Validating and Authorizing a Transaction {#pa2-use-validate-auth-intro}
=======================================================================

The Validation service can be combined with the Authorization service so that when a customer's authentication is validated, the transaction is automatically submitted for authorization.

Fields Specific to a Visa Secure Transaction
--------------------------------------------

These API fields are required specifically for this use case.

[processingInformation.commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-commerce-ind.md "")
:
Set this field to `vbv` for a successful authentication (EMV `3-D Secure` value of `05`), `vbv_attempted` if authentication was attempted but did not succeed (EMV 3-D Secure value of `06`), or `vbv_failure` if authentication failed (EMV `3-D Secure` value of `07`).

[consumerAuthenticationInformation.cavv](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-cavv-a.md "")
:
This field is required when payer authentication is successful.

Card-Specific Requirements
--------------------------

Some payment cards require information to be collected during a transaction.

[consumerAuthenticationInformation. defaultCard](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-default-card.md "")
:
This field is recommended for Discover ProtectBuy.

[consumerAuthenticationInformation.mcc](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-mcc.md "")
:
This field is required when the card type is Cartes Bancaires.

[consumerAuthenticationInformation. productCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-product-code.md "")
:
This field is required for American Express SafeKey (US) when the product code is `AIR` for an airline purchase.

[merchantInformation. merchantDescriptor.name](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/merch-info-aa/merch-info-merchant-descriptor-name.md "")
:
:
This field is required for Visa Secure travel.

[orderInformation.shipTo.address1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-shipto-address1.md "")
:
This field is required only for American Express SafeKey (US).

[orderInformation.shipTo.address2](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-shipto-address2.md "")
:
This field is required only for American Express SafeKey (US).
{#pa2-use-validate-auth-intro_dl_d1v_trz_rxb}

Country-Specific Requirements
-----------------------------

These fields are required for transactions in specific countries.

[consumerAuthenticationInformation. merchantScore](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-merchant-score.md "")
:
This field is required for transactions processed in France.

[orderinformation.billTo.locality](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-locality.md "")
:
This field is required for transactions in the US and Canada.

[orderInformation.billTo.postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-postal-code.md "")
:
This field is required when the orderInformation.billTo.country field value is `US` or `CA`.

[orderInformation.billTo.administrativeArea](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-admin-area.md "")
:
This field is required for transactions in the US and Canada.
{#pa2-use-validate-auth-intro_dl_gpf_5rz_rxb}

Endpoint
--------

**Production:** `POST ``https://api.cybersource.com``/pts/v2/payments`  
**Test:** `POST ``https://apitest.cybersource.com``/pts/v2/payments`

Required Fields for Processing an Authorization Using Visa Secure {#payments-processing-pa-visa-reqfields}
==========================================================================================================

> 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. For details about relaxed requirements, see [Relaxed Requirements for Address Data and Expiration Date in Payment Transactions](/content/cybsdeveloper2021/amer/en/docs/cybs/en-us/payer-authentication/developer/all/rest/payer-auth/payments-relax-reqs.md "").

[clientReferenceInformation.code](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/client-ref-info-aa/client-ref-info-code.md "")
:

[consumerAuthenticationInformation.cavv](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-cavv-a.md "")
:
This field is required when payer authentication is successful. Otherwise, this field is optional.

[consumerAuthenticationInformation.xid](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-xid.md "")
:

[orderInformation.amountDetails.currency](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-currency.md "")

[orderInformation.amountDetails.totalAmount](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-amount-details-total-amount.md "")
:

[orderInformation.billTo.address1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-address1.md "")
:

[orderInformation.billTo.administrativeArea](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-admin-area.md "")
:

[orderInformation.billTo.country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-country.md "")
:

[orderInformation.billTo.email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-email.md "")
:

[orderInformation.billTo.firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-first-name.md "")
:

[orderInformation.billTo.lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-last-name.md "")
:

[orderInformation.billTo.locality](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-locality.md "")
:

[orderInformation.billTo.postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-postal-code.md "")
:

[paymentInformation.card.expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-mo.md "")
:

[paymentInformation.card.expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-year.md "")
:

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

[paymentInformation.card.type](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-type-a.md "")
:

