3RI (3-Domain Secure Requestor Initiated) Use Cases
A 3RI transaction is an EMV 3-D Secure transaction that is initiated by the merchant instead of the cardholder. The merchant keeps the payment data from the initial payment so that the cardholder does not have to be present for subsequent 3RI transactions. Having the payment details from a previous transaction enables the merchant to obtain a new Cardholder Authentication Verification Value (CAVV) to authenticate when authorizing future payments.
The authorization request contains the consumerAuthenticationInformation.deviceChannel field. This process can be applied to these types of transactions:
- Recurring payments: payments occur at regular intervals for an indefinite interval like subscription services.
- Installment payments: payments occur at regular intervals for a fixed interval.
- Refunded purchases: the cost of an item is refunded before the item is received. Any charges for damage or missing items can be charged back to the customer using a 3RI transaction.
- Delayed shipments: an ordered item is out of stock delaying the shipment until the item is back in stock.
- Split payments: an order is fulfilled in split shipments rather than in a single shipment because one of multiple items in the order is temporarily out of stock.
- Multiple party commerce: a single entity or party makes multiple transactions with different merchants, for example, a travel agent booking flights, hotels, and tour excursions.
- Unknown final transaction amount: extra charges are made to the customer for items such as hotel services, driving citations, or tips.
Challenge Responses to 3RI Transactions
The directory server prohibits any challenge response from an issuer in 3RI transactions because the cardholder is not present for authentication. If an issuer does respond with a challenge, the directory server:
- Returns an ARes with a Transaction Status (
transStatus) =Nand a Transaction Status Reason (transStatusReason) =87(Transaction is excluded from Attempts Processing) to the 3-D Secure Server (merchant). - Sends an error message (Erro) to the Access Control Server (ACS), with Error Code (
errorCode) =203(Format of one or more data elements is invalid according to the specification.)
When you receive this response, find an alternate way of processing the transaction. Examples include going directly to authorization, or when the cardholder is present, resending the transaction. When you receive this response, contact your acquirer to raise the issue with customer support.
For Merchant Initiated Transactions which are expected to be frictionless, device details are not required in the MIT authentication transaction.
Network-Specific Values for Multi-Party Commerce/OTA
When the request body requires a previous authentication reference ID (consumerAuthenticationInformation.priorAuthenticationReferenceId), use the network-specific value found in one of these fields in the original response:
- Visa:
consumerAuthenticationInformation.acsTransactionId - Mastercard:
consumerAuthenticationInformation.directoryServerTransactionId
When the request body requires a value from the consumerAuthenticationInformation.requestorInitiatedAuthenticationIndicator field and the 3RI transaction type is multi-party commerce, use one of these network-specific values:
- Visa:
11(Other payment) - Mastercard:
85(Agent payment)
Note that Mastercard uses the Electronic Commerce Indicator (ECI) value of 07 for 3RI transactions.
1a: Initial Recurring Transaction
In this instance, the merchant initiates a 3RI recurring transaction that is a fixed amount for a set of transactions with no established expiration, such as with a subscription purchase.
