARD",
                "fundingMethod": "CREDIT",
                "number": "512345xxxxxx0008",
                "scheme": "MASTERCARD"
            }
        },
        "type": "CARD"
    },
    "timeOfLastUpdate": "2022-06-24T06:57:32.661Z",
    "timeOfRecord": "2022-06-24T06:57:32.714Z",
    "transaction": {
        "amount": 0,
        "authenticationStatus": "AUTHENTICATION_AVAILABLE",
        "currency": "USD",
        "id": "1",
        "type": "AUTHENTICATION"
    },
    "version": "67"
}

Step 2: Authenticate Payer

Where the Initiate Authentication response has indicated authentication to be available (transaction.authenticationStatus=AUTHENTICATION_AVAILABLE), and once all payer and payment data has been gathered, you can submit the Authenticate Payer request. You should invoke this when the payer clicks the "Pay Now" button on the checkout page.

Use the same API version as the Initiate Authentication request for the Authenticate Payer request.
Authenticate Payer Request

Submit this operation by providing the following fields.

Parameter Existence Description
session.id or sourceOfFunds.provided.card.* or sourceOfFunds.token Required Details of the card being used for the payment.
order.amount Required The total amount of the order.
transaction.id Required The same transaction.id as the Initiate Authentication operation that preceded it.
order.id Required The same order.id as the Initiate Authentication operation that preceded it.
authentication.redirectResponseUrl Optional The URL to which you want to redirect the payer after completing the payer authentication process. You must provide this URL, unless you are certain that there will be no interaction with the payer.
order.merchantCategoryCode Optional If you do not provide a value, the default configured on your merchant profile will be used.
device.browser Optional Required if authentication.channel=PAYER_BROWSER.
device.ipAddress Optional Required if authentication.channel=PAYER_BROWSER, but with provision to exclude where necessary to comply with local legislation.
device.browserDetails parameter group Optional Required if authentication.channel=PAYER_BROWSER.
billing.address parameter group Optional It is strongly recommended that you include this in your request whenever available.
shipping.address parameter group Optional It is strongly recommended that you include this in your request whenever available.
customer parameter group Optional It is strongly recommended that you include this in your request whenever available.
Authenticate Payer Response

The gateway returns the following key fields in the Authenticate Payer response:

  • transaction.authenticationStatus: Check out this field if you want more details about the authentication status.
  • response.gatewayRecommendation: This field allows you to determine whether you should proceed to a financial transaction or not. This recommendation is only based on the 3DS transaction filtering rules configured by you or your payment service provider.

    response.gatewayRecommendation Next step
    PROCEED You can proceed to complete the authentication process (challenge flow) or proceed to complete the payment (frictionless flow). If the Authorization for the payment was successful, proceed with capturing the funds and if applicable, ship the goods.
    DO_NOT_PROCEED_ABANDON_ORDER Do not submit the same request again. The payment service provider, scheme, or issuer require you to abandon the order.
    RESUBMIT_WITH_ALTERNATIVE_PAYMENT_DETAILS Ask the payer for alternative payment details (For example, a new card or another payment method) and resubmit the request with the new details. Do not resubmit the same request.
  • authentication.redirect.html: Insert the content of this field into the page being displayed to the payer. To do this, add the text content to a DIV element and specify the script identifier in the HTML DOM. This will construct and post the form automatically. For example,
    div.innerHtml= response.authentication.redirect.html;
     
    eval(document.getElementById('authenticate-payer-script').text)
    	
    If the gateway recommends you to not proceed, then inserting the content of this field into your webpage will not execute any functionality.

Frictionless Flow

This will redirect the payer’s browser straight back to your website. You can proceed to submit a subsequent payment to the gateway. The gateway will obtain the authentication data related to the payment and will ensure that payments will only be processed where all the 3DS transaction filtering rules (configured by you or your payment service provider) have passed.

Challenge Flow

This will redirect the payer’s browser to the ACS where the issuer’s challenge UI will be presented, after which the payer will be redirected back to your web site. The following fields are returned in the callback once the payer's browser has been returned to your website.

  • order.id
  • transaction.id
  • response.gatewayRecommendation
  • result

You can determine the authentication outcome using the value returned in the response.gatewayRecommendation field. This recommendation is only based on the 3DS transaction filtering rules configured by you or your payment service provider.