[processingInformation.commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-commerce-ind.md "")
:
Set this field to one of these values:

    * `vbv`: Successful authentication (EMV `3-D Secure` value of `05`).
    * `vbv_attempted`: Authentication was attempted (EMV `3-D Secure`value of `06`).
    * `vbv_failure`: or `internet`: Authentication failed or was not attempted (EMV `3-D Secure` value of `07`).
    {#payments-processing-pa-visa-reqfields_ul_ztw_km1_jxb}

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: Validating and Authorizing a Transaction {#payments-processing-pa-visa-ex-rest}
=============================================================================================

Request

```
{
    "clientReferenceInformation": {
        "code": "test"
    },
    "processingInformation": {
        "capture": "true",
        "authorizationOptions": {
            "ignoreAvsResult": "true"
        },
        "actionList": [
            "VALIDATE_CONSUMER_AUTHENTICATION"
        ]
    },
    "paymentInformation": {
        "card": {
            "expirationYear": "2031",
            "number": "4XXXXXXXXXXX25X3",
            "securityCode": "123",
            "expirationMonth": "12",
            "type": "001"
        }
    },
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "100.00",
            "currency": "GBP"
        },
        "billTo": {
            "firstName": "John",
            "lastName": "Smith",
            "address1": "201 S. Division St._1",
            "address2": "Suite 500",
            "locality": "Foster City",
            "administrativeArea": "CA",
            "postalCode": "94404",
            "country": "US",
            "email": "accept@email.com",
            "phoneNumber": "6504327113"
        }
    },
    "consumerAuthenticationInformation": {
        "authenticationTransactionId": "2b4eAa4K3H778X34Ciy0"
    }
}
```

Response to a Successful Request

```
{
    "_links": {
        "void": {
            "method": "POST",
            "href": "/pts/v2/payments/7478305945626990404807/voids"
        },
        "self": {
            "method": "GET",
            "href": "/pts/v2/payments/7478305945626990404807"
        }
    },
    "clientReferenceInformation": {
        "code": "test"
    },
    "consumerAuthenticationInformation": {
        "indicator": "vbv",
        "eciRaw": "05",
        "authenticationResult": "0",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "authenticationStatusMsg": "Success",
        "eci": "05",
        "token": "Axj//wSTlWZX08jkcOTHAAIU3YMmzhgzcN2ie/LXsgSgKe/LXsgS50OnEFBWGTSTL0Yua1eAwHScqzK+nkcjhyY4wDi0",
        "cavv": "AAIBBYNoEwAAACcKhAJkdQAAAAA=",
        "paresStatus": "Y",
        "xid": "AAIBBYNoEwAAACcKhAJkdQAAAAA=",
        "directoryServerTransactionId": "fa628ed8-ad77-4723-b28f-91952eaca8fe",
        "threeDSServerTransactionId": "71399671-8456-4c97-b056-e127622a5e26",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "5f9fb589-08cc-4952-866d-30939868f411"
    },
    "id": "7478305945626990404807",
    "orderInformation": {
        "amountDetails": {
            "totalAmount": "100.00",
            "authorizedAmount": "100.00",
            "currency": "GBP"
        }
    },
    "paymentAccountInformation": {
        "card": {
            "brandName": "VISA",
            "type": "001"
        }
    },
    "paymentInformation": {
        "tokenizedCard": {
            "type": "001"
        },
        "card": {
            "bin": "400000",
            "type": "VISA"
        }
    },
    "pointOfSaleInformation": {
        "terminalId": "12345678"
    },
    "processorInformation": {
        "paymentAccountReferenceNumber": "V0010013018036776997406844475",
        "merchantNumber": "12345678",
        "approvalCode": "100",
        "cardVerification": {
            "resultCodeRaw": "3",
            "resultCode": "2"
        },
        "merchantAdvice": {
            "code": "00",
            "codeRaw": "0"
        },
        "networkTransactionId": "123456789012345",
        "transactionId": "123456789012345",
        "responseCode": "0",
        "avs": {
            "code": "U",
            "codeRaw": "00"
        }
    },
    "reconciliationId": "7026803874",
    "status": "AUTHORIZED",
    "submitTimeUtc": "2025-05-21T12:29:54Z"
}
```