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3D Secure and digital wallets

Send authentication data to support 3D Secure and digital wallets.

Some scenarios require authenticating the card user before a transaction can proceed, including:

To support these scenarios, you must include the card user's authentication data when issuing cards.

Adding cards to digital wallets

If you want to allow your card users to add their cards to a wallet, their mobile phone number must be linked to their card. You can add their mobile phone number when you create or update their card. When they add the card to a wallet, Adyen sends a one-time password to their phone number. Once validated, their card is successfully added to their wallet.

For a list of supported wallets, reach out to your Adyen contact.

Making online payments within the EEA or the UK

In the European Economic Area (EEA) and the UK, the Revised Payment Services Directive 2 (PSD2) regulations require card issuers to do strong customer authentication (SCA) for online payments. If an online payment is in the scope of PSD2 but the card user was not authenticated, Adyen is required to refuse the payment.

Check if the following are true:

  1. You are issuing cards within the EEA or the UK.
  2. The cards that you issue can be used for online payments within the EEA or the UK.

If all the statements are true, you must add the card user's mobile phone number and a password when issuing cards. Adyen enrolls the cards along with the phone number and password to 3D Secure, an authentication protocol developed by EMVCo and supported by major card schemes. Once their card is enrolled in 3D Secure, the card user is prompted to provide their password and the one-time password sent to their phone number when they make an online payment.

Some payments are exempt from PSD2 SCA, such as secure corporate payments using virtual cards. Reach out to your Adyen contact to check if this exemption applies to your use case.

Send authentication data

If you support one of the scenarios above, you must include the card user's authentication data when creating or updating their card. Select your use case below.

When creating or updating the card, include the authentication object containing:

  • A password.
  • A phone object that includes the number and type set to mobile.

Adyen enrolls the card with the phone number and password in 3D Secure.

If a physical card issued within the EEA and the UK has no authentication data, it cannot be used for online payments. You must include authentication data to enable online transactions.

Here is an example of how you can create a card with authentication data to support 3D Secure authentication.

Create a card with authentication data for 3D Secure
curl https://balanceplatform-api-test.adyen.com/bcl/v1/paymentInstruments \
-u "ws@BalancePlatform.YOUR_BALANCE_PLATFORM":"YOUR_WS_PASSWORD" \
-H "content-type: application/json" \
-d '{
  "type": "card",
  "issuingCountryCode": "NL",
  "balanceAccountId": "BA3227C223222B5CTBLR8BWJB",
  "status": "Inactive",
  "card": {
    "formFactor": "physical",
    "brand": "mc",
    "brandVariant": "mcdebit",
    "cardholderName": "Sam Hopper",
    "authentication": {
       "password": "CARDUSERPASSWORD$1",
       "phone":
         {
            "number": "31611223344",
            "type": "Mobile"
         }
    },
    "deliveryContact": {
      "address": {
        "city": "Amsterdam",
        "country": "NL",
        "stateOrProvince": "NH",
        "street": "274 Brannan Street, Suite 600",
        "houseNumberOrName": "50",
        "postalCode": "1020CD"
      },
      "name": {
        "firstName": "Sam",
        "lastName": "Hopper"
      }
    },
    "configuration": {
      "configurationProfileId": "YOUR_CONFIGURATION_PROFILE_ID"
    }
  },
  "description": "YOUR_DESCRIPTION"
}'

You can also add the authentication object at a later time or change the card user's phone number and password by sending a PATCH /paymentInstruments/{id} request to update the card.

Add or change authentication data of existing card
curl --request PATCH https://balanceplatform-api-test.adyen.com/bcl/v1/paymentInstruments/{id} \
-u "ws@BalancePlatform.YOUR_BALANCE_PLATFORM":"YOUR_WS_PASSWORD" \
-H "content-type: application/json" \
-d '{
  "card": {
    "authentication": {
       "password": "CARDUSERPASSWORD$1",
       "phone":
         {
            "number": "31611223344",
            "type": "Mobile"
         }
    }
  }
}'

When creating or updating the card, include the authentication object containing a phone object that includes the number and type set to mobile.

Here is an example of how you can create a card with authentication data for wallets.

Create a card with authentication data for wallet activation
curl https://balanceplatform-api-test.adyen.com/bcl/v1/paymentInstruments \
-u "ws@BalancePlatform.YOUR_BALANCE_PLATFORM":"YOUR_WS_PASSWORD" \
-H "content-type: application/json" \
-d '{
  "type": "card",
  "issuingCountryCode": "NL",
  "balanceAccountId": "BA3227C223222B5CTBLR8BWJB",
  "status": "Inactive",
  "card": {
    "formFactor": "physical",
    "brand": "mc",
    "brandVariant": "mcdebit",
    "cardholderName": "Sam Hopper",
    "authentication": {
       "phone":
         {
            "number": "31611223344",
            "type": "Mobile"
         }
    },
    "deliveryContact": {
      "address": {
        "city": "Amsterdam",
        "country": "NL",
        "stateOrProvince": "NH",
        "street": "274 Brannan Street, Suite 600",
        "houseNumberOrName": "50",
        "postalCode": "1020CD"
      },
      "name": {
        "firstName": "Sam",
        "lastName": "Hopper"
      }
    },
    "configuration": {
      "configurationProfileId": "YOUR_CONFIGURATION_PROFILE_ID"
    }
  },
  "description": "YOUR_DESCRIPTION"
}'

You can also add the authentication object at a later time or change the card user's phone number by sending a PATCH /paymentInstruments/{id} request to update the card.

Add or change authentication data of existing card
curl --request PATCH https://balanceplatform-api-test.adyen.com/bcl/v1/paymentInstruments/{id} \
-u "ws@BalancePlatform.YOUR_BALANCE_PLATFORM":"YOUR_WS_PASSWORD" \
-H "content-type: application/json" \
-d '{
  "card": {
    "authentication": {
       "phone":
         {
            "number": "31611223344",
            "type": "Mobile"
         }
    }
  }
}'

Next steps

Before your users can start making purchases with the newly issued card, you will have to choose how to fund the accounts, process payments, and manage the card lifecycle.