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3DS2 - Authentication rejected

To test this scenario, use the card number below:

CARD Expiry date Label
4970110000000401 To be chosen VISA

Exchange flow

1. Call the V4.1/PCI/Charge/CreatePayment Web Service with a 3DS2 enrolled card.

{
  "amount": "990",
  "currency": "EUR",
  "paymentForms": [
    {
      "pan": "4970110000000401",
      "expiryMonth": 11,
      "expiryYear": 23,
      "securityCode": "123",
      "paymentMethodType": "CARD"
    }
  ],
  "customer": {
    "email": "sample@example.com"
  }
}

Response

{
  "webService":"PCI/Charge/CreatePayment",
  "version":"V4",
  (...)
  "answer":{
    "operationSessionId":"30641640cba14eab8e6766094fd201da",
    "operationUrl":"https://api.scelliuspaiement.labanquepostale.fr/api-payment/V4/Charge/Public/Authenticate/Payment/Session/30641640cba14eab8e6766094fd201da;JSESSIONID=7A4beEA2d5fdbFeA7389F3B91a7bDBaBc8DA9df5.default-hostname",
    "_type":"V4/PCI/Authentication/AuthenticationSessionResponse"
  }
}

In the example :

  • answer.operationUrl: "https://api.scelliuspaiement.labanquepostale.fr/api-payment/V4/Charge/Public/Authenticate/Payment/Session/30641640cba14eab8e6766094fd201da;JSESSIONID=7A4beEA2d5fdbFeA7389F3B91a7bDBaBc8DA9df5.default-hostname"

  • Pass the operationUrl field to the JS library's kr-authenticate.js authentication method (more info: undefined).

2. Payment platform server returns with payment result (payment refused).

"answer":{
  "shopId": "12345678",
  "orderCycle": "CLOSED",
  "orderStatus": "UNPAID",
  "serverDate": "2023-05-24T14:16:27+00:00",
  "orderDetails": {
    "orderTotalAmount": 990,
    "orderEffectiveAmount": 990,
    "orderCurrency": "EUR",
    "mode": "TEST",
    "orderId": null,
    "metadata": null,
    "_type": "V4/OrderDetails"
  },
  "customer": {
    "billingDetails": {
      "address": null,
      "category": null,
      "cellPhoneNumber": null,
      "city": null,
      "country": null,
      "district": null,
      "firstName": null,
      "identityCode": null,
      "identityType": null,
      "language": "FR",
      "lastName": null,
      "phoneNumber": null,
      "state": null,
      "streetNumber": null,
      "title": null,
      "zipCode": null,
      "legalName": null,
      "_type": "V4/Customer/BillingDetails"
    },
    "email": "sample@example.com",
    "reference": null,
    "shippingDetails": {
      "address": null,
      "address2": null,
      "category": null,
      "city": null,
      "country": null,
      "deliveryCompanyName": null,
      "district": null,
      "firstName": null,
      "identityCode": null,
      "lastName": null,
      "legalName": null,
      "phoneNumber": null,
      "shippingMethod": null,
      "shippingSpeed": null,
      "state": null,
      "streetNumber": null,
      "zipCode": null,
      "_type": "V4/Customer/ShippingDetails"
    },
    "extraDetails": {
      "browserAccept": null,
      "fingerPrintId": null,
      "ipAddress": "54.86.50.139",
      "browserUserAgent": "PostmanRuntime/7.32.2",
      "_type": "V4/Customer/ExtraDetails"
    },
    "shoppingCart": {
      "insuranceAmount": null,
      "shippingAmount": null,
      "taxAmount": null,
      "cartItemInfo": null,
      "_type": "V4/Customer/ShoppingCart"
    },
    "_type": "V4/Customer/Customer"
  },
  "transactions": [
    {
      "shopId": "12345678",
      "uuid": "298607e318d247ed8ce4fc8b43d2bdd1",
      "amount": 990,
      "currency": "EUR",
      "paymentMethodType": "CARD",
      "paymentMethodToken": null,
      "status": "UNPAID",
      "detailedStatus": "REFUSED",
      "operationType": "DEBIT",
      "effectiveStrongAuthentication": "DISABLED",
      "creationDate": "2023-05-24T14:13:37+00:00",
      "errorCode": "PSP_707",
      "errorMessage": "Authentication refused by the issuer",
      "detailedErrorCode": "207",
      "detailedErrorMessage": "Authentication refusal from emisor for this transaction",
      "metadata": null,
      "transactionDetails": {
        "liabilityShift": null,
        "effectiveAmount": 990,
        "effectiveCurrency": "EUR",
        "creationContext": "CHARGE",
        "cardDetails": {
          "paymentSource": "EC",
          "manualValidation": "NO",
          "expectedCaptureDate": "2023-05-24T14:13:37+00:00",
          "effectiveBrand": "VISA",
          "pan": "497011XXXXXX0401",
          "expiryMonth": 11,
          "expiryYear": 2023,
          "country": "FR",
          "issuerCode": 17807,
          "issuerName": "Banque Populaire Occitane",
          "effectiveProductCode": null,
          "legacyTransId": "909319",
          "legacyTransDate": "2023-05-24T14:13:37+00:00",
          "paymentMethodSource": "NEW",
          "authorizationResponse": {
            "amount": null,
            "currency": null,
            "authorizationDate": null,
            "authorizationNumber": null,
            "authorizationResult": null,
            "authorizationMode": "FULL",
            "_type": "V4/PaymentMethod/Details/Cards/CardAuthorizationResponse"
          },
          "captureResponse": {
            "refundAmount": null,
            "refundCurrency": null,
            "captureDate": null,
            "captureFileNumber": null,
            "effectiveRefundAmount": null,
            "effectiveRefundCurrency": null,
            "_type": "V4/PaymentMethod/Details/Cards/CardCaptureResponse"
          },
          "threeDSResponse": {
            "authenticationResultData": {
              "transactionCondition": null,
              "enrolled": null,
              "status": null,
              "eci": null,
              "xid": null,
              "cavvAlgorithm": null,
              "cavv": null,
              "signValid": null,
              "brand": null,
              "_type": "V4/PaymentMethod/Details/Cards/CardAuthenticationResponse"
            },
            "_type": "V4/PaymentMethod/Details/Cards/ThreeDSResponse"
          },
          "authenticationResponse": {
            "id": "92ea0bff-c0f2-4c28-8637-bb093d28bea0",
            "operationSessionId": "951b4c88fdce4cf7ac32fe59822724dd",
            "protocol": {
              "name": "THREEDS",
              "version": "2.2.0",
              "network": "VISA",
              "challengePreference": "NO_PREFERENCE",
              "simulation": true,
              "_type": "V4/Charge/Authenticate/Protocol"
            },
            "value": {
              "authenticationType": "FRICTIONLESS",
              "authenticationId": {
                "authenticationIdType": "dsTransId",
                "value": "a9544df2-3400-4bf1-83c7-dd67ff37d51e",
                "_type": "V4/Charge/Authenticate/AuthenticationId"
              },
              "status": "REJECTED",
              "extension": {
                "authenticationType": "THREEDS_V2",
                "threeDSServerTransID": "92ea0bff-c0f2-4c28-8637-bb093d28bea0",
                "dsTransID": "a9544df2-3400-4bf1-83c7-dd67ff37d51e",
                "acsTransID": "a8338ca8-eaff-4c45-b6e7-93d68c794c12",
                "transStatusReason": "10",
                "requestorName": "SITE1 / SITE 2 /SITE 3",
                "_type": "V4/Charge/Authenticate/AuthenticationResultExtensionThreedsV2"
              },
              "reason": {
                "code": "STOLEN_CARD",
                "_type": "V4/Charge/Authenticate/AuthenticationResultReason"
