Important

We have released a new version. Documentation for our latest version can be found here.

Last Updated: 08 October 2024 | Change Log

Authentication

POST your authentication request to the 3ds:authenticate action link. Your authentication request sends order and risk data used to decide if a challenge is required.

Warning

You should only request the authentication API from your backend system, not call it directly from the mobile application using the Access credentials.

Authentication example request

Note

You must use v2 and later of the API for the Android/iOS SDK

POST https://try.access.worldpay.com/verifications/customers/3ds/authentication

Authentication request body:

{
  "transactionReference": "unique-transactionReference",
  "merchant": {
    "entity": "default"
  },
  "instruction": {
    "paymentInstrument": {
      "type": "card/front",
      "cardHolderName": "Sherlock Holmes",
      "cardNumber": "4444333322221111",
      "cardExpiryDate": {
        "month": 5,
        "year": 2035
      },
      "billingAddress": {
        "address1": "Worldpay",
        "address2": "1 Milton Road",
        "address3": "The Science Park",
        "postalCode": "CB4 0WE",
        "city": "Cambridge",
        "countryCode": "GB"
      }
    },
    "value": {
      "currency": "GBP",
      "amount": 250
    }
  },
  "deviceData": {
    "collectionReference": "0_3XXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXX6b5",
    "acceptHeader": "text/html",
    "userAgentHeader": "Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47.0)"
  },
  "challenge": {
    "returnUrl": "http://returnUrl.example.com"
  }
}

How much data to provide

The device data and values in the authentication request are used by the issuer to decide if the transaction is likely to be fraudulent. How this data is interpreted varies by issuer. Supplying more data increases the chances of the outcome being frictionless (without a challenge. Some issuers mmay fail the authentication entirely without the recommended fields.

paymentInstrument.billingAddress - including sub values
deviceData.browserScreenHeight - EMVco Required
deviceData.browserScreenWidth - EMVco Required
deviceData.ipAddress - EMVco Required
paymentInstrument.cardHolderName - EMVco Required
riskData.account.email - one of either account.email or transaction.phoneNumber
riskData.transaction.phoneNumber - one of either account.email or transaction.phoneNumber

For details see the tables below where they are clearly marked as EMVco Required or EMVco Recommended

Important

The issuer prioritizes device data collection values for risk analysis over the browser language and IP address details. We recommend you still include these details. In case of unsuccessful device data collection, the authentication may fail if you do not include them.

