Enabling / Disabling 3D Secure 1

IMPORTANT
This functionality will no longer be available with the implementation of 3DS2.

As of September 2020, issuers can refuse the transaction if 3D Secure authentication has not been performed.

This behavior is called “Soft Decline”.

To reduce the number of rejected payments, the payment gateway automatically makes a new payment attempt with 3D Secure authentication, when possible.

A subscription to Selective 3D Secure option is required for this feature.

In the payment form, the merchant can indicate if he/she wishes to enable or disable the 3D Secure or Safekey authentication.

The merchant will have to implement the criteria of their choice (amount, country, shipping area, etc.) which will allow to determine if the transaction must be subject to 3DS or not.

Use the vads_threeds_mpi field to enable or disable 3D Secure 1.
Value Description
missing or empty

3DS authentication managed by the payment gateway (configuration by the merchant).

0

3DS authentication managed by the payment gateway (configuration by the merchant).

1

3DS authentication completely managed by the merchant on the condition that the vads_card_number field is populated (card data entered by the merchant).

In this case, the data produced by 3D Secure authentication initiated by the MPI must be submitted in specific fields of the form (vads_threeds_enrolled, vads_threeds_cavv, vads_threeds_eci, vads_threeds_xid, vads_threeds_cavvAlgorithm, vads_threeds_status).
2

3DS authentication disabled for the transaction, regardless of the regular merchant configuration.

Example of enabling 3DS depending on the amount:
if (vads_amount < 75,90 EUR){ then vads_threeds_mpi = 2 // 3DS disabled else vads_threeds_mpi = 0 // 3DS enabled }
Example of enabling 3DS depending on the zip code:
if (vads_cust_zip > 92000 ) and (vads_cust_zip < 95000 ){ then vads_threeds_mpi = 0 // 3DS enabled else vads_threeds_mpi = 2 // 3DS disabled }
Example of a payment form with disabled 3DS:
<form method="POST" action="https://secure.lyra.com/vads-payment/">
<input type="hidden" name="vads_action_mode" value="INTERACTIVE" />
<input type="hidden" name="vads_amount" value="4000" />
<input type="hidden" name="vads_capture_delay" value="0" />
<input type="hidden" name="vads_ctx_mode" value="TEST" />
<input type="hidden" name="vads_currency" value="978" />
<input type="hidden" name="vads_page_action" value="PAYMENT" />
<input type="hidden" name="vads_payment_config" value="SINGLE" />
<input type="hidden" name="vads_site_id" value="12345678" />
<input type="hidden" name="vads_threeds_mpi" value="2" />
<input type="hidden" name="vads_trans_date" value="20190627145218" />
<input type="hidden" name="vads_trans_id" value="571381" />
<input type="hidden" name="vads_version" value="V2" />
<input type="hidden" name="signature" value="1Ivhuhh20ETt78SxJDuymDbu+6ZynaJ71JvcJMDeVKM="/>
<input type="submit" name="pay" value="Pay"/>
</form>