Mastercard 3DS Identity Check Insights (Dataonly)

Identity Check Insights is a 3DS mode exclusive to Mastercard that has the following characteristics:

• It provides a frictionless experience, with reduced latency and no possibility of a cardholder challenge.
• The merchant will be responsible for paying for the fraud (without liability shift).
• Higher approval rate.
• Exclusive for Mastercard branded cards.

More details in the official Mastercard documentation.

In Carat Portal it is possible to make a payment transaction using Identity Check Insights in two ways:

• Via parameter when starting a payment transaction
• Via merchant configuration

Via parameter when starting transaction

The merchant can indicate that he wants to use Identity Check Insights by informing the value 80 in the parameter additional_data.authentication.message.category.

Example:

{
  "merchant_id": "LOJAYYZ",
  "authorizer_id": "2",
  "amount": "10004",
  "authenticate": "1",
  "additional_data": {
    "purchase_information_data": {
      "date": "20201023113749"
    },
    "exponent": "2",
    "authentication": {
      "transaction_type": "01",
      "indicator": "01",
      "message": {
        "category": "80"
      }
    }
  }
}

Via merchant configuration

The merchant can ask the e-SiTef Support Team to enable the option Utiliza Mastercard 3DS Identity Check Insights.

With this setting enabled, all payment transactions using Mastercard and Maestro branded cards will use Mastercard 3DS Identity Check Insights by default.

Example:

{
  "merchant_id": "DATAONLYON",
  "authorizer_id": "2",
  "amount": "10004",
  "authenticate": "1",
  "additional_data": {
    "purchase_information_data": {
      "date": "20201023113749"
    },
    "exponent": "2",
    "authentication": {
      "transaction_type": "01",
      "indicator": "01"
    }
  }
}

It is possible to override this behavior by sending the value 01 in the parameter additional_data.authentication.message.category, ignoring the merchant configuration.

Example:

{
  "merchant_id": "DATAONLYON",
  "authorizer_id": "2",
  "amount": "10004",
  "authenticate": "1",
  "additional_data": {
    "purchase_information_data": {
      "date": "20201023113749"
    },
    "exponent": "2",
    "authentication": {
      "transaction_type": "01",
      "indicator": "01",
      "message": {
        "category": "01"
      }
    }
  }
}