Endpoints: Payer Authentication

Server URLs

Use the base URL for your environment as the URL prefix.

Environment	Base URL
Production	`api.merchant-services.bankofamerica.com`
Test	`apitest.merchant-services.bankofamerica.com`

Environment	Base URL
Production	`api.smartpayfuse.barclaycard`
Test	`api.smartpayfuse-test.barclaycard`

Environment	Base URL
Production	`api.gw.cliq.com`
Test	`api.gw.cas.cliq.com`

Environment	Base URL
Production	`nabgateway-developer.nab.com.au`
Test	`nabgateway-developer.nab.com.au`

Environment	Base URL
Production	`api.visaacceptance.com`
Test	`apitest.visaacceptance.com`

Create a payer authentication setup request to obtain the JWT and the device data collection URL needed to begin the enrollment check flow.

Method	Path	Description		Reference
`POST`	`/risk/v1/authentication-setups`	Create a payer authentication setup		Authentication Setup

Check whether a card is enrolled in a 3-D Secure program and initiate the authentication flow.

Method	Path	Description		Reference
`POST`	`/risk/v1/authentications`	Use when verifying that a card is enrolled in a card authentication program or requesting authentication from the issuer.		Enrollment Check

Validate the authentication response after the cardholder completes the step-up authentication challenge.

Method	Path	Description		Reference
`POST`	`/risk/v1/authentication-results`	Use when retrieving and validating authentication results from the issuer so that the merchant can process the payment.		Validation

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Last published: September 29, 2026