Data Only - Mastercard and Visa

"Data Only" is the term used to describe a transaction flow in which a merchant shares only the data of a transaction with the Issuer through the 3DS rail, without presenting a challenge to the cardholder. This can be influenced by the level of challenges requested by an Issuer and has the following characteristics:

• Always frictionless. The Issuer cannot enforce a challenge for the cardholder in a Data Only transaction.
• There is no liability shift, meaning the merchant remains responsible for potential fraud in this case, not the issuer.
• Depending on the risk of the transaction (e.g., isolated lower-value transactions) or for issuers with a low level of frictionless or technical issues in the authentication process, higher approval rates can be achieved. More information aids in decision-making.

For more details on the official documentation, please contact the card networks Mastercard and VISA and enter "visa secure documentation."

Autentication

To use Identity Check Insights you need to send the value 80 in message.category in the authentication operation.

The Identity Check Insights authentication response has the following characteristics:

• three_ds_server.status: AUU
• ECI: 04
• transaction.status: U
• transaction.status_reason: 80

Success example

Request:

To use this example, don't forget to define the variable {{url}} with the value

curl 
--request PUT "https://mpi-homolog.softwareexpress.com.br/3ds-server/v2/authentication/12341234-1234-1234-1234-123412341234"
--header "Content-Type: application/json"
--header "merchant_id: xxxxxxxxxxxxxxx" 
--header "merchant_key: xxxxxxxxxxx"
--data-binary
{
   "three_ds_comp_ind":"Y",
   "pay_token_ind":"false",
   "notification_url":"https://www.requestor.com/notification",
   "decoupled_notification_url":"https://www.requestor.com/decoupled_notification",
   "trans_type":"01",
   "three_ds_requestor":{
      "authentication_ind":"01",
      "decoupled_max_time":"10",
      "id":"id",
      "name":"Loja de Testes",
      "url":"https://www.requestor.com"
   },
   "acquirer":{
      "bin":"2",
      "merchant_id":"00000000"
   },
   "browser":{
      "accept_header":"text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,*/*;q=0.8",
      "ip":"10.20.30.40",
      "javascript_enabled":"true",
      "java_enabled":"false",
      "language":"pt-BR",
      "color_depth":"24",
      "screen_height":"864",
      "screen_width":"1536",
      "tz":"180",
      "user_agent":"Mozilla/5.0 (Windows NT 10.0; Win64; x64; rv:75.0) Gecko/20100101 Firefox/75.0"
   },
   "cardholder":{
      "card_expiry_date":"2212",
      "name":"Joaquim",
      "acct":{
         "type":"02",
         "number":"1234123412341234"
      }
   },
   "merchant":{
      "mcc":"mcc",
      "country_code":"BRA",
      "name":"Loja de Teste",
   },
   "message":{
      "category":"80"
   },
   "purchase":{
      "amount":"10000",
      "currency":"986",
      "exponent":"2",
      "date":"date"
   }
}
--verbose

Response:

{
   "three_ds_server":{
      "trans_id":"12341234-1234-1234-1234-123412341234",
      "status":"AUU"
   },
   "acs":{
      "operator_id":"acsOperatorID",
      "reference_number":"acsReferenceNumber",
      "trans_id":"43214321-4321-4321-4321-432143214321"
   },
   "eci":"04",
   "device_channel":"02",
   "broad_info":"broadInfo",
   "ds":{
      "reference_number":"dsReferenceNumber",
      "trans_id":"56785678-5678-5678-5678-567856875678"
   },
   "transaction":{
      "status":"U",
      "status_reason":"80"
   }
}

Authentication Failure

If there is any failure in the Identity Check Insights authentication operation, the response must have the following characteristics:

• ECI will not be returned
• A response message will be returned containing a MAIQ response name extension in the message.extension object

More details in the official documentation.

Example

Response

{
  "three_ds_server" : {
    "trans_id" : "71b92918-967e-499f-9371-eec6f4736739",
    "status" : "AUU"
  },
  "acs" : {
    "operator_id" : "acsOperatorID",
    "reference_number" : "acsReferenceNumber",
    "trans_id" : "61491484-029e-48d1-96ec-9cb57a0ec136"
  },
  "device_channel" : "02",
  "broad_info" : "broadInfo",
  "ds" : {
    "reference_number" : "dsReferenceNumber",
    "trans_id" : "550be910-99c9-4676-9fed-2fd33d057727"
  },
  "message" : {
    "extension" : [ {
      "criticality_indicator" : "false",
      "data" : "{\"A000000004-maiqRes\": {\"status\": \"fail\"}}",
      "id" : "A000000004-maiqRes",
      "name" : "MAIQ response"
    } ]
  },
  "transaction" : {
    "status" : "U",
    "status_reason" : "80"
  }
}