Process a payment with authenticated 3-D Secure information
Note:
To simplify your development and have consistency across the various Purchase requests - all Purchase API calls can also be reached at the following endpoint with any combination of the required Purchase... parameters :
https://<<test_api_url>>/v3/payment/sale/
QorCommerce supports processing sales for cardholders authenticated by Visa ("Verfied by Visa"), MasterCard ("SecureCode"), Amex ("SafeKey"), Discover ("ProtectBuy") and JCB ("J/Secure") though 3-D Secure for eCommerce transactions.
3-D Secure allows enrolled cardholders to be authenticated with a password or PIN before processing any online payments. Sales based on a 3-D Secure authentication are much more secure and the merchant benefits from the payment guarantee (liability shift).
3-D Secure is possible for online internet, browser-based payments only. This API supports host payment authorization when required 3-D Secure digital signatures are present.
More information on 3-D Secure can be found here…
Process
- The client app passes the cardholder’s credit card data and purchase information as required by the 3-D Secure provider.
- The cardholder’s internet browser forwards the 3-D Secure request to the card
issuing bank. - The customer authenticates their enrolled card with a PIN, password,
certificate or any other secure identification methods required by the 3-D Secure provider. - The result of the authentication is returned to the customers browser with values required by QorCommerce to process a 3-D Secure authenticated transaction.
- The client app creates a 3-D Secure sale request with the minimum required values and POSTS request to this endpoint.
- QorCommerce checks the request and required parameters values. If present QorCommerce will submit the transaction to the host processor for approval.
Parameters
-
The following parameters are available to process a 3-D Secure authenticated sale.
| parameter | description | required |
|---|---|---|
| mid | the Merchant ID (MID) assigned by QorCommerce or your merchant service provider (MSP) | Yes |
| topt | Type Of Payment Transaction - set a value to simply tag and/or route a transaction to a pre-defined provider. | No |
| reference_id | A reference id that will be echo'd back in the message response. | No |
| amount | the total amount to process that MUST equal the sum of all total_amount parameter values in the items object array (see below) | Yes |
| service_charge | the amount of the total sum of this transaction that is made up of the service_charge | No |
| creditcard | the credit card number | Yes |
| month | the card expiration month | Yes |
| year | the card expiration year | Yes |
| cvv | the card verification value | Yes |
| cardfullname | the name printed or embossed on the front of the credit card | Yes if store_card value is true |
| baddress | the card billing street address | No |
| baddress2 | the card billing street 2 address | No |
| bcity | the card billing city name | No |
| bstate | the card billing state code | No |
| bzip | the card billing zip code | Yes |
| bcountry | the card billing country code | No |
| currency | The currency to process. Defaults to 'USD' if no value provided | No |
| invoiceid | the merchant invoice id associated with the sale | No |
| orderid | unique merchant order tracking number | Yes |
| ipaddress | The IP address of the client or server sending the request | No |
| cfirstname | the customer first name | No |
| clastname | the customer last name | No |
| cemail | the customer email address | No |
| cphone | the customer phone number | No |
| response_3DS | Status response from 3-D Secure provider. Possible values are typically success, failure, noaction or error but can vary depending on provider | Yes |
| CAVV | The 3-D Secure Cardholder Authentication Verification Value (MasterCard’s UCAF value) | Yes |
| ECIFlag | Electronic Commerce Indicator 0 = Payment has been flagged as SSL secured transaction 1 = Payment has been flagged as SSL 3-D Secure authentication transaction (cardholder enrolled) 2 = Payment has been flagged as SSL 3-D Secure authentication transaction (cardholder not enrolled or partial authenticated) | Yes |
| XID | 3-D Secure Transaction Identifier | Yes |
| risk_score | risk score associated to this transaction (*if you are using a risk prevention system) | No |
| store_card | if true will store card in the QorCommerce Vault and return a card token | No |
JSON Example
The following JSON example provides test values to process a 3-D Secure authenticated sale. You can copy and paste these values in the Body Params section below to be used by the Try It feature
{
"transaction_data": {
"mid": "887728202",
"amount": "86.41",
"creditcard": "5544044490909090",
"cvv": "123",
"month": "12",
"year": "22",
"bzip": "23443",
"cardfullname": "Endframe Systems",
"currency": "USD",
"invoiceid": "INV-123123",
"orderid": "124531541",
"ipaddress": "0.0.0.0",
"baddress": "1338 Westport Dr",
"baddress2": "Suite 300",
"bcity": "Santa Clara",
"bstate": "CA",
"bcountry": "US",
"cfirstname": "Dinesh",
"clastname": "Chugtai",
"cemail": "[email protected]",
"cphone": "415.343.1231",
"cwebaddress": "endframe-sys.com",
"3DS_response": "",
"CAVV": "",
"ECIFlag": "",
"XID": "",
"risk_score": 0,
"store_card": 0
}
}
Store Card Option
You can store the credit card information provided in the QorCommerce Secure Vault by setting the store_card parameter to true. The response will provide a token value representing the credit card that you can associate with your customer and/or a contract to use for a future payment in place of credit card data when needed.
Response Codes
Link to details on related response codes.