Mastercard 3DS Identity Check Insights (Dataonly)
Online Payments - 3DS 2.0 Checkout Fiserv
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"
}
}
}
}
Updated 28 days ago