Making a 3D Secure Payment

3D Secure 2.0 lets you authenticate a transaction by having the cardholder verify the payment with their issuing bank. By enabling 3D Secure on a transaction, you're shifting the liability of a chargeback from the merchant to the issuing bank.

Your 3D Secure vendor will generate the values needed to process the 3D secure payment and is passed as part of 3d_secure_authentication.

You can create a 3D secure payment as part of:

3D Secure Authorization

To perform a 3D secure payment with Authorization, create an Authorization and provide the 3d_secure_authentication data:

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curl https://finix.sandbox-payments-api.com/authorizations \
    -H "Content-Type: application/vnd.json+api" \
    -H 'Finix-Version:2022-02-01' \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '
	{
	    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
	    "3d_secure_authentication": {
	        "electronic_commerce_indicator": "AUTHENTICATED",
	        "cardholder_authentication": "BwABBJQ1AgAAAAAgJDUCAAAAAAA=",
	        "transaction_id": "EaOMucALHQqLAEGAgk"
	    },
	    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
	    "tags": {
	        "order_number": "21DFASJSAKAS"
	    },
	    "currency": "USD",
	    "amount": 100
	}'

A successful response returns 201 and the created Authorization.

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{
  "id" : "AU27TBqkcCQn94aSVyTvRyrn",
  "application" : "APgPDQrLD52TYvqazjHJJchM",
  "amount" : 100,
  "tags" : {
    "order_number" : "21DFASJSAKAS"
  },
  "state" : "SUCCEEDED",
  "currency" : "USD",
  "transfer" : null,
  "messages" : [ ],
  "raw" : null,
  "created_at" : "2022-01-27T07:37:19.95Z",
  "updated_at" : "2022-01-27T07:37:20.03Z",
  "trace_id" : "ce97465f-b620-4d98-adba-378756d7013a",
  "source" : "PIe2YvpcjvoVJ6PzoRPBK137",
  "merchant_identity" : "IDuqZpDw28f2KK6YuDk4jNLg",
  "3ds_redirect_url" : null,
  "is_void" : false,
  "void_state" : "UNATTEMPTED",
  "expires_at" : "2022-02-03T07:37:19.95Z",
  "idempotency_id" : null,
  "_links" : {
    "self" : {
      "href" : "https://finix.sandbox-payments-api.com/authorizations/AU27TBqkcCQn94aSVyTvRyrn"
    },
    "application" : {
      "href" : "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "merchant_identity" : {
      "href" : "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
    }
  }
}

You will still need to capture the authorization.

3D Secure Transfer

To perform a 3D secure payment with Transfer, create an Transfer and provide the 3d_secure_authentication data:

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curl https://finix.sandbox-payments-api.com/transfers \
    -H "Content-Type: application/vnd.json+api" \
    -H 'Finix-Version:2022-02-01' \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '
	{
	    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
	    "3d_secure_authentication": {
	        "electronic_commerce_indicator": "AUTHENTICATED",
	        "cardholder_authentication": "BwABBJQ1AgAAAAAgJDUCAAAAAAA=",
	        "transaction_id": "EaOMucALHQqLAEGAgk"
	    },
	    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
	    "tags": {
	        "test": "sale"
	    },
	    "currency": "USD",
	    "amount": 92169
	}'

A successful response returns 201 and the created transfer.

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{
  "id" : "AUgMXXghimoJyWBWhkEBuYgH",
  "application" : "APgPDQrLD52TYvqazjHJJchM",
  "amount" : 92169,
  "tags" : {
    "test" : "sale"
  },
  "state" : "SUCCEEDED",
  "currency" : "USD",
  "transfer" : null,
  "messages" : [ ],
  "raw" : null,
  "created_at" : "2022-01-27T07:37:10.74Z",
  "updated_at" : "2022-01-27T07:37:10.93Z",
  "trace_id" : "3590ead9-f41d-4e79-a574-598544893871",
  "source" : "PIe2YvpcjvoVJ6PzoRPBK137",
  "merchant_identity" : "IDuqZpDw28f2KK6YuDk4jNLg",
  "3ds_redirect_url" : null,
  "is_void" : false,
  "void_state" : "UNATTEMPTED",
  "expires_at" : "2022-02-03T07:37:10.74Z",
  "idempotency_id" : null,
  "_links" : {
    "self" : {
      "href" : "https://finix.sandbox-payments-api.com/authorizations/AUgMXXghimoJyWBWhkEBuYgH"
    },
    "application" : {
      "href" : "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "merchant_identity" : {
      "href" : "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
    }
  }
}