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
esitef-homologacao.softwareexpress.com.br

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"
}
}