If you want additional response data, you can use the Retrieve Transaction operation.

response.gatewayRecommendation Next step
PROCEED You can proceed with the payment as authentication is granted.
DO_NOT_PROCEED_ABANDON_ORDER Do not submit the same request again. The payment service provider, scheme, or issuer require you to abandon the order.
RESUBMIT_WITH_ALTERNATIVE_PAYMENT_DETAILS Ask the payer for alternative payment details (For example, a new card or another payment method) and resubmit the request with the new details. Do not resubmit the same request
Authenticate Payer Response Fields

The fields returned in the Authentication Payer response depend on the flow in effect (frictionless vs challenge), how the authentication request was initiated (authentication.channel), and the authentication mechanism for the request (session or certificate or password).

The following fields are returned for a certificate/password authenticated request. For a session-authenticated operation, the response is filtered to remove data that's not related to the payer and only whitelisted fields are returned. For more information, see session-authentication.

Response Field Merchant-authenticated
authentication.method Yes
authentication.3ds.authenticationToken *
authentication.3ds.acsEci Yes
authentication.3ds.transactionId Yes
authentication.3ds2.transactionStatus *
authentication.3ds2.acsTransactionId *
authentication.3ds2.dsTransactionId *
authentication.3ds2.3dsServerTransactionId *
authentication.3ds2.3dsServerTransactionId *
authentication.3ds2.protocolVersion *
authentication.amount Yes
authentication.redirect.html Yes
authentication.time Yes
response.gatewayRecommendation Yes
transaction.type Yes
version Yes
timeOfRecord Yes
result Yes
response.debugInformation *
* Where applicable, based on the 3DS version and flow, such as frictionless versus challenge, are in effect.
Examples
Authenticate Payer Request
URL https://na.gateway.mastercard.com/api/rest/version/<version>/merchant/<your_merchant_ID>/order/<your_order_ID>/transaction/<your_transaction_ID>
HTTP Method PUT
{
  "authentication":{
    "redirectResponseUrl":"<host>/merchantSimulator/jsp/simple/output.jsp"
  },
  "correlationId":"test",
  "device": {
    "browser": "MOZILLA",
    "browserDetails": {
      "3DSecureChallengeWindowSize": "FULL_SCREEN",
      "acceptHeaders": "application/json",
      "colorDepth": 24,
      "javaEnabled": true,
      "language": "en-US",
      "screenHeight": 640,
      "screenWidth": 480,
      "timeZone": 273
    },
    "ipAddress": "127.0.0.1"
   },
   "order":{
      "amount":"100",
      "currency":"AUD"
   },
   "sourceOfFunds":{ 
        "provided":{ 
            "card":{ 
                "number":"<card_number>",
                "expiry":{
                    "month":"1",
                    "year":"39"
                }
            }
        }
    },
  "apiOperation": "AUTHENTICATE_PAYER"
}
	
