2a: Installment - Customer Initiated Transaction (Mastercard) {#pa-3ri-2a-test-install-cust-initiated-txn-mc}
=============================================================================================================

In this instance, the initial authentication is for the total amount for all of the future installments. Once the initial authentication is completed by the customer, the subsequent installments do not require authentication and go directly to authorization, which is Mastercard's preferred process.

|       **Card Type**        | **Test Card Number** |
|----------------------------|----------------------|
| Mastercard Card Type = 002 | 52XXXX XX XXXX 28X5  |

Endpoint
--------

**Production:** `POST ``https://api.cybersource.com``/risk/v1/authentication-setups`  
**Test:** `POST ``https://apitest.cybersource.com``/risk/v1/authentication-setups`

Required Fields for 3RI 2a: Installment - Customer Initiated Transaction (Mastercard) {#pa-3ri-2a-test-install-cust-initiated-txn-mc-req}
=========================================================================================================================================

Required Fields
---------------

[consumerAuthenticationInformation. challengeCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-challenge-code.md "")
:
Set this field value to `03`.

[consumerAuthenticationInformation. deviceChannel](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-device-channel.md "")
:
Set this field value to `Browser`.

[consumerAuthenticationInformation. messageCategory](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-message-category.md "")
:
Set this field value to `01`.

consumerAuthenticationInformation. installmentTotalCount
:
Set this field value to `02`.

[consumerAuthenticationInformation. strongAuthentication.authenticationIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-strong-auth-auth-indicator.md "")
:
Set this field value to `03`.

[recurringPaymentInformation. endDate](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recurring-payment-info-aa/recurring-payment-info-end-date.md "")
:

[recurringPaymentInformation. frequency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recurring-payment-info-aa/recurring-payment-info-frequency.md "")
:

[recurringPaymentInformation. numberOfPayments](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recurring-payment-info-aa/recurring-payment-info-number-of-payments.md "")
:

[recurringPaymentInformation. originalPurchaseDate](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/recurring-payment-info-aa/recurring-payment-info-original-purchase-date.md "")
:

recurringPaymentInformation. sequenceNumber
:

Related Information
-------------------

* [API field reference guide for the REST API](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/rest-api-fields-intro.md "")

REST Example: Checking Enrollment for a 3RI Customer Initiated Total Installments (Mastercard) {#pa-use-3ri-2a-installment-mc-enroll-rest-ex}
=============================================================================================================================================

Request

```
{
   "orderInformation": {
    "amountDetails": {
      "currency": "eur",
      "totalAmount": "100.00"
    },
    "lineItems": [
      {
        "unitPrice": "120.00"
      }
    ],
    "billTo": {
      "address1": "201 S. Division St.",
      "administrativeArea": "MI",
      "country": "US",
      "locality": "Ann Arbor",
      "firstName": "RTS",
      "lastName": "VDP",
      "email": "test@email.com",
      "postalCode": "48104-2201"
    }
  },
  "paymentInformation": {
    "card": {
      "type": "002",
      "expirationMonth": "12",
      "expirationYear": "2027",
      "number": "52XXXXXXXXXX28X5"
    }
  },
  "deviceInformation": {
    "httpAcceptContent": "all",
    "httpBrowserLanguage": "en",
    "httpBrowserJavaEnabled": "y",
    "httpBrowserColorDepth": 1,
    "httpBrowserScreenHeight": 1,
    "httpBrowserScreenWidth": 1,
    "httpBrowserTimeDifference": 5,
    "userAgentBrowserValue": "chrome"
  },
  "recurringPaymentInformation": {
    "endDate": "20240906",
    "frequency": "31",
    "numberOfPayments": "1",
    "originalPurchaseDate": "2024080511243877",
    "sequenceNumber": "1"
  },
  "consumerAuthenticationInformation": {
    "strongAuthentication": {
      "authenticationIndicator": "03"
    },
    "authenticationDate": "20190829154531",
    "deviceChannel": "Browser",
    "installmentTotalCount": "2",
    "messageCategory": "01",
    "referenceId": "CybsCruiseTester-2551acb2"
  }
}
```