              },
              "_type": "V4/Charge/Authenticate/AuthenticationResult"
            },
            "_type": "V4/AuthenticationResponseData"
          },
          "installmentNumber": null,
          "installmentCode": null,
          "markAuthorizationResponse": {
            "amount": null,
            "currency": null,
            "authorizationDate": null,
            "authorizationNumber": null,
            "authorizationResult": null,
            "_type": "V4/PaymentMethod/Details/Cards/MarkAuthorizationResponse"
          },
          "cardHolderName": null,
          "identityDocumentNumber": null,
          "identityDocumentType": null,
          "initialIssuerTransactionIdentifier": null,
          "productCategory": "DEBIT",
          "nature": "CONSUMER_CARD",
          "_type": "V4/PaymentMethod/Details/CardDetails"
        },
        "paymentMethodDetails": {
          "id": "497011XXXXXX0401",
          "paymentSource": "EC",
          "manualValidation": "NO",
          "expectedCaptureDate": "2023-05-24T14:13:37+00:00",
          "effectiveBrand": "VISA",
          "expiryMonth": 11,
          "expiryYear": 2023,
          "country": "FR",
          "issuerCode": 17807,
          "issuerName": "Banque Populaire Occitane",
          "effectiveProductCode": null,
          "legacyTransId": "909319",
          "legacyTransDate": "2023-05-24T14:13:37+00:00",
          "paymentMethodSource": "NEW",
          "authorizationResponse": {
            "amount": null,
            "currency": null,
            "authorizationDate": null,
            "authorizationNumber": null,
            "authorizationResult": null,
            "authorizationMode": "FULL",
            "_type": "V4/PaymentMethod/Details/Cards/CardAuthorizationResponse"
          },
          "captureResponse": {
            "refundAmount": null,
            "refundCurrency": null,
            "captureDate": null,
            "captureFileNumber": null,
            "effectiveRefundAmount": null,
            "effectiveRefundCurrency": null,
            "_type": "V4/PaymentMethod/Details/Cards/CardCaptureResponse"
          },
          "authenticationResponse": {
            "id": "92ea0bff-c0f2-4c28-8637-bb093d28bea0",
            "operationSessionId": "951b4c88fdce4cf7ac32fe59822724dd",
            "protocol": {
              "name": "THREEDS",
              "version": "2.2.0",
              "network": "VISA",
              "challengePreference": "NO_PREFERENCE",
              "simulation": true,
              "_type": "V4/Charge/Authenticate/Protocol"
            },
            "value": {
              "authenticationType": "FRICTIONLESS",
              "authenticationId": {
                "authenticationIdType": "dsTransId",
                "value": "a9544df2-3400-4bf1-83c7-dd67ff37d51e",
                "_type": "V4/Charge/Authenticate/AuthenticationId"
              },
              "status": "REJECTED",
              "extension": {
                "authenticationType": "THREEDS_V2",
                "threeDSServerTransID": "92ea0bff-c0f2-4c28-8637-bb093d28bea0",
                "dsTransID": "a9544df2-3400-4bf1-83c7-dd67ff37d51e",
                "acsTransID": "a8338ca8-eaff-4c45-b6e7-93d68c794c12",
                "transStatusReason": "10",
                "requestorName": "SITE1 / SITE 2 /SITE 3",
                "_type": "V4/Charge/Authenticate/AuthenticationResultExtensionThreedsV2"
              },
              "reason": {
                "code": "STOLEN_CARD",
                "_type": "V4/Charge/Authenticate/AuthenticationResultReason"
              },
              "_type": "V4/Charge/Authenticate/AuthenticationResult"
            },
            "_type": "V4/AuthenticationResponseData"
          },
          "installmentNumber": null,
          "installmentCode": null,
          "markAuthorizationResponse": {
            "amount": null,
            "currency": null,
            "authorizationDate": null,
            "authorizationNumber": null,
            "authorizationResult": null,
            "_type": "V4/PaymentMethod/Details/Cards/MarkAuthorizationResponse"
          },
          "cardHolderName": null,
          "identityDocumentNumber": null,
          "identityDocumentType": null,
          "initialIssuerTransactionIdentifier": null,
          "_type": "V4/PaymentMethod/Details/PaymentMethodDetails"
        },
        "acquirerDetails": null,
        "fraudManagement": {
          "riskControl": [
            {
              "name": "SUSPECT_COUNTRY",
              "result": "OK",
              "_type": "V4/PaymentMethod/Details/Risk/RiskControl"
            },
            {
              "name": "SUSPECT_IP_COUNTRY",
              "result": "OK",
              "_type": "V4/PaymentMethod/Details/Risk/RiskControl"
            },
            {
              "name": "IP_FRAUD",
              "result": "OK",
              "_type": "V4/PaymentMethod/Details/Risk/RiskControl"
            }
          ],
          "riskAnalysis": [],
          "_type": "V4/PaymentMethod/Details/FraudManagement"
        },
        "subscriptionDetails": {
          "subscriptionId": null,
          "_type": "V4/PaymentMethod/Details/SubscriptionDetails"
        },
        "parentTransactionUuid": null,
        "mid": "1234567",
        "sequenceNumber": 1,
        "taxAmount": null,
        "preTaxAmount": null,
        "taxRate": null,
        "externalTransactionId": null,
        "nsu": null,
        "tid": "001",
        "acquirerNetwork": "CB",
        "taxRefundAmount": null,
        "userInfo": null,
        "paymentMethodTokenPreviouslyRegistered": null,
        "occurrenceType": "UNITAIRE",
        "archivalReferenceId": "L14490931901",
        "useCase": null,
        "wallet": null,
        "_type": "V4/TransactionDetails"
      },
      "_type": "V4/PaymentTransaction"
    }
  ],
  "subMerchantDetails": null,
  "_type": "V4/Payment"
}
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