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Authorisation-only integration

Authorise a payment with 3D Secure authenticated data.

Learn how to submit a payment authorisation with Adyen, using authentication data from a third-party 3D Secure provider.

This page describes passing authentication data in a /payments API request. If you are using the /authorise endpoint, refer to 3D Secure Classic integration.

Before you begin

Before you begin to integrate, make sure you have followed the Get started with Adyen guide to:

  • Get an overview of the steps needed to accept live payments.
  • Create your test account.

After you have created your test account:

  1. Get your API Key. Save a copy as you'll need it for API calls you make to the Adyen payments platform.
  2. Check that you are using v46 or later of the /payments endpoint.

Get authentication data

If you didn't authenticate with Adyen, refer to Mapping Adyen parameters to EMVCo ones.

To authorise a 3D Secure 1 authenticated payment, you need the following data:

To authorise a 3D Secure 2 authenticated payment, you need the following data:

Some issuers don't provide all fields; the Applies to column shows which fields you need from which issuers.

Field Applies to
authenticationResponse All issuers
directoryResponse All issuers
authenticationValue All issuers
dsTransID All issuers
eci All issuers
threeDSVersion All issuers
cavv All issuers
cavvAlgorithm Cartes Bancaires
challengeCancel Cartes Bancaires
challengeIndicator Cartes Bancaires
exemptionIndicator Cartes Bancaires
riskScore Cartes Bancaires

Send a payment authorisation request with 3D Secure authentication data

 Make a POST /payments request and include the following:

Some issuers require different fields. The Applies to column shows which issuers require each field.

Field Applies to
paymentMethod.type All issuers.
Learn more for co-branded cards.
mpiData.authenticationResponse All issuers
mpiData.directoryResponse All issuers
mpiData.cavv All issuers
mpiData.dsTransID All issuers
mpiData.eci All issuers
mpiData.threeDSVersion All issuers
threeDS2RequestData.challengeIndicator Cartes Bancaires
mpiData.cavvAlgorithm Cartes Bancaires
mpiData.challengeCancel Cartes Bancaires
mpiData.riskScore Cartes Bancaires
additionalData.acquirerCode Cartes Bancaires.
Set to "AdyenCartesBancaires".
additionalData.scaExemption Cartes Bancaires

Co-branded cards

If you are authorising for a co-branded card, you need to set the paymentMethod.type value to the scheme that authenticated the payment. For example, if you are authorising for a card co-branded with Visa and Cartes Bancaires, set the value to either visa or cartebancaire, depending on which scheme performed the authentication. Otherwise, the authorisation can be refused.

Sample request

/payments request
curl https://checkout-test.adyen.com/v68/payments/ \
-H "x-API-key: YOUR_X-API-KEY" \
-H "content-type: application/json" \
-d '{
     "amount":{
        "currency":"EUR",
        "value":1000
     },
     "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
     "reference":"YOUR_ORDER_NUMBER",
     "channel" : "Web",
     "mpiData":{
        "cavv":"3q2+78r+ur7erb7vyv66vv\/\/\/\/8=",
        "cavvAlgorithm":"1",
        "eci":"05",
        "xid":"ODUzNTYzOTcwODU5NzY3Qw==",
        "directoryResponse":"Y",
        "authenticationResponse":"Y",
     },
     "paymentMethod": {
        "type": "visa",
        "number": "4917610000000000",
        "expiryMonth": "10",
        "expiryYear": "2020",
        "holderName": "John Smith",
        "cvc": "737"
     }
}'
/payments request
curl https://checkout-test.adyen.com/v68/payments/ \
-H "x-API-key: YOUR_X-API-KEY" \
-H "content-type: application/json" \
-d '{
     "amount":{
        "currency":"EUR",
        "value":1000
     },
     "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
     "reference":"YOUR_ORDER_NUMBER",
     "channel" : "Web",
     "mpiData":{
         "cavv":"3q2+78r+ur7erb7vyv66vv\/\/\/\/8=",
         "eci":"05",
         "dsTransID":"c4e59ceb-a382-4d6a-bc87-385d591fa09d",
         "directoryResponse":"C",
         "authenticationResponse":"Y",
         "threeDSVersion":"2.1.0",
         "{hint:Only applies to Cartes Bancaires.}cavvAlgorithm{/hint}":"ABC",
         "{hint:Only required for Cartes Bancaires.}riskScore{/hint}": "95"
     },
     "paymentMethod": {
         "type": "visa",
         "number": "4917610000000000",
         "expiryMonth": "10",
         "expiryYear": "2020",
         "holderName": "John Smith",
         "cvc": "737"
     },
     "{hint:Only required for Cartes Bancaires.}threeDS2RequestData{/hint}": {
        "challengeIndicator": "requestChallenge",
     },
     "{hint:Only required for Cartes Bancaires.}additionalData{/hint}": {
        "scaExemption": "lowValue",
        "acquirerCode": "AdyenCartesBancaires"
     }
}

Sample response

You will receive an  Authorised resultCode if the payment authorisation was successful. Otherwise,  see  Result codes for a complete list of  values and the actions that you need to take.

/payments response
{
    ...
    "pspReference": "8535505811653878",
    "resultCode": "Authorised",
}

See also