3DS Flex (Hosted)

3DS Flexis the most advanced product on the market for 3-D Secure (3DS). It combines the new standard of 3DS2 with traditional 3DS. To benefit from reduced fraud rates and increased authorisation, take a look at our HPP integration guidelines below.

Prerequisite: You need to be setup for 3DS2, before using it with Worldpay. For more information, contact your Relationship Manager.

Worldpay will handle 3DS on your behalf. Submit yourHPP requestand the shopper is directed to the 3DS challenge response, if required by the issuer.

Note: We recommend providing an orderCode of less than 50 characters for 3DS Flex requests. Where the orderCode is longer than 50 characters, we will truncate it for downstream processing. This adjusted orderCode is only be used in Cardinal's systems.
This doesn't impact the orderCode that is stored internally, the orderCode that is returned to you, or the orderCode that is visible in the Merchant Admin Interface (MAI).

You should consider providingadditional riskDataas described below to increase your chances of a frictionless flow.

Adding Risk Data

Provide additional information in the <riskData> element to increase the chances that the shopper won't be challenged. <riskData> contains three child elements:

Information about the shopper and how they are authenticating with Worldpay.

The <authenticationRiskData> element contains:

Element	Description	Type
`authenticationTimestamp`	Date and time that you're submitting the authorisation.	WPG XML date/time format: specify sub-attributes `second`, `minute`, `hour`, `dayOfMonth`, `month`, `year`

Attribute	Description	Type
`authenticationMethod`	Length of time that the shopper's has had the account with the merchant.	Possible values: `guestCheckout` - customer has no account (i.e. customer "logged in" as a guest) `localAccount` - you have authenticated the shopper using your own systems `federatedAccount` - you have authenticated the shopper using a Federated ID `fidoAuthenticator` - you have authenticated the shopper using FIDO Authenticator

Information about the shopper's account with you.

The <shopperAccountRiskData> element contains:

Element	Description	Type
`<shopperAccountCreationDate>`	Date that the shopper opened the account with the merchant.	WPG XML date format: specify sub-attributes `dayOfMonth`, `month`, `year`
`<shopperAccountModificationDate>`	Date that the shopper's account with the merchant was last changed, including Billing or Shipping address, new payment account, or new user(s) added.	WPG XML date format: specify sub-attributes `dayOfMonth`, `month`, `year`
`<shopperAccountPasswordChangeDate>`	Date that shopper's account with the merchant had a password change or account reset.	WPG XML date format: specify sub-attributes `dayOfMonth`, `month`, `year`.
`<shopperAccountShippingAddressFirstUseDate>`	Indicates when the shipping address used for the transaction was first used.	WPG XML date format: specify sub-attributes `dayOfMonth`, `month`, `year`.
`<shopperAccountPaymentAccountFirstUseDate>`	Date the payment account was added to the shopper account.	WPG XML date format: specify sub-attributes `dayOfMonth`, `month`, `year`.

Attribute	Description	Type
`transactionsAttemptedLastDay`	Number of transactions (successful and abandoned) for this shopper account with the merchant across all payment accounts in the previous 24 hours.	Integer >=0
`transactionsAttemptedLastYear`	Number of transactions (successful and abandoned) for this shopper account with the merchant across all payment accounts in the previous year.	Integer >=0
`purchasesCompletedLastSixMonths`	Number of purchases with this shopper account during the previous six months.	Integer >=0
`addCardAttemptsLastDay`	Number of Add Card attempts in the last 24 hours.	Integer >=0
`previousSuspiciousActivity`	Indicates whether the merchant has experienced suspicious activity (including previous fraud) on the shopper account.	Boolean (`true` or `false`)
`shippingNameMatchesAccountName`	Indicates if the cardholder name on the account is identical to the shipping name used for this transaction.	Boolean (`true` or `false`)
`shopperAccountAgeIndicator`	Indicates how long the shopper had the account with the merchant.	Possible Values: `noAccount`, `createdDuringTransaction`, `lessThanThirtyDays`, `thirtyToSixtyDays`, `moreThanSixtyDays`
`shopperAccountChangeIndicator`	Length of time since the last change to the shopper's account. This includes billing or shipping address, new payment methods or new users added.	Possible values: `changedDuringTransaction`, `lessThanThirtyDays`, `thirtyToSixtyDays`, `moreThanSixtyDays`
`shopperAccountPasswordChangeIndicator`	Indicates when the shopper's account password was last changed or reset.	Possible Values: `noChange`, `changedDuringTransaction`, `lessThanThirtyDays`, `thirtyToSixtyDays`, `moreThanSixtyDays`
`shopperAccountShippingAddressUsageIndicator`	Indicates when the shipping address was first used.	Possible Values: `thisTransaction`, `lessThanThirtyDays`, `thirtyToSixtyDays`, `moreThanSixtyDays`
`shopperAccountPaymentAccountIndicator`	Indicates when the payment account was first used.	Possibe Values: `noAccount`, `duringTransaction`, `lessThanThirtyDays`, `thirtyToSixtyDays`, `moreThanSixtyDays`

Information about the order.