Parameter Descriptions

Parameter	Mandatory	Description
`transactionReference`	✅	A unique reference for authentication. for example, e-commerce order code.
`merchant.entity`	✅	Used to route the authentication request in Access Worldpay, created as part of on-boarding.
`instruction`	✅	The object that contains all the payment information related to the authentication request.
`instruction.paymentInstrument`	✅	An object that contains the card details or token location.
`paymentInstrument.type`	✅	An identifier for the `paymentInstrument` being used. `type` : `card/front` See authentication (card) above `type` : `card/tokenized` See authentication (token) above `type` : `card/networkToken` See assessment (network token) above
`paymentInstrument.cardHolderName`	EMVco Required	The name on your customer's card. This is not a mandatory field, however we recommend that you supply this to improve authentication rates.
`paymentInstrument.billingAddress`	EMVco Recommended	An object containing the billing address information. If included you must send at least: `address1` `city` `countryCode` `postalCode` State - should only be provided following the ISO-3611-2 two-character sub division e.g."CA" for California). We recommend you provide this for US addresses
`deviceData.acceptHeader`	✅	Used by the issuer to check if the customer's browser is compatible with the issuer challenge display.
`deviceData.userAgentHeader`	✅	Used by issuers as part of risk analysis and correctly displaying the challenge. Must conform to RFC 7321 E.g. `Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47.0)`
`deviceData.collectionReference`	❌	For web this is the `session Id` in the postMessage response from the Device Data Collection form For iOS/Android SDK this is the `consumerSessionId` returned as part of SDK and Device data initialization We recommend you send this, to increase chances of a frictionless flow.
`deviceData.browserLanguage`	❌	Your customer's browser language that can be used by the issuer in risk analysis. Must conform to the language tags defined by IETF. E.g. en-GB, fr-FR
`deviceData.ipAddress`	EMVco Required	A unique identifier for your customer's physical location that can be used by the issuer in risk analysis. Must be in IPv4 format. E.g. 192.0.0.0
`deviceData.browserJavaEnabled`	❌	Defines whether Java is enabled on your customers browser
`deviceData.browserJavascriptEnabled`	❌	Defines whether Javascript is enabled on your customers browser
`deviceData.browserColorDepth`	❌	The color depth of your customers browser `1` - 1 bit `4` - 4 bits `8` - 8 bits `15` - 15 bits `16` - 16 bits `24` - 24 bits `32` - 32 bits `48` - 48 bits
`deviceData.browserScreenHeight`	EMVco Required	Defines the pixel height of the customers browser
`deviceData.browserScreenWidth`	EMVco Required	Defines the pixel width of the customers browser
`deviceData.timeZone`	❌	Time zone offset in minutes between UTC and your customer's browser local time. Example time zone offset values in minutes: If UTC -5 hours: 300 +300 If UTC +5 hours: -300
`challenge.windowSize`	❌	Specify the challenge window size (width x height) that the issuer should use. This is to better tailor the experience to the customers device. `250x400` `390x400` (default) `600x400` `500x600` `fullpage` - expand to fill viewport Note The 3DS1 specification default is 390x400 but we recommend a minimum of 400x500 as not all issuers conform strictly.
`challenge.preference`	❌	`noPreference` - default `noChallengeRequested` - prefer no challenge performed `challengeRequested` - prefer challenge is performed `challengeMandated` - local or region mandates meaning a challenge must be performed Important You must use `challengeMandated` when first storing cards in general (e.g. first payment where a token is stored or independently "adding a card" to an account). You should use `challengeMandated` in the authentication request as part of the first CIT payment in an MIT series or when using the Checkout SDK to take payments. The interpretation of this field varies from issuer to issuer, so Worldpay cannot guarantee any particular behavior on their part as a result of you setting this field.
`challenge.returnUrl`	✅	Once the customer completes the challenge page the issuer will redirect/post to the `returnUrl` in order for you to resume the session. It must be the full URL path.

Note

Optional fields in an Authentication request

Optional fields

Complete Authentication request schema

Full Authentication request body:

{
  "transactionReference": "Memory265-13/08/1876",
  "merchant": {
    "entity": "default"
  },
  "instruction": {
    "paymentInstrument": {
      "type": "card/front",
      "cardHolderName": "Sherlock Holmes",
      "cardNumber": "4444333322221111",
      "cardExpiryDate": {
        "month": 5,
        "year": 2035
      },
      "billingAddress": {
        "address1": "221B Baker Street",
        "address2": "Marylebone",
        "address3": "Westminster",
        "postalCode": "NW1 6XE",
        "city": "London",
        "countryCode": "GB"
      }
    },
    "value": {
      "currency": "GBP",
      "amount": 250
    }
  },
  "deviceData": {
    "collectionReference": "0_3XXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXX6b5",
    "acceptHeader": "text/html",
    "userAgentHeader": "Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47.0)",
    "browserLanguage": "en-GB",
    "ipAddress": "192.0.0.0"
  },
  "challenge": {
    "windowSize": "600x400",
    "preference": "noPreference",
    "returnUrl": "http://returnUrl.example.com"
  },
  "riskData": {
    "account": {
      "previousSuspiciousActivity": false,
      "type": "registeredUser",
      "email": "test@test.com",
      "history": {
        "createdAt": "2019-11-18",
        "modifiedAt": "2019-11-18",
        "passwordModifiedAt": "2019-10-15",
        "paymentAccountEnrolledAt": "2019-11-18"
      }
    },
    "transaction": {
      "reorder": true,
      "preOrderDate": "2019-11-18",
      "firstName": "Sherlock",
      "lastName": "Holmes",
      "phoneNumber": "00000000000",
      "history": {
        "attemptsLastDay": 2,
        "attemptsLastYear": 6,
        "completedLastSixMonths": 6,
        "addCardsLastDay": 5,
        "shippingAddressFirstUsedAt": "2018-09-18"
      },
      "giftCardsPurchase": {
        "totalValue": {
          "currency": "GBP",
          "amount": 10
        },
        "quantity": 4
      }
    },
    "shipping": {
      "nameMatchesAccountName": false,
      "method": "verifiedAddress",
      "timeFrame": "nextDay",
      "email": "sherlock.holmes@example.com",
      "address": {
        "address1": "Disneyland",
        "address2": "Disneyland Drive",
        "address3": "Adventure Park",
        "postalCode": "DL1 2CA",
        "city": "Anaheim",
        "stateCode": "CA",
        "countryCode": "GB",
        "phoneNumber": "01911234321"
      }
    }
  }
}

Risk data

To reduce the chance of a challenged outcome we recommend that you include additional riskData in your authentication request.