| Card Type | Test Card Number |
|---|---|
| Mastercard (Card Type = 002) | 52XXXX XX XXXX 28X5 |
POST /risk/v1/authentication-setups
Example: 3RI 1a Check Enrollment
{ "orderInformation": { "amountDetails": { "currency": "eur", "totalAmount": "100.00" }, "billTo": { "address1": "201 S. Division St.", "administrativeArea": "MI", "country": "US", "locality": "Ann Arbor", "firstName": "RTS", "lastName": "VDP", "email": "[email protected]", "postalCode": "48104-2201" } }, "paymentInformation": { "card": { "type": "002", "expirationMonth": "12", "expirationYear": "2027", "number": "<test-visa-pan>" } }, "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": "02" }, "challengeCode": "03", "deviceChannel": "Browser", "messageCategory": "01", "referenceId": "CybsCruiseTester-ddb08174" }}{ "clientReferenceInformation": { "code": "RTS-Auth" }, "consumerAuthenticationInformation": { "challengeRequired": "N", "authenticationTransactionId": "ZtO0mD5q7PmRUG4v2NZ0", "strongAuthentication": { "OutageExemptionIndicator": "0" }, "token": "AxjzbwSTiS4ZKSmMkFZDABECT34jGC2P0h04ghLLtaSZV0ekj0yAsAAAUgae", "acsUrl": "https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp", "acsReferenceNumber": "Cardinal ACS", "pareq": "eyJtZXNzYWdlVHlwZSI6IkNSZXEi...", "directoryServerTransactionId": "bf67e7e6-c8cf-4b93-a211-3f4f60b07524", "veresEnrolled": "Y", "threeDSServerTransactionId": "b2471dfa-3aad-479d-8b13-b86c5143979c", "acsOperatorID": "MerchantACS", "specificationVersion": "2.2.0", "acsTransactionId": "c925d73c-0cb0-4b3a-b3fa-2c4ca402d8b6" }, "errorInformation": { "reason": "CONSUMER_AUTHENTICATION_REQUIRED", "message": "The cardholder is enrolled in Payer Authentication. Please authenticate the cardholder before continuing with the transaction." }, "id": "7252892152426444904003", "paymentInformation": { "card": { "bin": "520000", "type": "MASTERCARD" } }, "status": "PENDING_AUTHENTICATION", "submitTimeUtc": "2024-09-02T15:00:15Z"}Example: 3RI 1a Validate Challenge
{ "clientReferenceInformation": { "code": "pavalidatecheck", "partner": { "developerId": "7891234", "solutionId": "89012345" } }, "paymentInformation": { "card": { "type": "002" } }, "consumerAuthenticationInformation": { "authenticationTransactionId": "ZtO0mD5q7PmRUG4v2NZ0" }}{ "clientReferenceInformation": { "code": "pavalidatecheck", "partner": { "developerId": "7891234", "solutionId": "89012345" } }, "consumerAuthenticationInformation": { "indicator": "spa", "eciRaw": "07", "authenticationResult": "0", "strongAuthentication": { "OutageExemptionIndicator": "0" }, "authenticationStatusMsg": "Success", "eci": "07", "token": "AxijLwSTiS5mZJ9Q0OxhABFPfiMZU1QCEtDJpJlXR6SPTIAA9Rdp", "cavv": "AAIBBYNoEwAAACcKhAJkdQAAAAA=", "paresStatus": "Y", "xid": "AAIBBYNoEwAAACcKhAJkdQAAAAA=", "directoryServerTransactionId": "bf67e7e6-c8cf-4b93-a211-3f4f60b07524", "threeDSServerTransactionId": "b2471dfa-3aad-479d-8b13-b86c5143979c", "specificationVersion": "2.2.0", "acsTransactionId": "c925d73c-0cb0-4b3a-b3fa-2c4ca402d8b6" }, "id": "7252913891376641404001", "paymentInformation": { "card": { "bin": "520000", "type": "MASTERCARD" } }, "status": "AUTHENTICATION_SUCCESSFUL", "submitTimeUtc": "2024-09-02T15:36:29Z"}Required Fields for 3RI 1a
| Field | Value |
|---|---|
consumerAuthenticationInformation.challengeCode | Set to 03. |
consumerAuthenticationInformation.deviceChannel | Set to Browser. |
consumerAuthenticationInformation.messageCategory | Set to 01. |
consumerAuthenticationInformation.strongAuthentication.authenticationIndicator | Set to 02. |
recurringPaymentInformation.endDate | |
recurringPaymentInformation.frequency | |
recurringPaymentInformation.numberOfPayments | |
recurringPaymentInformation.originalPurchaseDate | |
recurringPaymentInformation.sequenceNumber |
1b: Recurring Payments: Subsequent Transaction (Mastercard)
In this instance, the merchant is running a subsequent 3RI recurring transaction that is a fixed amount for a set of payments with no established expiration such as a subscription purchase.
