Transaction Details in Business Center

This section describes how to find the details of Payer Authentication transactions in the . For details about past transactions, from the left navigation pane, go to Transaction Management > Transactions. This detailed data about a past transaction is stored for 12 months.

Searching for Transactions

You can search for transactions that used the payer authentication and card authorization services by going to Transaction Management > Transactions. When searching for transactions, consider these points:

Search options:

• To find the details of a transaction, on the Transactions page enter its PA Transaction ID into the Quick Search field.
• On the Transactions page, you can also create a payer authentication transaction ID filter by clicking Add filter and selecting PA Transaction ID as the filter. You can then enter the transaction ID as the filter criteria.
• The list of applications is simplified to facilitate searching for the relevant service requests.

Search results: The results options include the Payer Authentication transaction ID and the customer's account number (PAN). Use the Payer Authentication transaction ID to find all parts of the transaction.

Storing Payer Authentication Data

Payment card companies permit only a certain number of days between the payer authentication and the authorization request. If you settle transactions that are older than the predetermined number of days, payment card companies might require that you send them the AAV, CAVV, or the XID when a chargeback occurs. The requirements depend on the payment card company.

The authentication transaction ID is listed in the transaction log. To access the section, click the View button. After your transactions are settled, you can also use this data to update the statistics of your business.

Searching for Payer Authentication Details

Search the payer authentication data returned in API response fields with the Transaction Search feature in the .

Interpret the result of an enrollment check using this color coding:

• If the application result shows a green indicator, you do not need to authenticate the user. You can authorize the card immediately.
• If the application result shows a red indicator, the authentication failed.
• If the application result shows a yellow indicator, the transaction requires authentication.

Enrolling a Card

Enrolling a card consists of two steps:

1. Checking for enrollment.
2. Authenticating the customer.

Checking Enrollment

You can find payer authentication data on the Transaction Details page. When the card is enrolled, you receive the corresponding response. If the card authorization service was requested at the same time, it did not run and appears in black.

American Express SafeKey requires that you save the XID for later use. You do not receive an ECI, AAV, or CAVV because the authentication is not complete.

If the CAVV and ECI are not provided, and the enrollment transaction results in a challenge, authentication is required.

Authentication Validation

When an authentication is valid and the card authorization succeeds, payer authentication data appears in the Transaction Search Details window. Reason code 100 was returned with the corresponding response. The necessary payer authentication data was processed successfully. Both services are shown in green.

You might not receive an ECI value when a system error prevents the card issuer from performing the validation or when the cardholder does not complete the process.

Card Not Enrolled

When a card is not enrolled, the result of the enrollment check service appears in green, and the card authorization request (if requested at the same time) proceeds normally.

Transaction Details for a Card Not Enrolled

Enter the payer authentication transaction ID into the quick search feature to find all segments of a transaction. For a transaction in which the card is not enrolled, find payer authentication data in the Transaction Details window:

• For Mastercard, the ECI value is 00: authentication is not required because the customer's Mastercard card is not enrolled. Other cards have an ECI value of 07.
• The AAV/CAVV area is empty because you receive a value only when the customer is authenticated.
• The XID area is empty because the card is not enrolled.

You might encounter these reason codes: