• France
status page
Demo shops
assistance
FAQContact support
Search
Categories
Tags
Europe (English)
France
Spain
Europe (English)
India
Homepage
Use cases
Create a payment
Create an installment payment
Create a multi-card (split) payment
Create a payment by Alias (Token)
Create a payment link
Create a recurring payment
Manage subscriptions
Manage your transactions (refund, cancel...)
Analyze your reports
API docs
Embedded Form
REST API
Hosted payment
Mobile payment
File exchange
SDD mandates by REST API
Snippets
Payment methods
Plugins
Marketplace
Guides
Merchant Back Office
Back Office Expert
Functional guides

vads_threeds_mpi

Description

This field indicates the merchant’s desire to challenge the buyer with a strong authentication during a payment. The final decision to perform strong authentication is made by the issuer.

Input field.

Format n1
Error code 50

Possible values

Use case Values Description
CHALLENGE: with cardholder interaction 1 Deprecated.
3 3DS Requestor Preference: Allows to request strong authentication for the transaction.
4 Challenge request mandate: Allows to indicate that, due to regulatory reasons, strong authentication is required for the transaction.
FRICTIONLESS: without cardholder interaction 2*
Allows to Request an exemption from strong authentication:
  • Low value transactions.
  • Transactional Risk Analysis (TRA Acquéreur).
  • LRM (Low Risk Merchant).

More informations: Table of exemptions, below.

No merchant preference 0 or absent or empty The choice of the preference is transferred to the card issuer. If the issuer decides to perform an authentication without interaction (frictionless), the payment will be guaranteed.
5
*Table of exemptions (value number 2):
Exemptions Description
Low value transactions In Europe, you can request an exemption from strong authentication, for transactions of less than €30, and within the limit of either 5 successive operations or a cumulative amount of less than €100.

If the amount is higher than €30, the value transmitted by the merchant is ignored and the choice of the preference is transferred to the card issuer (No Preference).

For payments made in a currency other than euro, a request for frictionless is transmitted to the issuer.

If the frictionless request is accepted, the transaction does not benefit from liability shift dispute by the cardholder..

If the store does not have the “Frictionless 3DS2” option, the choice of the preference is transferred to the card issuer (No Preference).

Transactional Risk Analysis (TRA Acquéreur) If your store has the "TRA Acquirer 3DS2" option, you can ask the issuer for an exemption from strong authentication if the amount is below the threshold set by your financial institution.

If the frictionless request is accepted, the transaction does not benefit from liability shift dispute by the cardholder..

 The “Acquirer 3DS2 TRA" activation option is subject to the prior agreement of your financial institution.
LRM (Low Risk Merchant)
CB offers the LRM (=Low Risk Merchant) program. This program is designed to meet the needs of very low-risk, high-volume merchants. You can request an exemption from strong authentication:
  • If the amount is less than €100, the exemption is systematic for eligible merchants.
  • If the amount is between €100 and €250, an experiment is underway. To qualify, the merchant must :
    • Have a CB contract.
    • Be eligible for TRA acquéreur.
    • Transmit the required values in the 3D Secure flow, according to the rules defined by the platform.

If the frictionless request is accepted, the transaction does not benefit from liability shift dispute by the cardholder..

 

To benefit from CB's LRM program, you must contact sales administration to obtain explicit approval.

Category Authentication of cardholder.
Jobs
Legal
GDPR
25.18-1.11