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Visa Secure
Visa Secure is the authentication service in the Visa card network that uses the 3-D
Secure protocol to authenticate customers at checkout. This authentication is a two-step
process. First, the cardholder is authenticated by 3-D Secure. Then, the transaction is
authorized based on the 3-D Secure evaluation. This section explains how to authorize a
card payment based on the 3-D Secure evaluation.
Before implementing Visa Secure, contact customer support to have your account configured
for this feature.
Fields Specific to the Visa Secure Use Case
These API fields are required specifically for this use case.
- processingInformation.commerceIndicator
- Set the value tovbvfor a successful authentication (3-D Secure value of05),vbv_attemptedif authentication was attempted but did not succeed (3-D Secure value of06), orvbv_failureif authentication failed (3-D Secure value of07).
- consumerAuthenticationInformation.cavv
- Required when payer authentication is successful.
Endpoint
Production:
POST
https://api.cybersource.com
/pts/v2/paymentsTest:
POST
https://apitest.cybersource.com
/pts/v2/paymentsRelated Information
Required Fields for Processing an Authorization Using Visa Secure
Use these required fields to process an authorization using Visa Secure.
IMPORTANT
When relaxed requirements for address data and the expiration date are being used, not all
fields in this list are required. It is your responsibility to determine whether your
account is enabled to use this feature and which fields are required. Refer to the Payments
guide for more information about relaxed requirements in payment transactions.
Required Fields
- This field is required when payer authentication is successful. Otherwise, this field is optional.
- Set this field to one of these values:
- vbv: Successful authentication (EMV3-D Securevalue of05).
- vbv_attempted: Authentication was attempted (EMV3-D Securevalue of06).
- vbv_failure: orinternet: Authentication failed or was not attempted (EMV3-D Securevalue of07).
Related Information
REST Example: Validating and Authorizing a Transaction
Request
{ "clientReferenceInformation": { "code": "TC50171_3" }, "processingInformation": { "actionList": ["VALIDATE_CONSUMER_AUTHENTICATION"] }, "paymentInformation": { "card": { "number": "4000000000001091", "expirationMonth": "01", "expirationYear": "2030" } }, "orderInformation": { "billTo": { "firstName": "John", "lastName": "Smith", "address1": "201 S. Division St._1", "address2": "Suite 500", "locality": "Foster City", "administrativeArea": "CA", "postalCode": "94404", "country": "US", "email": "[email protected]", "phoneNumber": "6504327113" } }, "consumerAuthenticationInformation": { "authenticationTransactionId": "OiCtXA1j1AxtSNDh5lt1", "authenticationBrand": "VISA" } }
Response to a Successful Request
{ "_links": { "authReversal": { "method": "POST", "href": "/pts/v2/payments/6758954108726900304951/reversals" }, "self": { "method": "GET", "href": "/pts/v2/payments/6758954108726900304951" }, "capture": { "method": "POST", "href": "/pts/v2/payments/6758954108726900304951/captures" } }, "clientReferenceInformation": { "code": "TC50171_3" }, "id": "6758954108726900304951", "orderInformation": { "amountDetails": { "authorizedAmount": "100.00", "currency": "USD" } }, "paymentAccountInformation": { "card": { "type": "001" } }, "paymentInformation": { "tokenizedCard": { "type": "001" }, "card": { "type": "001" } }, "pointOfSaleInformation": { "terminalId": "111111" }, "processorInformation": { "approvalCode": "888888", "networkTransactionId": "123456789619999", "transactionId": "123456789619999", "responseCode": "100", "avs": { "code": "X", "codeRaw": "I1" } }, "reconciliationId": "711764833DU1FCQD", "status": "AUTHORIZED", "submitTimeUtc": "2023-02-08T22:30:11Z" }