Response to a Successful Request

```
{
    "clientReferenceInformation": {
        "code": "RTS-Auth"
    },
    "consumerAuthenticationInformation": {
        "challengeRequired": "N",
        "authenticationTransactionId": "RTk6DV9Nsv2I1d8BSh40",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "token": "AxjzbwSTiTXaKSxK9bBhABECT34jN2Sb0h04ghLLtaSZV0ekj0yAsAAAxQTL",
        "acsUrl": "https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp",
        "acsReferenceNumber": "Cardinal ACS",
        "pareq": "eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMi4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiIzYzVhMzExMS1lYmVkLTRjNzUtOWQ5YS00M2QyZTEwYzkyYTciLCJhY3NUcmFuc0lEIjoiMTVlNDZmNWItNTcwZS00OWMwLTkyYzYtYmQyMTdiN2MxZTkxIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0",
        "directoryServerTransactionId": "2a9df334-1fa9-4dfe-9b1d-f4a2f14ba003",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "3c5a3111-ebed-4c75-9d9a-43d2e10c92a7",
        "acsOperatorID": "MerchantACS",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "15e46f5b-570e-49c0-92c6-bd217b7c1e91"
    },
    "errorInformation": {
        "reason": "CONSUMER_AUTHENTICATION_REQUIRED",
        "message": "The cardholder is enrolled in Payer Authentication. Please authenticate the cardholder before continuing with the transaction."
    },
    "id": "7253450880266999804001",
    "paymentInformation": {
        "card": {
            "bin": "520000",
            "type": "MASTERCARD"
        }
    },
    "status": "PENDING_AUTHENTICATION",
    "submitTimeUtc": "2024-09-03T06:31:28Z"
}
```

REST Example: Validating the Challenge for a 3RI Customer Initiated Total Installments (Mastercard) {#pa-use-3ri-2a-installment-mc-validate-rest-ex}
====================================================================================================================================================

Request

```
{
    "clientReferenceInformation": {
        "code": "pavalidatecheck",
        "partner": {
            "developerId": "7891234",
            "solutionId": "89012345"
        }
    },
    "consumerAuthenticationInformation": {
        "authenticationTransactionId": "RTk6DV9Nsv2I1d8BSh40"
    }
}
```

{#pa-use-3ri-2a-installment-mc-validate-rest-ex_codeblock_hyn_bbs_vcc}  
Response to a Successful Request

```
{
    "clientReferenceInformation": {
        "code": "pavalidatecheck",
        "partner": {
            "developerId": "7891234",
            "solutionId": "89012345"
        }
    },
    "consumerAuthenticationInformation": {
        "indicator": "spa",
        "eciRaw": "02",
        "authenticationResult": "0",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "authenticationStatusMsg": "Success",
        "token": "AxijLwSTiTXcdJ2PhbzFABFPfiM3dQgCEtDJpJlXR6SPTIAAJRcM",
        "paresStatus": "Y",
        "ucafCollectionIndicator": "2",
        "ucafAuthenticationData": "AAIBBYNoEwAAACcKhAJkdQAAAAA=",
        "directoryServerTransactionId": "2a9df334-1fa9-4dfe-9b1d-f4a2f14ba003",
        "threeDSServerTransactionId": "3c5a3111-ebed-4c75-9d9a-43d2e10c92a7",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "15e46f5b-570e-49c0-92c6-bd217b7c1e91"
    },
    "id": "7253451526166806904005",
    "paymentInformation": {
        "card": {
            "bin": "520000",
            "type": "MASTERCARD"
        }
    },
    "status": "AUTHENTICATION_SUCCESSFUL",
    "submitTimeUtc": "2024-09-03T06:32:32Z"
}
```