Transmitting merchant preferences

IMPORTANT
This functionality will only be available once 3DS2 has been enabled for your MID.

Use the vads_threeds_mpi field to transmit your preferences:
Value Description
missing or empty or 0
  • 3DS1: Forced 3DS1 authentication.
  • 3DS2: The choice of the preference is transferred to the card issuer (No Preference).
1 Deprecated.
2
  • 3DS1: Disabled 3DS1 authentication. Requires the “Selective 3DS1” option.

    By using this value, you expose yourself to “Soft decline” refusals.

    If the store does not have the “Selective 3DS1” function, 3DS1 authentication is forced.

  • 3DS2: Allows to request authentication without interaction (frictionless). Requires the “Frictionless 3DS2” option.
    • For payments made in euro, if the amount is lower than €30, a request for frictionless is transmitted to the DS. If the frictionless request is accepted by the issuer, the transaction does not benefit from liability shift to the issuer in case of chargeback.

    • For payments made in euro, 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 DS.

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

3
  • 3DS1: Forced 3DS1 authentication.
  • 3DS2: CHALLENGE REQUESTED: 3DS Requestor Preference. Allows to request strong authentication for the transaction.
4
  • 3DS1: Forced 3DS1 authentication.
  • 3DS2: CHALLENGE REQUESTED: mandate. Allows to indicate that, due to regulatory reasons, strong authentication is required for the transaction.
5
  • 3DS1: Forced 3DS1 authentication.
  • 3DS2: NO PREFERENCE: 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.