1.5. Server-to-Server Account Verification
Introduction
Account verification is a non-financial transaction, which allows to validate Payer’s card account information. This verification procedure helps to prevent potential fraudulent activity and meet industry-specific compliance obligations. In this Use-Case, Payer’s cardholder data is transferred directly in initial request from Connecting Party to Payment Gateway.
See terms definitions (Connecting Party, 3DS Method, etc) in Glossary.
Account Verification Flow
(2) To implement account verification request see /api/v2/account-verification/. See 3DS Overview to get more information about 3DS flow. See 3DS Decision Making Schema and 3DS Implementation Scenarios to correctly implement 3DS flow for this Use-Case.
(5) To implement callback with final status handling see Connecting Party Callback.
(7) To implement order status request see /api/v2/status/. Status should be requested multiple times with 3-5 seconds interval until final status will be received in response.
3DS Decision Making Schema
Connecting party has to implement all steps marked in green and purple. Below are the description for steps which reference specific API commands according to the step ID:
(1) To implement order status request see /api/v2/status/. Status should be requested multiple times with 3-5 seconds interval until final status will be received in response.
(4) If html and redirect-to fields are present, see Simplified authentication flow with html page.
(5) The same as point (1).
Note
The 3DS decision making schema is showcasing 3DS being initiated and performed by Payment Gateway. 3DS is initiated by Payment Gateway and performed on Connecting Party side., see 3DS Overview
Non3D Flow
Sale transaction should be considered as non3D (no 3DS authentication) if all conditions are met:
1. steps 1-2-(5)-6 of 3DS decision making schema were followed.
2. tds_status, html and redirect-to parameters were not present.
3. transaction received final status (approved, declined, error, filtered).
Note
Please note that transaction status “unknown” might appear for both 3DS and non3D transactions. See details in Statuses.
Simplified Authentication Flow
(1) and (2) To implement order status request see /api/v2/status/.
(9) To implement final redirect see Final redirect.
(10) The HTML wait page on Connecting Party side can have custom design and should communicate with Connecting Party server as described on the diagram.
(15) and (16) The same as point (1) and (2).