| Card Type | Test Card Number |
|---|---|
| Mastercard (Card Type = 002) | 52XXXX XX XXXX 2235 |
POST /risk/v1/authentication-setups
Example: 3RI 1b Subsequent Recurring Validate
{ "consumerAuthenticationInformation": { "strongAuthentication": { "authenticationIndicator": "02" }, "authenticationDate": "20190829154531", "deviceChannel": "3RI", "messageCategory": "01", "priorAuthenticationData": "bf67e7e6-c8cf-4b93-a211-3f4f60b07524", "requestorInitiatedAuthenticationIndicator": "01", "referenceId": "CybsCruiseTester-ddb08174" }, "clientReferenceInformation": { "sequenceNumber": "1" }}{ "clientReferenceInformation": { "code": "RTS-Auth" }, "consumerAuthenticationInformation": { "eciRaw": "02", "authenticationTransactionId": "cE217c8rl01I71fwGU30", "strongAuthentication": { "OutageExemptionIndicator": "0" }, "token": "AxjzbwSTiS6VNMwh1gIkABECT34jGdA30h04ghLQyaSZV0ekj0yAmAAAzwTj", "paresStatus": "Y", "acsReferenceNumber": "Cardinal ACS", "ucafCollectionIndicator": "2", "ucafAuthenticationData": "AJkBBkhgQQAAAE4gSEJydQAAAAA=", "directoryServerTransactionId": "5791e23c-c10a-4dae-b2c9-4abc766fce2c", "veresEnrolled": "Y", "threeDSServerTransactionId": "db112903-7d0e-4ad8-9cb8-31a0e634a24b", "acsOperatorID": "MerchantACS", "ecommerceIndicator": "spa", "specificationVersion": "2.2.0", "acsTransactionId": "f8a69dc8-2869-491b-b562-0fc7361333f0" }, "id": "7252927068116474004004", "paymentInformation": { "card": { "bin": "520000", "type": "MASTERCARD" } }, "status": "AUTHENTICATION_SUCCESSFUL", "submitTimeUtc": "2024-09-02T15:58:27Z"}Required Fields for 3RI 1b
| Field | Value |
|---|---|
consumerAuthenticationInformation.deviceChannel | Set to 3RI. |
consumerAuthenticationInformation.messageCategory | Set to 01. |
consumerAuthenticationInformation.strongAuthentication.authenticationIndicator | Set to 02. |
recurringPaymentInformation.endDate | |
recurringPaymentInformation.frequency | |
recurringPaymentInformation.numberOfPayments | |
recurringPaymentInformation.originalPurchaseDate | |
recurringPaymentInformation.sequenceNumber |
2a: Installment: Customer Initiated Transaction (Mastercard)
In this instance, the initial authentication is for the total amount for all of the future installments. After the customer completes the initial authentication, 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 |
POST /risk/v1/authentications
Example: 3RI 2a Installment Enrollment
{ "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": "[email protected]", "postalCode": "48104-2201" } }, "paymentInformation": { "card": { "type": "002", "expirationMonth": "12", "expirationYear": "2027", "number": "<test-visa-pan>" } }, "deviceInformation": { "httpAcceptContent": "all", "httpBrowserLanguage": "en", "httpBrowserJavaEnabled": "y", "httpBrowserColorDepth": 1, "httpBrowserScreenHeight": 1, "httpBrowserScreenWidth": 1, "httpBrowserTimeDifference": 5, "userAgentBrowserValue": "chrome" }, "consumerAuthenticationInformation": { "strongAuthentication": { "authenticationIndicator": "02" }, "challengeCode": "03", "deviceChannel": "Browser", "messageCategory": "01", "referenceId": "CybsCruiseTester-ddb08174" }}{ "consumerAuthenticationInformation": { "challengeRequired": "N", "authenticationTransactionId": "RTk6DV9Nsv2I1d8BSh40", "strongAuthentication": { "OutageExemptionIndicator": "0" }, "token": "AxjzbwSTiTXaKSxK9bBhABECT34jN2Sb0h04ghLLtaSZV0ekj0yAsAAAxQTL", "acsUrl": "https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp", "acsReferenceNumber": "Cardinal ACS", "pareq": "eyJtZXNzYWdlVHlwZSI6IkNSZXEi...", "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"}Example: 3RI 2a Installment Validate
{ "clientReferenceInformation": { "code": "pavalidatecheck", "partner": { "developerId": "7891234", "solutionId": "89012345" } }, "consumerAuthenticationInformation": { "authenticationTransactionId": "RTk6DV9Nsv2I1d8BSh40" }}{ "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": "2024-09-03T06:45:26Z"}Required Fields for 3RI 2a
| Field | Value |
|---|---|
consumerAuthenticationInformation.challengeCode | Set to 03. |
consumerAuthenticationInformation.deviceChannel | Set to Browser. |
consumerAuthenticationInformation.messageCategory | Set to 01. |
consumerAuthenticationInformation.strongAuthentication.authenticationIndicator | Set to 02. |
recurringPaymentInformation.endDate | |
recurringPaymentInformation.frequency | |
recurringPaymentInformation.numberOfPayments | |
recurringPaymentInformation.originalPurchaseDate | |
recurringPaymentInformation.sequenceNumber |
3a: Split/Partial Shipment (Mastercard)
In this instance, the purchase includes multiple items that do not become available for shipment at the same time. A 3RI authentication is used for each subsequent partial shipment.