The additional riskData is used by your customer's card issuer. It decides if your authentication request requires a challenge or can be authenticated successfully without a challenge (also known as frictionless authentication).

Note

Recommended values for a frictionless authentication are marked in the tables below and may become mandatory in future versions of the API.

There are three riskData objects you can include in your request:

Account

Descriptions of your additional Account riskData parameters:

Parameter	Mandatory	Description
`account`	❌	Object containing all customer account related risk data.
`account.previousSuspiciousActivity`	❌	true false
`account.type`	❌	`guestUser` - Order placed without full merchant account registration (no password) `registeredUser`- Order placed with full merchant account registration (password entered) `federatedAccount` - Using a Federated ID `issuerCredentials`- Using issuer credentials `thirdPartyAuthentication` - Using third party authentication `fidoAuthenticator` - FIDO authentication standard
`account.email`	EMVco Required	The customer's email address. We recommend you provide at least one of either `transaction.phoneNumber` or `account.email`.
`account.history.createdAt`	❌	When the account was created.
`account.history.modifiedAt`	❌	When the account was last modified.
`account.history.passwordModifiedAt`	❌	When the account password was last changed.
`account.history.paymentAccountEnrolledAt`	❌	Date the payment account was added to the cardholder account.

Transaction

Descriptions of your additional Transaction riskData parameters:

Parameter	Mandatory	Description
`transaction`	❌	Object containing all customer transaction related risk data.
`transaction.reorder`	❌	Repeat of a previous order : true false
`transaction.preOrderDate`	❌	Expected date that a pre-ordered purchase will be available.
`transaction.firstName`	❌	Customer's first name.
`transaction.lastName`	❌	Customer's last name.
`transaction.phoneNumber`	EMVco Required	Customer's phone number. We recommend you provide at least one of either `transaction.phoneNumber` or `account.email`.
`transaction.history`	❌	Object containing details of the last transaction.
`history.attemptsLastDay`	❌	Number of transactions (successful or abandoned) for this cardholder account within the last 24 hours.
`history.attemptsLastYear`	❌	Number of transactions (successful or abandoned) for this cardholder account within the last year.
`history.completedLastSixMonths`	❌	Number of purchases with this cardholder account during the previous six months.
`history.addCardsLastDay`	❌	Number of attempts to add a card in the last 24hrs.
`history.shippingAddressFirstUsedAt`	❌	When the shipping address used for the transaction was first used.
`transaction.giftCardsPurchase`	❌	If the order is being used to purchase a gift card.
`giftCardsPurchase.totalValue.currency`	❌	The 3 digit currency code. See list of supported currencies. If provided must include `totalValue.amount`.
`giftCardsPurchase.totalValue.amount`	❌	The amount being placed on the gift card. If provided must include `totalValue.currency`.
`giftCardsPurchase.quantity`	❌	The number of gift cards being purchased.

Shipping

Descriptions of your additional Shipping riskData parameters:

Parameter	Mandatory	Description
`shipping`	❌	Object containing all data related to how the order will be shipped.
`shipping.nameMatchesAccountName`	❌	Cardholder name on account is identical to the shipping name: true false
`shipping.method`	❌	`billingAddress` - Ship to customers billing address `verifiedAddress`- Ship to another verified address on file with merchant `otherAddress`- Ship to address that is different than billing address `store` - Ship to store (store address should be populated on request) `digital` - Digital goods `unshippedTickets` - Travel and event tickets, not shipped `other` - Other
`shipping.timeFrame`	❌	`electronic` `sameDay` `nextDay` `twoDaysPlus`
`shipping.email`	❌	The email address used for an electronic delivery.
`shipping.address`	❌	An object containing the shippping address information. If included, you must send at least: `address1` `city` `countryCode` `postalCode`

Authentication responses

The response contains the outcome of your authentication request.

{
    "outcome": "authenticated",
    "transactionReference": "unique-transactionReference",
    "authentication": {
        "version": "2.1.0",
        "authenticationValue": "MAAAAAAAAAAAAAAAAAAAAAAAAAA=",
        "eci": "05",
        "transactionId": "c5b808e7-1de1-4069-a17b-f70d3b3b1645"
    }
}

Parameter	Description
`outcome`	The outcome of your authentication request. `authenticated` - Successful frictionless authentication. `authenticationFailed` - Your customer could not be authenticated successfully. `challenged` - Authentication details should not be trusted. Challenge required. `notEnrolled` - Issuer not enrolled for 3DS. `unavailable` - Authentication unavailable. `bypassed` - 3DS check is bypassed. Returned if 3DS premium is enabled or when there is a timeout connecting to the 3DS directory server. To understand more about the `outcomes` and how to reproduce them, see 3DS testing.
`challenge.reference`	This links the authentication response to the subsequent challenge form and verification request.
`challenge.url`	POST action on the challenge form. Used to redirect to the issuers challenge page as part of the challenge form. Warning Do not use the `challengeUrl` as the source(src) in the iframe.
`challenge.jwt`	A digitally signed token that contains additional details, such as the URL to return to after the challenge screen. Expires in 10 minutes for both Try and Production.
`challenge.payload`	JSON container with extra data required for the challenge. Note This is only for use with the native mobile App SDK's. It is not required for the web integration.
`authentication.version`	The version of 3DS used to process the transaction. Note Required for Mastercard's Identity Check transactions in Authorization.
`authentication.authenticationValue`	A cryptographic value that provides evidence of the outcome of a 3DS verification. Visa - Cardholder Authentication Verification Value (CAVV) Mastercard - Universal Cardholder Authentication Field (UCAF) Used when authorizing a payment.
`authentication.eci`	Electronic Commerce Indicator (ECI). Indicates the outcome of the 3DS authentication. 02 or 05 - Fully Authenticated Transaction 01 or 06 - Attempted Authentication Transaction 00 or 07 - Non 3-D Secure Transaction Mastercard - 02, 01, 00 Visa - 05, 06, 07 Amex - 05, 06, 07 JCB - 05, 06, 07 Diners - 05, 06, 07 You will need to use this when you are authorizing a payment.
`authentication.transactionId`	A transaction identifier. If provided, you should use it as part of your payment authorization. If the `authentication.version` has a major version of: `1` - value returned known as `xid` `2` - value returned known as `dsTransactionId`
`authentication.cryptogramAlgorithm`	Indicates the algorithm used to generate the cryptogram. Returned for Cartes Bancaires authentications only and must be applied in the following authorization request.
`authentication.challengePreference`	Indicates the preferred challenge behavior. Returned for Cartes Bancaires authentications only and must be applied in the following authorization request. noPrefrence noChallengeRequested challengeRequested challengeMandated
`authentication.authenticationFlow`	`challenge` - Your customer was redirected to their bank to complete authentication `frictionless` - Your customer completed authentication without needing to be redirected to their bank Returned for Cartes Bancaires authentications only and must be applied in the following authorization.
`authentication.statusReason`	Provides further information relating to the outcome of the authentication. Returned for failed authentications only. Returned for Cartes Bancaires authentications only.
`authentication.cancellationIndicator`	An indicator as to why the authentication was cancelled. Returned for Cartes Bancaires authentications only. - `01` - Cardholder selected cancel - `02` - Reserved for future use - `03` - Authentication timed out - `04` & `05` - Authentication timed out at ACS provider - `06` - Transaction error - `07` - Unknown - `08` - Transaction timed out at SDK
`authentication.networkScore`	The global score calculated by the Cartes Bancaires scoring platform. Returned for Cartes Bancaires authentications only.
`authentication.brand`	The card brand used in the authentication. Returned for Cartes Bancaires authentications only and must be applied in the following authorization.

Note

In case of an error, you can get further information in our error reference.

Next steps

Challenge
Take a payment

Authentication

Authentication example request

How much data to provide

Optional data we recommend including as a minimum:

Parameter Descriptions

Optional fields in an Authentication request

Complete Authentication request schema

Risk data

Authentication responses

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