Authenticate Payer Response - 3DS2 Challenge Flow
{
    "authentication": {
        "3ds": {
            "transactionId": "a4d6ce7a-52ed-46c4-b1b8-0a64ffa3fdd8"
        },
        "3ds2": {
            "3dsServerTransactionId": "cf976f0d-cb19-454f-a5b3-3cf09ae07e38",
            "acsTransactionId": "c8027c6a-94da-480d-9270-85098bc680d5",
            "directoryServerId": "A999999999",
            "dsTransactionId": "a4d6ce7a-52ed-46c4-b1b8-0a64ffa3fdd8",
            "methodSupported": "NOT_SUPPORTED",
            "protocolVersion": "2.1.0",
            "requestorId": "test40Field@S^2sfds2ID",
            "requestorName": "test40Field@S^2sfds2Name",
            "sdk": {
                "timeout": 400,
                "uiType": "TEXT"
            },
            "transactionStatus": "C"
        },
        "amount": 100.00,
        "method": "OUT_OF_BAND",
        "payerInteraction": "REQUIRED",
        "redirect": {
            "customizedHtml": {
                "3ds2": {
                    "acsUrl": "<acs_url>",
                    "cReq": "eyJ0aHJlZURTU2VydmVyVHJhbnNJRCI6ImNmOTc2ZjBkLWNiMTktNDU0Zi1hNWIzLTNjZjA5YWUwN2UzOCJ9"
                }
            },
            "domainName": "<acs_domain>",
            "html": "<div id=\"threedsChallengeRedirect\" xmlns=\"http://www.w3.org/1999/html\"style=\" height: 100vh\"> <form id =\"threedsChallengeRedirectForm\" method=\"POST\" action=\"<acs_url>" target=\"challengeFrame\"> <input type=\"hidden\" name=\"creq\" value=\"eyJ0aHJlZURTU2VydmVyVHJhbnNJRCI6ImNmOTc2ZjBkLWNiMTktNDU0Zi1hNWIzLTNjZjA5YWUwN2UzOCJ9\" /> </form> <iframe id=\"challengeFrame\" name=\"challengeFrame\" width=\"100%\" height=\"100%\" ></iframe> <script id=\"authenticate-payer-script\"> var e=document.getElementById(\"threedsChallengeRedirectForm\"); if (e) { e.submit(); if (e.parentNode !== null) { e.parentNode.removeChild(e); } } </script> </div>"
        },
        "time": "2022-06-24T07:04:34.836Z",
        "version": "3DS2"
    },
    "correlationId": "test",
    "device": {
        "browser": "mozilla",
        "ipAddress": "127.0.0.1"
    },
    "merchant": "TEST3DS12AUTH",
    "order": {
        "amount": 100.00,
        "authenticationStatus": "AUTHENTICATION_PENDING",
        "creationTime": "2022-06-24T07:03:43.780Z",
        "currency": "USD",
        "id": "TEST6",
        "lastUpdatedTime": "2022-06-24T07:04:34.795Z",
        "merchantCategoryCode": "1234",
        "status": "AUTHENTICATION_INITIATED",
        "totalAuthorizedAmount": 0,
        "totalCapturedAmount": 0,
        "totalRefundedAmount": 0,
        "valueTransfer": {
            "accountType": "NOT_A_TRANSFER"
        }
    },
    "response": {
        "gatewayCode": "PENDING",
        "gatewayRecommendation": "PROCEED"
    },
    "result": "PENDING",
    "sourceOfFunds": {
        "provided": {
            "card": {
                "brand": "MASTERCARD",
                "expiry": {
                    "month": "1",
                    "year": "39"
                },
                "fundingMethod": "CREDIT",
                "number": "512345xxxxxx8212",
                "scheme": "MASTERCARD"
            }
        },
        "type": "CARD"
    },
    "timeOfLastUpdate": "2022-06-24T07:04:34.795Z",
    "timeOfRecord": "2022-06-24T07:03:43.780Z",
    "transaction": {
        "acquirer": {
            "merchantId": "123456"
        },
        "amount": 100.00,
        "authenticationStatus": "AUTHENTICATION_PENDING",
        "currency": "USD",
        "id": "1",
        "type": "AUTHENTICATION"
    },
    "version": "67"
}

Step 3: Use the Authentication Result in a Payment Operation

When the result of the Authenticate Payer operation indicates that you can proceed with the payment (response.gatewayRecommendation=PROCEED), you may initiate an Authorize or Pay operation. In addition to the standard fields, you must provide the following fields:

  • order.id: Provide the order.id that you supplied in the Initiate Authentication and Authenticate Payer operations.
  • authentication.transactionId: Provide the transaction.id that you supplied in the Initiate Authentication and Authenticate Payer operations. You do not need to include any of the fields in the authentication parameter group, as the gateway will use the authentication.transactionId to look up the authentication results that it stored when you asked it to perform authentication. The gateway will pass the required information to the acquirer.
Examples
Pay Request
URL https://na.gateway.mastercard.com/api/rest/version/<version>/merchant/<your_merchant_ID>/order/<your_order_ID>/transaction/<your_transaction_ID>
HTTP Method PUT
 
{
    "apiOperation":"PAY",
    "authentication":{
        "transactionId":"<your_transaction_ID>"
    },
    "order":{
        "amount":"100",
        "currency":"AUD",
        "reference":"<your_order_ID>"
    },
    "sourceOfFunds":{
        "provided":{ 
            "card":{ 
                "number":"<card_number>",
                "expiry":{
                    "month":"1",
                    "year":"39"
                }
            }
        },
        "type":"CARD"
    },
    "transaction":{
        "reference":"<your_order_ID>"
    }
}
	
