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  Documentation

API Reference

Learn about parameters that you can use in your 3D Secure 2 request.

To support 3D Secure 2 authentication, use v41 or later of the following endpoints :

This page describes payload structures and objects for API. If you are using a classic integration, see 3D Secure 2 classic integration.

3D Secure 2 additional data objects

In addition to the regular parameters you provide on your payment request, we recommend that you provide all available information to increase the likelihood of achieving a frictionless flow and a higher authorisation rate.

Some of these objects might be mandatory for the issuer and the card scheme, and not providing them in your payment request might result in a failed authentication. Click the object names to see all the parameter descriptions for that object.

Object name Required Description
accountInfo -x- Shopper account information for 3D Secure 2.
billingAddress -x- We strongly recommend that you include this in your request. Card schemes require this for channel web, iOS, and Android implementations.
browserInfo -x- Required for channel web.
deliveryAddress -x- The address where the purchased goods should be delivered. Include this in your request whenever available.
installments -x- Include in your request when you want to split the payments into installments.
merchantRiskIndicator -x- Additional risk fields for 3D Secure 2. Include this in your request whenever available.
mpiData -x- Use this object to authorise a payment with Adyen if you have 3D Secure 2 authentication data from another 3D Secure 2 provider.
shopperEmail -x- We strongly recommend that you include this in your request. Card schemes require this for channel web, iOS, and Android implementations.
threeDS2RequestData -x- Include this in your request when specifically required in your integration. For example, in a 3D Secure 2 authentication-only implementation.

Payload structure

Field Type Description
threeds2.fingerprintToken Base64url encoded string

Required to initialize the device fingerprinting process. This contains the following parameters:

  • threeDSMethodNotificationURL
  • threeDSMethodUrl
  • threeDSServerTransID
threeds2.challengeToken Base64url encoded string Required to initialize the challenge flow. This contains the following parameters:
  • acsReferenceNumber
  • acsTransID
  • acsURL
  • messageVersion
  • threeDSNotificationURL
  • threeDSServerTransID
threeds2.fingerprint Base64 encoded string

Returned by the Component after the challenge flow. This contains the following parameters:

  • threeDSCompInd
threeds2.challengeResult Base64 encoded string

Returned by the Component after the challenge flow. This contains the following parameters:

  • transStatus

accountInfo

Field Type Required Description

accountAgeIndicator

String -x-

Indicator for the length of time since this shopper account was created.

Allowed values:

  • notApplicable

  • thisTransaction
  • lessThan30Days
  • from30To60Days
  • moreThan60Days

accountChangeDate

String -x-

Date when the shopper's account was last changed.

Format: ISO 8601 YYYY-MM-DDThh:mm:ssTZD

Sample: 2017-07-17T13:42:40+01:00

accountChangeIndicator

String -x-

Indicator for when the shopper's account was last changed.

Allowed values:

  • thisTransaction

  • lessThan30Days
  • from30To60Days
  • moreThan60Days

accountCreationDate

String -x-

Date when the shopper's account was created.

Format: ISO 8601 YYYY-MM-DDThh:mm:ssTZD

Sample: 2017-07-17T13:42:40+01:00

passwordChangeDate

String -x-

Date when the shopper last changed their password.

Format: ISO 8601 YYYY-MM-DDThh:mm:ssTZD

Sample: 2017-07-17T13:42:40+01:00

passwordChangeDateIndicator

String -x-

Indicator for when the shopper's account was last changed.

Allowed values:

  • thisTransaction
  • lessThan30Days
  • from30To60Days
  • moreThan60Days

purchasesLast6Months

Integer -x-

Number of purchases in the last 6 months.

addCardAttemptsDay

Integer -x-

Number of attempts the shopper tried to add a card to their account in the last day.

pastTransactionsDay

Integer -x-

Number of transactions from this shopper in the past 24 hours.

pastTransactionsYear

Integer -x-

Number of transactions from this shopper in the past year.

paymentAccountAge

String -x-

Date this payment method was added to the shopper's account.