| Card Type | Test Card Number |
|---|---|
| Mastercard (Card Type = 002) | 52XXXX XX XXXX 2235 |
POST /risk/v1/authentications
Example: 3RI 3a Split Shipment Enrollment (Mastercard)
{ "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": "[email protected]", "postalCode": "48104-2201" } }, "paymentInformation": { "card": { "type": "002", "expirationMonth": "12", "expirationYear": "2027", "number": "52XXXXXXXXXX2235" } }, "deviceInformation": { "httpAcceptContent": "all", "httpBrowserLanguage": "en", "httpBrowserJavaEnabled": "y", "httpBrowserColorDepth": 1, "httpBrowserScreenHeight": 1, "httpBrowserScreenWidth": 1, "httpBrowserTimeDifference": 5, "userAgentBrowserValue": "chrome" }, "consumerAuthenticationInformation": { "strongAuthentication": { "authenticationIndicator": "02" }, "challengeCode": "03", "deviceChannel": "3RI", "messageCategory": "01", "requestorInitiatedAuthenticationIndicator": "06" }}{ "consumerAuthenticationInformation": { "eciRaw": "02", "authenticationTransactionId": "dgHSe0WYJbcT51D8pTQ0", "strongAuthentication": { "OutageExemptionIndicator": "0" }, "token": "AxjzbwSTiS7CLi6JgeyFABECT34jGkKb0h04ghLQyaSZV0ekj0yAmAAAzwTl", "paresStatus": "Y", "acsReferenceNumber": "Cardinal ACS", "ucafCollectionIndicator": "2", "ucafAuthenticationData": "AJkBBkhgQQAAAE4gSEJydQAAAAA=", "directoryServerTransactionId": "1740697e-f8bd-4fde-8a12-c95e398c2409", "veresEnrolled": "Y", "threeDSServerTransactionId": "c9c607a1-a130-4226-8a22-376e1183a5ae", "acsOperatorID": "MerchantACS", "ecommerceIndicator": "spa", "specificationVersion": "2.2.0", "acsTransactionId": "74fd3b64-5abb-4ac2-b090-1fba79996123" }, "id": "7252939727216490704005", "paymentInformation": { "card": { "bin": "520000", "type": "MASTERCARD" } }, "status": "AUTHENTICATION_SUCCESSFUL", "submitTimeUtc": "2024-09-02T16:19:32Z"}Required Fields for 3RI 3a
| Field | Value |
|---|---|
consumerAuthenticationInformation.challengeCode | Set to 03. |
consumerAuthenticationInformation.deviceChannel | Set to 3RI. |
consumerAuthenticationInformation.messageCategory | Set to 01. |
consumerAuthenticationInformation.strongAuthentication.authenticationIndicator | Set to 02. |
consumerAuthenticationInformation.requestorInitiatedAuthenticationIndicator | Set to 06. |
3b: Split/Delayed Shipment (Visa)
In this instance, the purchase includes multiple items that do not become available for shipment at the same time. A 3RI authentication is used for each subsequent delayed shipment.
