3D Secure Payload Response for US Merchants

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This page describes 3D Secure Sales and Auths, but just as an FYI, ConnexPay’s VCCs are exempt from 3D Secure requirements. That means when a client sends our VCC ConnexPay has the ability to ingest 3DSecure data elements for validation during the transaction process.

ConnexPay has partnered with Finaro to offer a 3D Secure solution for our US clients in mid-2023. ConnexPay also has the ability to ingest 3DSecure data elements from an outside vendor, should the client decide to utilize an outside vendor during the transaction process.

For both types of integration, when the 3DSecure data elements are received, they must be passed in the Create Sale API for Sales and in the Auth Only API for Auths. Those data elements then get passed to the Issuer in the Authorization request.

3DSecure implementations with 3DSecure vendors is relatively short and easy with average integrations taking 1-2 days.

3D Secure Payment Process Flow

Development

Sample Request for Visa, American Express and Discover:

Note: 3D Secure for Amex OptBlue is not available.

Accepted Responses for Visa, American Express and Discover:

Sample Request for Mastercard:

Accepted Responses for Mastercard: