Definition

A Mastercard Identity Check transaction is downgraded to a non-Identity Check transaction if an Accountholder Authentication Value (AAV) or UCAF is not present or is invalid when providing 3DS payload to TabaPay in the Create Transaction API. The result of this downgrade is provided in the UCAF Collection Downgrade Indicator

Value	Description
0	Missing Universal Cardholder Authentication Field (UCAF)
1	Invalid Universal Cardholder Authentication Field (UCAF)
2	Invalid Security Level Indicator (SLI). If you receive this code, please let TabaPay know via [email protected]

Where to Find UCAF

UCAF Collection Downgrade Indicator is specific to transactions performed using an authenticated MasterCard payment credential.

Benefits and How to Use UCAF

Upon receiving a UCAF Collection Indicator, TabaPay Clients can utilize the table below to understand whether the transaction is protected or not.

The results not only indicate the performance of the current transaction in question, but will help merchants fine tune their risk decisioning upstream for future transactions.