Pay Response - 3DS2
{
   "authentication":{
      "3ds":{
         "acsEci":"02",
         "authenticationToken":"kHyn+7YFi1EUAREAAAAvNUe6Hv8=",
         "transactionId":"39c25b96-7bc3-4586-bee8-056479fed3af"
      },
      "3ds2":{
         "dsTransactionId":"39c25b96-7bc3-4586-bee8-056479fed3af",
         "protocolVersion":"2.1.0",
         "transactionStatus":"Y"
      },
      "transactionId":"249213216",
      "version":"3DS2"
   },
   "authorizationResponse":{
      "posData":"1605S0100130",
      "transactionIdentifier":"TidTest"
   },
   "device":{
      "browser":"MOZILLA",
      "ipAddress":"127.0.0.1"
   },
   "gatewayEntryPoint":"WEB_SERVICES_API",
   "merchant":"TEST_3DS2-1",
   "order":{
      "amount":100.00,
      "authenticationStatus":"AUTHENTICATION_SUCCESSFUL",
      "chargeback":{
         "amount":0,
         "currency":"AUD"
      },
      "creationTime":"2021-04-13T02:11:06.102Z",
      "currency":"AUD",
      "id":"807a01b6-e6c8-4aa7-b8da-799bfff89496",
      "lastUpdatedTime":"2021-04-13T02:11:57.049Z",
      "merchantAmount":100.00,
      "merchantCategoryCode":"1234",
      "merchantCurrency":"AUD",
      "reference":"807a01b6-e6c8-4aa7-b8da-799bfff89496",
      "status":"CAPTURED",
      "totalAuthorizedAmount":100.00,
      "totalCapturedAmount":100.00,
      "totalRefundedAmount":0.00
   },
   "response":{
      "acquirerCode":"00",
      "gatewayCode":"APPROVED"
   },
   "result":"SUCCESS",
   "sourceOfFunds":{
      "provided":{
         "card":{
            "brand":"MASTERCARD",
            "expiry":{
               "month":"1",
               "year":"39"
            },
            "fundingMethod":"CREDIT",
            "issuer":"<issuer>",
            "number":"512345xxxxxx0008",
            "scheme":"Mastercard",
            "storedOnFile":"NOT_STORED"
         }
      },
      "type":"CARD"
   },
   "timeOfLastUpdate":"2021-04-13T02:11:57.049Z",
   "timeOfRecord":"2021-04-13T02:11:56.973Z",
   "transaction":{
      "acquirer":{
         "batch":1,
         "id":"<acquirer_id>",
         "merchantId":"99554411"
      },
      "amount":100.00,
      "authenticationStatus":"AUTHENTICATION_SUCCESSFUL",
      "authorizationCode":"028941",
      "currency":"AUD",
      "id":"1",
      "receipt":"1908266016",
      "reference":"807a01b6-e6c8-4aa7-b8da-799bfff89496",
      "source":"INTERNET",
      "stan":"496",
      "terminal":"1234",
      "type":"PAYMENT"
   },
   "version":"60"
}

FAQs

Can I use the Authentication API as a client-side API?

You can use the Authentication API as a server-side or a client-side API.

  • Client-side API: You must first establish the authentication channel where your merchant server must communicate with the gateway server for creating the session on the gateway. Once the session is created, you can use it to authenticate all the subsequent API operations needed for managing the 3DS integration flows directly from the browser using the 3DS JavaScript API or using your own library.
  • Server-side API: You must perform all the operations needed for managing the 3DS integration flows directly from your merchant server to the gateway server. You can support all authentication transaction modes via the Authentication API.
    • Authentication Only: Perform Initiate Authentication and Authenticate Payer.
    • Authentication and Payment Transaction: Perform Initiate Authentication, Authenticate Payer, and Authorize/Pay.
    • Pre-authenticated Payment Transaction: Perform Authorize/Pay using authentication details from an external provider.

For other general FAQs about the 3-D Secure, see Authentication FAQs.

Test your integration

For more information about the test your integration, see Test your integration.

Copyright © 2022 Mastercard