How to perform Cardinal 3DS


Step 1: Setup Payer Auth
- Send API Request to get accessToken in the response
https://developer.cybersource.com/api-reference-assets/index.html#payer-authentication_payer-authentication_setup-payer-auth

Step 2: Input accessToken response in the text box below and submit to get sessionId

DDC Result:


Step 3: Check Payer Auth - with the sessionId(verify that it is the same as the earlier referenceId), use it to send the following API Request:
Option A - Use "Check Payer Auth Enrollment" to get accessToken/3ds challenge payload outcome in the response
https://developer.cybersource.com/api-reference-assets/index.html#payer-authentication_payer-authentication_check-payer-auth-enrollment
Option B - Use "Authorization with PA Enroll (Authentication Needed)" to send in payment request with 3DS Enrollment Check.
https://developer.cybersource.com/api-reference-assets/index.html#payments_payments_process-a-payment_samplerequests-dropdown_authorization-with-payer-authentication_authorization-with-pa-enroll-authentication-needed_liveconsole-tab-request-body


Step 4a: Generate JWT below step (if using Visa Payment Connect). OR follow Step 4b if you have "accessToken" generated on Step 3.

Generate Challenge JWT

jti/uuid:

iss/api identifier:

OrgUnitId:

ACSURL:

TransactionId:

ReturnURL:

API Key:

pareq/Payload:

If JWT successfully generated, it will appear on the "Challenge JWT/accessToken" textbox below.

Step 4b: If you have the "accessToken" on Step 3, input it here, else follow Step 4a to generate the Challenge JWT.

Challenge JWT/accessToken:

Step 5: Perform 3DS Challenge - Enter otp 1234 in the Challenge iFrame below and click submit.


Step 6: You will be recieving the challenge completion details in the URL defined in Step 3. You can then:
Step 7a: Perform Validate 3DS Result with authenticationTransactionId
https://developer.cybersource.com/api-reference-assets/index.html#payer-authentication_payer-authentication_validate-authentication-results

Step 7b: Submit 3DS details with Authorisation Request
https://developer.cybersource.com/api-reference-assets/index.html#payments_payments_process-a-payment





Others: Do not use.
JSON Payload



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