vads_threeds_mpi

Description
  • in 3DS1: Enables/disables the 3DS1 process during an e-commerce payment if the card is not enrolled in 3DS2 or if an error prevents 3DS2 authentication.
    IMPORTANT
    This feature will become obsolete as soon as the 3DS1 version is no longer supported by the networks.

    As of October 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.

  • in 3DS2: 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.

Notes for the advanced risk assessment users:

The value transmitted in the payment request has priority over the decisions of the risk assessment module.

Input field.

Format n1
Error code 50

Possible values

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.
Category Authentication of cardholder.