vads_threeds_mpi

Description
This field is taken into account only if the store has the “Selective 3DS1” or “Frictionless 3SD2” option.
  • in 3DS1: Enables/disables the 3DS1 process during an e-commerce payment if the card is not enrolled for 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 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.

  • 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 Management of cardholder authentication delegated to the payment gateway (domain configuration, provider, store).
  • 3DS1: Forced 3DS1 authentication.
  • 3DS2: The gateway sends the NO PREFERENCE value to the issuer.
1 Deprecated.
2
  • 3DS1: Disabled 3DS1 authentication. Requires the “Selective 3DS1” option.

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

  • 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 request for frictionless is accepted by the issuer, the merchant loses the payment guarantee.

    • For payments made in euros, if the amount is greater than €30, the value transmitted by the merchant is ignored and the management of cardholder authentication is delegated to the gateway.

    • 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 value transmitted by the merchant is ignored and the management of cardholder authentication is delegated to the gateway.

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: Allows to indicate to the DS that the merchant does not have a preference. If the issuer decides to perform an authentication without interaction (frictionless), the payment will be guaranteed.
Category Authentication of cardholder.