On This Page
FILTER BY TAG

Authorizing an Apple Pay Digital Wallet Payment with 3-D Secure

The topics in this section show to how to authorize an Apple Pay digital wallet payment with 3-D Secure authentication:
  • Basic steps
  • Required fields
  • Diners Club example
For general information about basic authorizations, see the "Standard Payments Processing" section of the .

Basic Steps to Authorize an Apple Pay Digital Wallet Payments with 3-D Secure

  1. Follow these steps to authorize an Apple Pay payment on Mastercard with 3-D Secure authentication:
  2. Create the request message with the required
    REST
     API fields.
    • Use the API fields listed in Required Fields to Authorize an Apple Pay Digital Wallet Payment with 3-D Secure.
      These REST API fields are specific to this payload:
      • merchantInformation.merchantDomain
      • consumerAuthenticationInformation.cavv
        —Diners Club and Visa only
      • consumerAuthenticationInformation.ucafAuthenticationData
        —Mastercard only
      • consumerAuthenticationInformation.ucafCollectionIndicator
        —Mastercard only
      • paymentInformation.tokenizedCard.cryptogram
      • paymentInformation.tokenizedCard.transactionType
      • paymentInformation.tokenizedCard.type
      • processingInformation.commerceIndicator
      • processingInformation.paymentSolution
      • processingInformation.paymentNetworkTokenTransactionType
    • Refer to the example Visa Card Example: Authorize an Apple Pay Digital Wallet Payment with 3-D Secure.
      IMPORTANT
      The example is based on a Visa card transaction. Set these fields to the appropriate values based on the card type:
      • paymentInformation.tokenizedCard.type
      • processingInformation.commerceIndicator
  3. Send the message to one of these endpoints:
    • Production:
      POST
      https://api.cybersource.com
      /pts/v2/payments
    • Test:
      POST
      https://apitest.cybersource.com
      /pts/v2/payments
  4. Verify the response messages to make sure that the request was successful.

    ADDITIONAL INFORMATION

    A 200-level HTTP response code indicates success. See the .

Required Fields to Authorize an Apple Pay Digital Wallet Payment with 3-D Secure

These REST API fields are required to request authorization of an Apple Pay digital wallet payment with 3-D Secure authentication.
clientReferenceInformation.code
consumerAuthenticationInformation.cavv
For Diners Club and Visa cards only—Set this value to the universal cardholder authentication number to indicate 3-D Secure authentication.
consumerAuthenticationInformation.directoryServerTransactionId
consumerAuthenticationInformation.paSpecificationVersion
consumerAuthenticationInformation.ucafAuthenticationData
For Mastercard transactions only—Set this value to the universal cardholder authentication field (UCAF) data to indicate 3-D Secure authentication.
consumerAuthenticationInformation.ucafCollectionIndicator
For Mastercard transactions only—Set the value of this field to
2
. UCAF collection is supported on your website and the UCAF was populated. This value indicates a successful Mastercard Identity Check transaction.
merchantInformation.merchantId
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
orderInformation.billTo.address1
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.phoneNumber
orderInformation.billTo.postalCode
paymentInformation.tokenizedCard.cryptogram
Set the value to the network token cryptogram from Apple Pay.
paymentInformation.tokenizedCard.expirationMonth
paymentInformation.tokenizedCard.expirationYear
paymentInformation.tokenizedCard.transactionType
Set the value to
1
.
paymentInformation.tokenizedCard.type
Set the value to the card type code. Possible values:
  • 001
     for Visa
  • 002
     for Mastercard
  • 005
     for Diners Club
processingInformation.commerceIndicator
Set the value to the code for the 3-D Secure authentication service. Possible values:
  • pb
     for 3-D Secure authentication by Diners Club ProtectBuy
  • spa
     for 3-D Secure authentication by Mastercard Identity Check
  • vbv
     for 3-D Secure authentication by Visa Secure
processingInformation.paymentSolution
Set the value to
001
 for Apple Pay in-app and web transactions.

Visa Card Example: Authorize an Apple Pay Digital Wallet Payment with 3-D Secure

Request
{
  "clientReferenceInformation": {
    "code": "VISA-3DS-APPLEPAY-006"
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "199.00",
      "currency": "EUR"
    },
    "billTo": {
      "firstName": "Pierre",
      "lastName": "Dubois",
      "address1": "15 Rue de la Paix",
      "locality": "Paris",
      "postalCode": "75001",
      "country": "FR",
      "email": "[email protected]",
      "phoneNumber": "+33-1-42-96-12-34"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "cryptogram": "BwABBJQ0AgAAAAAgJDUCAAAAAAA=",
      "transactionType": "1",
      "expirationMonth": "08",
      "expirationYear": "2027",
      "type": "001"
    }
  },
  "consumerAuthenticationInformation": {
    "cavv": "BgABBJQ0AgAAAAAgJDUCAAAAAA=",
    "directoryServerTransactionId": "8a2+89r+vs8fsc8w+v+79y==",
    "paSpecificationVersion": "2.2.0"
  },
  "processingInformation": {
    "paymentSolution": "001",
    "commerceIndicator": "vbv"
  },
  "merchantInformation": {
    "merchantId": "demo_merchant_12345"
  }
}
RELATED TO THIS PAGE