| Card Type | Test Card Number |
|---|---|
| Mastercard (Card Type = 002) | 52XXXX XX XXXX 2235 |
POST /risk/v1/authentications
Example: 3RI 3b Split Shipment Enrollment (Visa)
{ "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": "[email protected]", "postalCode": "48104-2201" } }, "paymentInformation": { "card": { "type": "001", "expirationMonth": "12", "expirationYear": "2027", "number": "52XXXXXXXXXX2235" } }, "deviceInformation": { "httpAcceptContent": "all", "httpBrowserLanguage": "en", "httpBrowserJavaEnabled": "y", "httpBrowserColorDepth": 1, "httpBrowserScreenHeight": 1, "httpBrowserScreenWidth": 1, "httpBrowserTimeDifference": 5, "userAgentBrowserValue": "chrome" }, "consumerAuthenticationInformation": { "strongAuthentication": { "authenticationIndicator": "02" }, "deviceChannel": "3RI", "messageCategory": "01", "requestorInitiatedAuthenticationIndicator": "06" }}{ "consumerAuthenticationInformation": { "eciRaw": "05", "authenticationTransactionId": "kvaz0784ZnNyUBg9U8t0", "strongAuthentication": { "OutageExemptionIndicator": "0" }, "eci": "05", "token": "AxjzbwSTiS7a+V0I6DbGABEBT34jGnMj0h04ghLQyaSZV0ekj0yAcAAAsQar", "cavv": "AJkBBkhgQQAAAE4gSEJydQAAAAA=", "paresStatus": "Y", "acsReferenceNumber": "Cardinal ACS", "xid": "AJkBBkhgQQAAAE4gSEJydQAAAAA=", "directoryServerTransactionId": "ebf656a8-c5da-412d-873f-9f4d3fa9a625", "veresEnrolled": "Y", "threeDSServerTransactionId": "4777bd69-fcef-4725-b41b-84a346d83d0a", "acsOperatorID": "MerchantACS", "ecommerceIndicator": "vbv", "specificationVersion": "2.2.0", "acsTransactionId": "4381f3b5-09b1-4248-992a-89f6514064d7" }, "id": "7252946706016498104006", "paymentInformation": { "card": { "bin": "400000", "type": "VISA" } }, "status": "AUTHENTICATION_SUCCESSFUL", "submitTimeUtc": "2024-09-02T16:31:10Z"}Required Fields for 3RI 3b
| Field | Value |
|---|---|
consumerAuthenticationInformation.deviceChannel | Set to 3RI. |
consumerAuthenticationInformation.messageCategory | Set to 01. |
consumerAuthenticationInformation.strongAuthentication.authenticationIndicator | Set to 02. |
consumerAuthenticationInformation.requestorInitiatedAuthenticationIndicator | Set to 06. |
4a: Multi-Party Commerce or OTA (Visa)
In this test case, a travel booking merchant creates a multi-party transaction for Visa. Refer to the network-specific values section for this use case.
| Card Type | Test Card Number |
|---|---|
| Visa (Card Type = 001) | 4XXXXX XX XXXX 27X1 |
POST /risk/v1/authentications
Example: 3RI 4a Multi-Party Visa Enrollment
{ "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": "[email protected]", "postalCode": "48104-2201" } }, "paymentInformation": { "card": { "type": "001", "expirationMonth": "12", "expirationYear": "2027", "number": "4XXXXXXXXXXX27X1" } }, "deviceInformation": { "httpAcceptContent": "all", "httpBrowserLanguage": "en", "httpBrowserJavaEnabled": "y", "httpBrowserColorDepth": 1, "httpBrowserScreenHeight": 1, "httpBrowserScreenWidth": 1, "httpBrowserTimeDifference": 5, "userAgentBrowserValue": "chrome" }, "consumerAuthenticationInformation": { "strongAuthentication": { "authenticationIndicator": "02" }, "deviceChannel": "3RI", "messageCategory": "01", "requestorInitiatedAuthenticationIndicator": "11" }}{ "consumerAuthenticationInformation": { "eciRaw": "05", "authenticationTransactionId": "GLO987AF3GRfk4IAAO10", "strongAuthentication": { "OutageExemptionIndicator": "0" }, "eci": "05", "token": "AxjzbwSTiS7hKm5H9W8jABEBT34jGnwr0h04ghLQyaSZV0ekj0yAcAAAtQax", "cavv": "AJkBBkhgQQAAAE4gSEJydQAAAAA=", "paresStatus": "Y", "acsReferenceNumber": "Cardinal ACS", "xid": "AJkBBkhgQQAAAE4gSEJydQAAAAA=", "directoryServerTransactionId": "5c1ee075-b8d7-43f0-9525-51de793125a0", "veresEnrolled": "Y", "threeDSServerTransactionId": "f7ddddc1-cd06-4fd1-b1e6-db37e0379451", "acsOperatorID": "MerchantACS", "ecommerceIndicator": "vbv", "specificationVersion": "2.2.0", "acsTransactionId": "1dd0c6ac-03fd-46dd-b6ea-54bb5d337db2" }, "id": "7252948448816500404003", "paymentInformation": { "card": { "bin": "400000", "type": "VISA" } }, "status": "AUTHENTICATION_SUCCESSFUL", "submitTimeUtc": "2024-09-02T16:34:05Z"}Required Fields for 3RI 4a
| Field | Value |
|---|---|
consumerAuthenticationInformation.deviceChannel | Set to 3RI. |
consumerAuthenticationInformation.messageCategory | Set to 01. |
consumerAuthenticationInformation.strongAuthentication.authenticationIndicator | Set to 02. |
consumerAuthenticationInformation.requestorInitiatedAuthenticationIndicator | Set to 11 (Visa: Other payment). |
consumerAuthenticationInformation.priorAuthenticationReferenceId | Set to 01. |
4b: Multi-Party Commerce or OTA (Mastercard)
In this test case, a travel booking merchant creates a multi-party transaction for Mastercard.
| Card Type | Test Card Number |
|---|---|
| Mastercard (Card Type = 002) | 52XXXX XX XXXX 28X5 |
POST /risk/v1/authentications
Example: 3RI 4b Multi-Party Mastercard Enrollment
{ "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": "[email protected]", "postalCode": "48104-2201" } }, "paymentInformation": { "card": { "type": "002", "expirationMonth": "12", "expirationYear": "2027", "number": "<test-visa-pan>" } }, "deviceInformation": { "httpAcceptContent": "all", "httpBrowserLanguage": "en", "httpBrowserJavaEnabled": "y", "httpBrowserColorDepth": 1, "httpBrowserScreenHeight": 1, "httpBrowserScreenWidth": 1, "httpBrowserTimeDifference": 5, "userAgentBrowserValue": "chrome" }, "consumerAuthenticationInformation": { "challengeCode": "03", "deviceChannel": "Browser", "messageCategory": "01", "requestorInitiatedAuthenticationIndicator": "85" }}{ "errorInformation": { "reason": "CONSUMER_AUTHENTICATION_REQUIRED", "message": "The cardholder is enrolled in Payer Authentication. Please authenticate the cardholder before continuing with the transaction." }, "id": "7252951422466502304003", "paymentInformation": { "card": { "bin": "520000", "type": "MASTERCARD" } }, "status": "PENDING_AUTHENTICATION", "submitTimeUtc": "2024-09-02T16:39:02Z"}Example: 3RI 4b Multi-Party Mastercard Validate
{ "clientReferenceInformation": { "code": "pavalidatecheck", "partner": { "developerId": "7891234", "solutionId": "89012345" } }, "consumerAuthenticationInformation": { "authenticationTransactionId": "UjGENvX5ALCk1Yov31m0" }}{ "consumerAuthenticationInformation": { "indicator": "spa", "eciRaw": "02", "authenticationResult": "0", "strongAuthentication": { "OutageExemptionIndicator": "0" }, "authenticationStatusMsg": "Success", "token": "AxijLwSTiS7u/oVLPQ0mABFPfiMaqKgCEtDJpJlXR6SPTIAAkRY+", "paresStatus": "Y", "ucafCollectionIndicator": "2", "ucafAuthenticationData": "AAIBBYNoEwAAACcKhAJkdQAAAAA=", "directoryServerTransactionId": "b25e6688-6b10-4942-a8a1-cc5b5f7ad9af", "threeDSServerTransactionId": "787728f7-bc73-4470-a3e0-9d1524e7ca14", "specificationVersion": "2.2.0", "acsTransactionId": "06338682-af32-49a0-b85b-e5b22579ffbc" }, "id": "7252952341186502004006", "paymentInformation": { "card": { "bin": "520000", "type": "MASTERCARD" } }, "status": "AUTHENTICATION_SUCCESSFUL", "submitTimeUtc": "2024-09-02T16:58:27Z"}Required Fields for 3RI 4b
