3D Secure Authenticate

3D Secure Card Challenge Authentication.

If you are an ISO (Independent Sales Organization), you will need to specify a SubClientID (see notes below).




JSON Name Value Required Default Description
3dsID String R 3dsID from 3D Secure Initialize
jwt String R JWT (JSON Web Token) from Challenge

Sample Request:

Pack your Request, the following Samples shown here are unpacked only for human readability:



Status Codes:

Status Code Description
200 OK A Lookup Response is returned.

See Status Codes for other possible Status Codes that might be returned.

Response Data:

JSON Name Value Description Status Code
200 Other
SC Integer
3-digit code
HTTP Status Code O
EC String
1 or 8 characters
Internal Error Code O
EM String Error Message O
actionCode String Result: Action Code
errorNumber String Result: Error Number
errorDescription String Result: Error Description O
3dsVersion String The 3D Secure Version that was used to process this request
processorTransactionID String Processor Transaction Identifier
status String Status
ECI String ECI (Electronic Commerce Indicator)
UCAF String UCAF (Universal Cardholder Authentication Field)
  • Visa uses CAVV (Cardholder Authentication Verification Value)
  • MasterCard uses AAV (Accountholder Authentication Value)
XID String XID (Transaction ID) O

Sample Response:

  "SC": 200,
  "EC": "0",
  "actionCode": "SUCCESS",
  "errorNumber": "0",
  "errorDescription": "Success"
  "3dsVersion": "2.1.0",
  "status": "Y",
  "ECI": "05",
  "UCAF": "1111111111111111111111111111"


For Clients who are an ISO (Independent Sales Organization), to specify your ClientID and a SubClientID, use the underscore character ("_") to separate the two values: <ClientID>_<SubClientID> where:

  • ClientID is your unique 22-character string and
  • SubClientID is an assigned 4, 6 or 8-digit value.

Also please read the 3D Secure FAQ.