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Data-only flow

Implement 3D Secure 2 without sending an authentication request to the issuer.

Data-only is currently only available for Mastercard. Before using the data-only flow, make sure to check the regulations that apply to your country or region. Using the data-only flow in countries where SCA is mandated (for example, within the EEA) can lead to an increased amount of authentication rejections.

In a regular 3D Secure 2 flow, the payment has to be authenticated by the issuer before it can be authorised. In a data-only flow, you send the same 3D Secure 2 data but the schemes directly handle the authentication request. The data-only request goes directly to the scheme, and then the scheme includes their own risk data in the authorisation message before sending it to the issuer.

Using the data-only flow

The data-only flow allows you to use the scheme's 3D Secure-specific risk scoring models, which helps increase your authorisation rates in specific markets, without incurring additional fees.

You can also use the data-only flow when you integrate with Adyen as a standalone 3D Secure 2 provider with an authentication-only implementation.

Since there is no authentication request sent to the issuer in a data-only flow, your shoppers will not be presented with a 3D Secure 2 challenge.

Since no strong customer authentication is applied to a data-only transaction, the chargeback liability stays with you and does not shift to the issuer.

Before you begin

Before you can start accepting 3D Secure 2 authenticated transactions on browsers or in-app, make sure that you:

  1. Sign up for an Adyen test account at https://www.adyen.com/signup
  2. Get your API Key. Save a copy as you'll need it for API calls you make to the Adyen payments platform.
  3. Read and understand the full 3D Secure 2 API integration guide

Submit a data-only payment request

Submit a POST /payments call containing required 3D Secure 2 fields and the following parameter:

  • additionalData.threeDS2DataOnlytrue
We recommend that you provide all available information to increase the likelihood of achieving a frictionless flow and a higher authorisation rate. In addition to the regular parameters you provide to Adyen, send additional parameters in this list.

Request

curl https://checkout-test.adyen.com/v49/payments \
-H "X-API-key: [Your API Key here]" \
-H "Content-Type: application/json" \
-d '{
  "amount":{
    "currency":"EUR",
    "value":1000
  },
  "reference":"YOUR_ORDER_NUMBER",
  "paymentMethod":{
    "type":"scheme",
    "number": "5454545454545454",
    "expiryMonth": "10",
    "expiryYear": "2020",
    "cvc": "737",
    "holderName": "S. Hopper"
  },
  "additionalData" : {
     "allow3DS2" : true,
     "threeDS2DataOnly": true
  },
  "browserInfo":{
    "userAgent":"Mozilla\/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit\/537.36 (KHTML, like Gecko) Chrome\/70.0.3538.110 Safari\/537.36",
    "acceptHeader":"text\/html,application\/xhtml+xml,application\/xml;q=0.9,image\/webp,image\/apng,*\/*;q=0.8",
    "language":"nl-NL",
    "colorDepth":24,
    "screenHeight":723,
    "screenWidth":1536,
    "timeZoneOffset":0,
    "javaEnabled": true
  },
  "channel": "web",
  "origin" : "https://your-company.com/",
  "returnUrl" : "https://your-company.com/checkout/",
  "merchantAccount":"YOUR_MERCHANT_ACCOUNT"
}'

Response

{
"pspReference": "991563647392517G",
"resultCode": "Authorised"
}

You'll receive a response containing:

  • resultCode: You can get any of the following result codes:

    • IdentifyShopper: Perform the corresponding 3D Secure 2 device fingerprinting flow depending on your integration and proceed to submit the device fingerprint result.
    • Authorised : If the transaction is exempted from 3D Secure 2 device fingerprinting, you might get an Authorised result code.

For other possible resultCode values and the actions that you need to take, see Result codes.

Testing the data-only flow

Use the test card below to try the 3D Secure 2 data-only flow.

Card Type Card Number Expiry Date CVC/CVV
Mastercard 5201 2818 2278 3116 10/2020 737