3D Secure 2.0 Payments

3D Secure 2.0 is the new authentication protocol that provides an additional layer of verification for card transactions. Strong Customer Authentication (SCA) requires merchants to integrate into the checkout flow a two-factor authentication, requiring their customers to use two out of three elements: something only the user knows like a password, something only the user possesses like the phone and something only the user possesses like a fingerprint.

Checkout the below example of a payment using the 3D Secure 2.0 protocol.

Although 3D Secure 2.0 protocol requires sending much more additional details, it increases the chances for a smooth and frictionless payment flow.

Request:

POST https://securetest.smart2pay.com/v1/payments
Authorization: Basic MTAxMDpnYWJp

{
  "Payment": {
  "MerchantTransactionID": "s2ptest_6a",
  "Amount": "100",
  "Currency": "EUR",
  "ReturnURL": "http://demo.smart2pay.com/redirect.php",
  "Description": "Test Description",
  "StatementDescriptor1": "Dynamic Test Description",
  "BillingAddress": {
    "City": "Iasi",
    "ZipCode": "7000-49",
    "State": "Iasi",
    "Street": "Sf Lazar",
    "StreetNumber": "37",
    "HouseNumber": "5A",
    "HouseExtension": "-",
    "Country": "RO"
    },
  "ShippingAddress": {
    "City": "Iasi",
    "ZipCode": "700049",
    "State": "Iasi",
    "Street": "Sf Lazar",
    "StreetNumber": "37",
    "HouseNumber": "-",
    "HouseExtension": "-",
    "Country": "RO" 
    },
  "Customer": {
    "MerchantCustomerID": "3452342354232",
    "Email": "accept@accept.com",
    "Firstname": "Test",
    "Lastname": "Person",   
    "SocialSecurityNumber": "45908-28324",
    "Phone": "0744-783322",
    "Company": "S2P",
    "Gender": "1"
    },
  "Card": {
    "HolderName": "Test Person",
    "Number": "4012005162084369",
    "ExpirationMonth": "05",
    "ExpirationYear": "2020",
    "SecurityCode": "123",
    "RequireSecurityCode": true
    },
  "Capture": false,
  "Retry": false,
  "GenerateCreditCardToken": false,
  "PaymentTokenLifetime": 10,
  "3DSecure": true,
  "DeviceInfo": {
    "BrowserAcceptHeader": "application/json, text/javascript, */*; q=0.01",
    "BrowserUserAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/76.0.3809.132 Safari/537.36",
    "BrowserJavaEnabled": false,
    "BrowserJavaScriptEnabled": true,
    "BrowserLanguage": "ro-RO",
    "BrowserColorDepth": "24",
    "BrowserScreenHeight": "1080",
    "BrowserScreenWidth": "1920",
    "BrowserTimeZone": "-180"
    },
  "ScaExemption": "LowValueTransaction",
  "Language": "ro-RO",
  "SkinID": 200
  }
}

Response:

HTTP/1.1 201 Created
Content-Type: application/json; charset=utf-8

{
    "Payment": {
        "ID": 208161,
        "ClientIP": null,
        "SkinID": 200,
        "Created": "20190828091954",
        "MerchantTransactionID": "s2ptest_6a",
        "OriginatorTransactionID": null,
        "Amount": "100",
        "Currency": "EUR",
        "CapturedAmount": "0",
        "ReturnURL": "http://demo.smart2pay.com/redirect.php",
        "Description": "Test Description",
        "StatementDescriptor": "Static Description",
        "MethodID": 6,
        "MethodOptionID": null,
        "SiteID": 1010,
        "NotificationDateTime": null,
        "Customer": {
            "ID": 647,
            "MerchantCustomerID": "3452342354232",
            "Email": "accept@accept.com",
            "FirstName": "Test",
            "LastName": "Person",
            "Gender": "1",
            "SocialSecurityNumber": "45908-28324",
            "Phone": "0744-783322",
            "Company": "S2P"
        },
        "BillingAddress": {
            "ID": 253,
            "City": "Iasi",
            "ZipCode": "7000-49",
            "State": "Iasi",
            "Street": "Sf Lazar",
            "StreetNumber": "37",
            "HouseNumber": "5A",
            "HouseExtension": "-",
            "Country": "RO"
        },
        "ShippingAddress": {
            "ID": 87,
            "City": "Iasi",
            "ZipCode": "700049",
            "State": "Iasi",
            "Street": "Sf Lazar",
            "StreetNumber": "37",
            "HouseNumber": "-",
            "HouseExtension": "-",
            "Country": "RO"
        },
        "Articles": null,
        "Card": {
            "HolderName": "Test Person",
            "Number": "VISA-4369",
            "ExpirationMonth": "05",
            "ExpirationYear": "2020"
        },
        "CreditCardToken": null,
        "Status": {
            "ID": 9,
            "Info": "Authorized",
            "Reasons": []
        },
        "MethodTransactionID": null,
        "AuthorizationCode": "591659",
        "PaymentTokenLifetime": 10,
        "Capture": false,
        "Retry": false,
        "RedirectURL": null,
        "3DSecure": true,
        "DeviceInfo": {
            "BrowserAcceptHeader": "application/json, text/javascript, */*; q=0.01",
            "BrowserUserAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/76.0.3809.132 Safari/537.36",
            "BrowserJavaEnabled": false,
            "BrowserJavaScriptEnabled": true,
            "BrowserLanguage": "ro-RO",
            "BrowserColorDepth": "24",
            "BrowserScreenHeight": "1080",
            "BrowserScreenWidth": "19200",
            "BrowserTimeZone": "-180"
        },
        "ScaExemption": null,
        "Fraud": {
            "Status": "Accept",
            "Score": 31,
            "Reason": "No decision provided"
        }
    }
}