Payment process
Initialization of the payment session
This use case requires the creation of aformTokenvia a call to theCharge/CreateTokenWeb Service.
POSThttps://api.lyra.com/api-payment/V4/Charge/CreateToken
No specific fields are necessary in order to benefit from the 3D Secure protection.
Under PSD2, strong authentication is required when registering a card.
The fieldstrongAuthenticationis ignored and a strong authentication request is automatically made.
Response analysis
At the end of the operation, the gateway returns a Payment object to the notification URL of the merchant website and to the JavaScript client.
Here is a list of attributes describing the cardholder authentication result according to the use case:
| Use case | Returned fields |
|---|
| Transaction with successful strong authentication | - authenticationResponse.value.status=SUCCESS : Successful authentication.
- authenticationResponse.value.authenticationType=CHALLENGE(Value returned in 3DS1 and 3DS2).
- authenticationResponse.value.commerceIndicator=5(Visa or AMEX) or02(MasterCard).
- authenticationResponse.value.extension.authenticationType=THREEDS_V1orTHREEDS_V2.
- transactionDetails.liabilityShift=YES : The payment is guaranteed.
- transactions.effectiveStrongAuthentication=ENABLED : The cardholder has successfully authenticated.
|
| Transaction with frictionless authentication successfully completed, the merchant has the “Frictionless 3DS2” option and has requested authentication without cardholder interaction. | authenticationResponse.value.status=SUCCESS : Successful authentication. authenticationResponse.value.authenticationType=FRICTIONLESS. - authenticationResponse.value.commerceIndicator=5(Visa or AMEX) or 02 (MasterCard).
- authenticationResponse.value.extension.authenticationType=THREEDS_V2.
transactionDetails.liabilityShift=NO : The payment is not guaranteed. transactions.effectiveStrongAuthentication=ENABLED : The cardholder has successfully authenticated.
|
| Transaction with frictionless authentication successfully completed, the merchant has not requested authentication without cardholder interaction. | authenticationResponse.value.status=SUCCESS : Successful authentication. authenticationResponse.value.authenticationType=FRICTIONLESS. - authenticationResponse.value.commerceIndicator=5(Visa or AMEX) or 02 (MasterCard).
- authenticationResponse.value.extension.authenticationType=THREEDS_V2.
transactionDetails.liabilityShift=YES : The payment is guaranteed. - transactions.effectiveStrongAuthentication=ENABLED : The cardholder has successfully authenticated.
|
| Transaction with failed 3D Secure authentication | authenticationResponse.value.status=FAILED : Authentication error. authenticationResponse.value.authenticationType=CHALLENGE. - authenticationResponse.value.commerceIndicator= null
- authenticationResponse.value.extension.authenticationType=THREEDS_V1orTHREEDS_V2.
- authenticationResponse.value.reason.code=CARD_AUTHENTICATION_FAILED : Refusal of the authentication by the issuer.
transactionDetails.liabilityShift= null: The payment is not guaranteed. transactions.effectiveStrongAuthentication=DISABLED : Cardholder authentication failed.
|
| Card not enrolled. | authenticationResponse.value.status=NOT_ENROLLED : Cardholder not enrolled. authenticationResponse.value.authenticationType= null - authenticationResponse.value.commerceIndicator= null
- authenticationResponse.value.extension.authenticationType=THREEDS_V1.
transactionDetails.liabilityShift=NO : The payment is not guaranteed. - transactions.effectiveStrongAuthentication=DISABLED : Cardholder authentication failed.
|
