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API Reference

Learn about objects and parameters you should use for 3D Secure 2 payment authentication.

To support 3D Secure 2 authentication on your Classic integration, use v40 or later of the following endpoints :

3D Secure 2 additional parameters

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 object in your request. Card schemes require this for deviceChannel browser or app implementations.
browserInfo -x- Required for deviceChannel browser.
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.
recurring -x- Use this object when you want to enable recurring payments, with additional optional fields for 3D Secure 2 transactions.
shopperEmail -x- We strongly recommend that you include this object in your request. Card schemes require this for deviceChannel browser or app implementations. We recommend that you include this object in your request.
shopperIP -x- We strongly recommend that you include the shopper's IP address for deviceChannel browser.
threeDS2RequestData -x- Include this in your request when required. For example, in an authentication-only implementation.

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. Maximum value: 9999
addCardAttemptsDay Integer
-x-
Number of attempts the shopper tried to add a card to their account in the last day. Maximum value: 999
pastTransactionsDay Integer
-x-
Number of transactions from this shopper in the past 24 hours. Maximum value: 999
pastTransactionsYear Integer
-x-
Number of transactions from this shopper in the past year. Maximum value: 999
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 deviceChannel browser or app 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 deviceChannel browser. If you include this object in your request, provide the following fields.

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 in bits per pixel. Use the browser's screen.colorDepth property to obtain the value. Accepted values: 1, 4, 8, 15, 16, 24, 32, or 48 bit.
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.

card

Field Type Required Description
number String -white_check_mark- Cardholder Account Number
expiryMonth String -white_check_mark- Card/Token Expiry Month
expiryYear String -white_check_mark- Card/Token Expiry Year
cvc String -white_check_mark- Card Security Code
holderName String -white_check_mark- Name of the cardholder

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.

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

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, this is the transStatus from the last CRes (Challenge Response) message or in the RRes (Results Request) sent after the shopper completes the challenge. If the transaction was frictionless, set this to Y.
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 1, this is the enrollment response from the VERes message from the directory server.
In 3D Secure 2, this is the transStatus from the ARes (Authentication Response). The possible values are A or Y for a frictionless flow, or C for a challenge flow.
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.

recurring

Field Type Required Description
recurringFrequency String -x- Use this in 3D Secure 2 transactions to specify minimum number of days between authorisations.
recurringExpiry String -x- Use this in 3D Secure 2 transactions to specify a date after which no further authorisations shall be performed.

scaExemption

If you want to request an exemption for a transaction, include this object in the additionalData of your request.

Field Type Required Description
scaExemption String
-x-
Indicates the exemption type that you want to request for the particular transaction. If a value is specified, this will override our exemption logic. Possible values:
  • lowValue
  • secureCorporate
  • trustedBeneficiary
  • transactionRiskAnalysis

shopperEmail

We strongly recommend that you include this object in your request. Card schemes require this for deviceChannel browser or app implementations.

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

shopperIP

We strongly recommend that you include the shopper's IP address for deviceChannel browser.

Field Type Required Description
shopperIP String -x- The shopper's IP 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
  • requestChallengeAsMandate
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.
  sdkInterface String
-x-
Supported SDK interface types. Defaults to native. 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

Send the property below within the threeDS2Result object to submit the results of the challenge flow. Refer to the web, iOS, or Android integration pages for the values that you should use.

Field Type Required Description
transStatus String
-x-

Indicates whether a transaction was authenticated.

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.

additionalData.threeDS2Result

If you perform an authentication-only transaction, the following properties are returned in the additionalData object in an /authorise3ds2 response.

Field Type Description
threeds2.threeDS2Result.authenticationValue String

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

Example: AQIDBAUGBwgJCgsMDQ4PEBESExQ=

threeds2.threeDS2Result.dsTransID String

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

threeds2.threeDS2Result.eci String

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

Example: 02

threeds2.threeDS2Result.threeDSServerTransID String

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

threeds2.threeDS2Result.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.
threeds2.threeDS2Result.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.