The <transactionRiskData> element contains:

Element	Description	Type
`<transactionRiskDataGiftCardAmount>`	For prepaid or gift card purchase, the purchase amount total of prepaid or gift card(s) in major units (for example, USD 123.45 is 123	Amount (`value`, `currencyCode`, `exponent`, `<debitCreditIndicator>`)
`<transactionRiskDataPreOrderDate>`	For a pre-ordered purchase, the expected date that the merchandise will be available.	Date

Attribute	Description	Type
`shippingMethod`	Indicates shipping method chosen for the transaction.	Possible Values: `shipToBillingAddress` - Ship to shopper billing address `shipToVerifiedAddress` - Ship to another verified address on file with merchant `shipToOtherAddress` - Ship to address that is different than billing address `shipToStore` - Ship to store (store address should be populated on request) `digital`- Digital goods `unshippedTravelOrEventTickets` - Travel and event tickets, not shipped `other` - Other
`deliveryTimeframe`	Indicates the delivery timeframe.	Possible values: `electronicDelivery` - for goods that are only delivered electronically `sameDayShipping` - for goods shipped the same day `overnightShipping` - for goods shipped overnight `otherShipping` - two-day or more shipping.
`deliveryEmailAddress`	For electronically delivered goods only. Email address to which the merchandise was delivered.	email address
`reorderingPreviousPurchases`	Indicates whether the shopper is reordering previously purchased merchandise.	Boolean (`true` or `false`)
`preOrderPurchase`	Indicates whether shopper is placing an order with a future availability or release date.	Boolean (`true` or `false`)
`giftCardCount`	Total count of individual prepaid gift cards purchased.	Integer >=0

We also we recommend submitting the following additional data fields with HPP payment requests:

Note: Do not include a [<state>] data field unless the billing or shipping address is domiciled within the United States or China. In this case the value is two-characters long as defined in the country subdivision code within the ISO-3611-2 specification. Only provide the two characters after US- or "CN-", for example FL for Florida and BJ for Beijing, etc.

Testing 3DS with HPP

Test card numbers

Use the below values in Card number:

Card type	Test card number
American Express	343434343434343
Diners	36700102000000 and 36148900647913
JCB	3528000700000000
MasterCard	5555555555554444, 5454545454545454 and 2221000000000009
MasterCard Debit	5163613613613613
Visa	4444333322221111, 4911830000000 and 4917610000000000
Visa Debit	4462030000000000 and 4917610000000000003
Visa Electron (UK only)	4917300800000000
Visa Purchasing	4484070000000000

Magic values

Use the below values in Cardholder's name to simulate the different payment outcomes:

Magic value	Scenario simulated	Authentication Outcome	Payment Outcome
3DS_V1_CHALLENGE_IDENTIFIED	Successful challenge	Cardholder authenticated	AUTHORISED
3DS_V1_CHALLENGE_NOT_IDENTIFIED	Successful challenge	Authentication offered but not used	AUTHORISED
3DS_V1_CHALLENGE_VALID_ERROR	Challenge valid error	Authentication attempted but error	AUTHORISED
3DS_V1_NOT_ENROLLED	Card not enrolled in 3DS1	Authentication offered but not used (Non-Amex) None (Amex)	AUTHORISED
3DS_V1_UNKNOWN_ENROLMENT	3DS1 enrolment status unavailable (external/internal error)	Authentication Unavailable	AUTHORISED
3DS_V1_CHALLENGE_UNKNOWN_IDENTITY	Challenge failed	Authentication attempted but failed	REFUSED
3DS_V2_FRICTIONLESS_IDENTIFIED	Frictionless authentication	Cardholder authenticated	AUTHORISED
3DS_V2_FRICTIONLESS_NOT_IDENTIFIED	Frictionless attempted (offered but not used)	Authentication offered but not used	AUTHORISED
3DS_V2_FRICTIONLESS_REJECTED	Frictionless rejected	Authentication rejected	REFUSED
3DS_V2_FRICTIONLESS_VALID_ERROR	3DS2 frictionless authentication unavailable (external/internal error)	Authentication Unavailable	AUTHORISED
3DS_V2_CHALLENGE_IDENTIFIED	Successful challenge	Cardholder authenticated	AUTHORISED
3DS_V2_CHALLENGE_VALID_ERROR	Challenge valid error	Authentication attempted but error	AUTHORISED
3DS_V2_CHALLENGE_UNKNOWN_IDENTITY	Challenge failed	Authentication attempted but failed	REFUSED
3DS_BYPASSED	3DS bypassed	none	AUTHORISED
3DS_BYPASSED_AFTER_CHALLENGE	3DS bypassed after challenge	none	AUTHORISED

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