3D Secure Authentication

This page is for reference only, please refer to 3D Secure and Wallet Payments for new integrations.

An eCommerce consumer authentication strategy that verifies the owner of the card account. After consumer authentication of the account through the Issuer and Brands, the merchant sends the CreditAuth or CreditSale authorization message to Portico.

The SecureECommerce field is sent within those messages containing the necessary eCommerce 3D Secure data that is required by the brands and issuers to settle correctly.

The ECommerceIndicator field within the SecureECommerce block should contain the ECI received from the 3DS Payment Authenticator. Both manual entry and token data are acceptable payment method forms for this functionality.

For Secure eCommerce, the following SecureECommerce data elements apply:

PaymentDataSource
- AMEX 3D Secure
- Discover 3D Secure
- Mastercard 3D Secure
- Visa 3D Secure
PaymentData
- For Verified by Visa—Visa CAVV
- For Discover ProtectBuy—Discover CAVV
- For AMEX Safekey—Amex Safekey
- For Mastercard 3D Secure—Mastercard UCAF
ECommerceIndicator
- Numeric value from 0–7