| Field | Value |
|---|---|
consumerAuthenticationInformation.challengeCode | Set to 03. |
consumerAuthenticationInformation.deviceChannel | Set to Browser. |
consumerAuthenticationInformation.messageCategory | Set to 01. |
consumerAuthenticationInformation.requestorInitiatedAuthenticationIndicator | Set to 85 (Mastercard: Agent payment). |
recurringPaymentInformation.endDate | |
recurringPaymentInformation.frequency | |
recurringPaymentInformation.numberOfPayments | |
recurringPaymentInformation.originalPurchaseDate | |
recurringPaymentInformation.sequenceNumber |
4c: Multi-Party Commerce or OTA (Mastercard)
The merchant initiates a 3RI recurring transaction of a fixed amount for a specified number of transactions using Mastercard.
| Card Type | Test Card Number |
|---|---|
| Mastercard (Card Type = 002) | 52XXXX XX XXXX 2235 |
POST /risk/v1/authentications
Example: 3RI 4c Multi-Party Mastercard Enrollment
{ "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": "[email protected]", "postalCode": "48104-2201" } }, "paymentInformation": { "card": { "type": "002", "expirationMonth": "12", "expirationYear": "2027", "number": "52XXXXXXXXXX2235" } }, "deviceInformation": { "httpAcceptContent": "all", "httpBrowserLanguage": "en", "httpBrowserJavaEnabled": "y", "httpBrowserColorDepth": 1, "httpBrowserScreenHeight": 1, "httpBrowserScreenWidth": 1, "httpBrowserTimeDifference": 5, "userAgentBrowserValue": "chrome" }, "consumerAuthenticationInformation": { "strongAuthentication": { "authenticationIndicator": "02" }, "deviceChannel": "3RI", "messageCategory": "01", "requestorInitiatedAuthenticationIndicator": "85" }}{ "consumerAuthenticationInformation": { "eciRaw": "02", "authenticationTransactionId": "teQ1a9eI9B6hf96QMHJ0", "strongAuthentication": { "OutageExemptionIndicator": "0" }, "token": "AxjzbwSTiUMNwN7oizBEABECT34jdm670h04ghMQyaSZV0ekj0yAmAAAzwTp", "paresStatus": "Y", "acsReferenceNumber": "Cardinal ACS", "ucafCollectionIndicator": "2", "ucafAuthenticationData": "AJkBBkhgQQAAAE4gSEJydQAAAAA=", "directoryServerTransactionId": "208c54bd-a067-4a45-a285-af22f02a5e07", "veresEnrolled": "Y", "threeDSServerTransactionId": "2a6f6351-58a8-4e7b-acbc-8fd3d5ab85f3", "acsOperatorID": "MerchantACS", "ecommerceIndicator": "spa", "specificationVersion": "2.2.0", "acsTransactionId": "932bc2de-6e7a-4b16-adfa-f6c8c1ce9628" }, "id": "7254402151006708904004", "paymentInformation": { "card": { "bin": "520000", "type": "MASTERCARD" } }, "status": "AUTHENTICATION_SUCCESSFUL", "submitTimeUtc": "2024-09-04T08:56:55Z"}Required Fields for 3RI 4c
| Field | Value |
|---|---|
consumerAuthenticationInformation.deviceChannel | Set to 3RI. |
consumerAuthenticationInformation.messageCategory | Set to 01. |
consumerAuthenticationInformation.strongAuthentication.authenticationIndicator | Set to 02. |
consumerAuthenticationInformation.requestorInitiatedAuthenticationIndicator | Set to 85 (Mastercard: Agent payment). |
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Last published: September 29, 2026