Format: ISO 8601 YYYY-MM-DDThh:mm:ssTZD

Sample: 2017-07-17T13:42:40+01:00

paymentAccountIndicator

String -x-

Indicator for the length of time since this payment method was added to the shopper's account.

Allowed values:

  • notApplicable

  • thisTransaction
  • lessThan30Days
  • from30To60Days
  • moreThan60Days

deliveryAddressUsageDate

String -x-

Date the selected delivery address was last used.

Format: ISO 8601 YYYY-MM-DDThh:mm:ssTZD

Sample: 2017-07-17T13:42:40+01:00

deliveryAddressUsageIndicator

String -x-

Indicator for when this delivery address was last used.

  • thisTransaction
  • lessThan30Days
  • from30To60Days
  • moreThan60Days

suspiciousActivity

Boolean -x- Whether suspicious activity was recorded on this account.

homePhone

String -x-

Shopper's home phone number (including the country code).

mobilePhone

String -x-

Shopper's mobile phone number (including the country code).

workPhone

String -x-

Shopper's work phone number (including the country code).

billingAddress

We strongly recommend that you include this in your request. Card schemes require this for channel web, iOS, and Android implementations. If you include this object in your request, provide the following fields.

Field Type Required Description
city String -white_check_mark- The name of the city.
country String -white_check_mark- The two-character country code as defined in ISO-3166-1 alpha-2. For example, US.
houseNumberOrName String -white_check_mark- The number or name of the house.
postalCode String -white_check_mark- A maximum of five digits for an address in the US, or a maximum of ten characters for an address in all other countries.
stateOrProvince String -x- State or province codes as defined in ISO 3166-2. Required for the US and Canada. For example, SF in US or ON for Canada.
street String -white_check_mark- The name of the street.

browserInfo

This object is required for channel web. If you include this object in your request, provide the following field.

Field Type Required Description
acceptHeader String -white_check_mark- The accept header value of the shopper's browser.
colorDepth Int

-white_check_mark-

The color depth of the shopper's browser.
javaEnabled Boolean

-white_check_mark-

Boolean value indicating if the shopper's browser is able to execute Java.
javaScriptEnabled Boolean

-x-

Boolean value indicating if the shopper's browser is able to execute JavaScript. A default 'true' value is assumed if the field is not present.
language String

-white_check_mark-

The name of the browser language used by the shopper. Usually a two letter country code.

Examples: NL , FR , US .

screenHeight Int

-white_check_mark-

The pixel height of the shopper's screen.
screenWidth Int

-white_check_mark-

The pixel width of the shopper's screen.
timeZoneOffset String

-white_check_mark-

Time difference between UTC time and the shopper's browser local
time, in minutes. Example: "-120"

userAgent String

-white_check_mark-

The user agent value of the shopper's browser.

installments

Include this object in your request when you want to split the payment into installments. If you include this object in your request, provide the following field.

Field Type Required Description
value Int -white_check_mark- Required only when you want to split the payment into installments. The number of installments, value needs to be greater than zero. Usually, the acquirer sets the maximum allowed number of installments. For example, it may not be possible to split a payment in more than 24 installments.

merchantRiskIndicator

Field Type Required Description
addressMatch Boolean -x-

Whether the chosen delivery address is identical to the billing address.

deliveryEmail String -x-

The delivery email address (for digital goods).

deliveryTimeframe String -x-

The estimated delivery time for the shopper to receive the goods.

Allowed values:

  • electronicDelivery
  • sameDayShipping
  • overnightShipping
  • twoOrMoreDaysShipping
giftCardAmount Integer -x-

The amount purchased with a prepaid or gift card.

giftCardCount String -x-

Number of individual prepaid or gift cards used for this purchase.

preOrderDate String -x-

For pre-order purchases, the expected date this product will be available to the shopper.

Format: ISO 8601 YYYY-MM-DDThh:mm:ssTZD

Sample: 2017-07-17T13:42:40+01:00

preOrderPurchase Boolean -x-

Whether this transaction is for pre-ordering a product.

reorderItems Boolean -x-

Whether the shopper has already purchased the same items in the past.

deliveryAddressIndicator String -x-

Indicator regarding the delivery address.

Allowed values:

  • shipToBillingAddress
  • shipToVerifiedAddress
  • shipToNewAddress
  • shipToStore
  • digitalGoods
  • goodsNotShipped
  • other

mpiData

To authorise payments with Adyen using 3D Secure authenticated data, send a /payments request with an mpiData object containing the following parameters. Get the values from the authentication data produced by a 3D Secure 1 MPI (Mastercard SecureCode or Verified By Visa) or a 3D Secure 2 provider.

Field Type Required Description
authenticationResponse String -x- In 3D Secure 1, this is the authentication response if a shopper was redirected. In 3D Secure 2, include this parameter if the transaction goes through a challenge authentication flow. This is the transStatus from the last CRes (Challenge Response) message from the ACS to the 3D Secure client or in the RRes (Results Request) from ACS to 3D Secure server sent after the shopper completes the challenge.
cavv String -x- This is the cardholder authentication value (base64 encoded, 20 bytes in a decoded form).
cavvAlgorithm String -x- Include this only for 3D Secure 1. The CAVV algorithm used.
directoryResponse String -x- The enrollment response from the directory server. In 3D Secure 2 specifications, this is the transStatus from the ARes (Authentication Request) message sent by the ACS to the 3D Secure provider.
dsTransID String -x- Supported for 3D Secure 2. The unique transaction identifier assigned by the Directory Server to identify a single transaction.
eci String -x- The electronic commerce indicator.
xid String -x- Supported for 3D Secure 1. The transaction identifier assigned by directory server (base64 encoded, 20 bytes in a decoded form).
threeDSVersion String -x- Include this only for 3D Secure 2. The current supported version is 2.1.0.

deliveryAddress

Include this object in your request if you want to submit the shopper's delivery address. If you include this object in your request, provide the following fields.

Field Type Required Description
city String -white_check_mark- The name of the city.
country String -white_check_mark- The two-character country code as defined in ISO-3166-1 alpha-2. For example, US.
houseNumberOrName String -white_check_mark- The number or name of the house.
postalCode String -white_check_mark- A maximum of five digits for an address in the US, or a maximum of ten characters for an address in all other countries.
stateOrProvince String -x- State or province codes as defined in ISO 3166-2. Required for the US and Canada. For example, SF in US or ON for Canada.
street String -white_check_mark- The name of the street.

shopperEmail

We strongly recommend that you include this in your request. Card schemes require this for channel web, iOS, and Android implementations.

Field Type Required Description
shopperEmail String -x- The cardholder's email address.

threeDS2RequestData

Field Type Required Description
acquirerBIN String -x- The acquiring BIN enrolled for 3D Secure 2. Required if you enrolled for 3D Secure 2 through a different acquirer or PSP and are performing an authentication-only integration. This string should match the value that you will use in the authorization.
acquirerMerchantID String -x- The authorisation MID enrolled for 3D Secure 2. Required if you enrolled for 3D Secure 2 through a different acquirer or PSP and are performing an authentication-only integration. This string should match the value that you will use in the authorization.
authenticationOnly Boolean -x-

If set to true, you will only do the 3D Secure 2 authentication, and not the payment authorisation.

challengeIndicator String -x-

Possibility to specify a preference for receiving a challenge from the issuer.

Allowed values:

  • noPreference
  • requestNoChallenge
  • requestChallenge
deviceChannel String

-white_check_mark-

Use this only for Classic integration. The environment of the shopper.

Allowed values:

  • app
  • browser
deviceRenderOptions Object -x-

Optional and only for deviceChannel app. Display options for the 3DS2 SDK. Display options for the 3DS2 SDK.

  sdkInterface String -x-

Supported SDK interface types. Defaults to both.

Allowed values:

  • Native
  • Html
  • both
  sdkUiType Array -x-

String array of UI types supported for displaying specific challenges. Defaults to all values.

Allowed values:

  • text
  • singleSelect
  • multiSelect
  • outOfBand
  • otherHtml
merchantName String -x- The merchant name that the issuer presents to the shopper if they get a challenge. Required if you enrolled for 3D Secure 2 through a different acquirer or PSP and are performing an authentication-only integration. We recommend to use the same value that you will use in the authorization. Maximum length is 40 characters.

Optional for a full 3D Secure 2 integration. Use this field if you are enrolled with us and want to override the merchant name already configured on your account.

notificationURL String -x- Required for deviceChannel browser or if you built your own implementation with channel web. URL where the Challenge Response value will be sent.

sdkAppID

String -x-

Required for deviceChannel app. The sdkAppID value as received from the 3D Secure 2 SDK.

sdkEncData String -x- Required for deviceChannel app. The sdkEncData value as received from the 3D Secure 2 SDK.

sdkEphemPubKey

Object -x- Required for deviceChannel app. The sdkEphemPubKey value as received from the 3D Secure 2 SDK.
  crv String -x- The crv value as received from the 3D Secure 2 SDK.
  kty String -x- The kty value as received from the 3D Secure 2 SDK.
  x String -x- The x value as received from the 3D Secure 2 SDK.
  y String -x- The y value as received from the 3D Secure 2 SDK.
sdkMaxTimeout Integer -x- Optional and used only for deviceChannel set to app. The maximum amount of time in minutes for the 3D Secure 2 authentication process. Defaults to **60** minutes.
sdkReferenceNumber String -x- Required for deviceChannel set to app. The sdkReferenceNumber value as received from the 3D Secure 2 SDK.
sdkTransID String -x- Required for deviceChannel set to app. The sdkTransID value as received from the 3D Secure 2 SDK.
threeDSCompInd String -x- Completion indicator for the threeDSMethodUrl fingerprinting.
threeDSRequestorID String -x- Unique requestor ID assigned by the Directory Server when you enrol for 3D Secure 2. Required if you enrolled for 3D Secure 2 for Visa through a different acquirer or PSP and are performing an authentication-only integration
threeDSRequestorName String -x- Unique requestor name assigned by the Directory Server when you enrol for 3D Secure 2. Required if you enrolled for 3D Secure 2 for Visa through a different acquirer or PSP and are performing an authentication-only integration
threeDSRequestorURL String -x- URL of the (customer service) website that will be shown to the shopper in case of technical errors during the 3D Secure 2 process.

threeDS2Result

This object is returned in the response when you perform an authentication-only integration.

Field Type Description
authenticationValue String

The value for the 3D Secure 2 authentication session. The returned value is a Base64-encoded 20-byte array.

Example: AQIDBAUGBwgJCgsMDQ4PEBESExQ=

dsTransID String

The unique transaction identifier assigned by the Directory Server to identify a single transaction.

eci String

The Electronic Commerce Indicator returned from the schemes for the 3D Secure 2 payment session.

Example: 02

threeDSServerTransID String

The unique identifier assigned by the 3D Secure 2 Server.

transStatus String

Indicates whether a transaction was authenticated, or whether additional verification is required.

Possible values:

  • Y = Authentication / Account verification successful.
  • N = Not Authenticated / account not verified. Transaction denied.
  • U = Authentication / account verification could not be performed.
  • A = Authentication / verification was attempted but could not be verified.
  • C = Challenge Required. Additional authentication is required using a Challenge.
  • R = Authentication / account verification rejected by the Issuer.
transStatusReason String

Provides information on why the transStatus field has the specified value.

Possible values:

  • 01 = Card authentication failed.
  • 02 = Unknown device.
  • 03 = Unsupported device.
  • 04 = Exceeds authentication frequency limit.
  • 05 = Expired card.
  • 06 = Invalid card number.
  • 07 = Invalid transaction.
  • 08 = No Card record.
  • 09 = Security failure.
  • 10 = Stolen card.
  • 11 = Suspected fraud.
  • 12 = Transaction not permitted to cardholder.
  • 13 = Cardholder not enrolled in service.
  • 14 = Transaction timed out at the ACS.
  • 15 = Low confidence.
  • 16 = Medium confidence.
  • 17 = High confidence.
  • 18 = Very high confidence.
  • 19 = Exceeds ACS maximum challenges.
  • 20 = Non-Payment transaction not supported.
  • 21 = 3RI transaction not supported.