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3DS2 - Card not enrolled

To test this scenario, use one of the card numbers below:

CARD Expiry date Label
4970115000001028 To be chosen VISA
5340000000000008 To be chosen MASTERCARD
378283000000003 To be chosen AMEX

Exchange flow

1. Call to the PCI/Charge/CreatePayment service with a 3DS2 non-enrolled card.

{
  "amount": "9990",
  "currency": "EUR",
  "orderId": "myOrderId-448631",
  "formAction": "PAYMENT",    
  "paymentForm": {
    "paymentMethodType": "CARD",
    "expiryMonth": "11",
    "expiryYear": "27",    
    "pan": "4970115000001028",
    "securityCode":"123"
  },
  "customer":{
      "email":"sample@example.com"
  },
  "authenticationDetails": {
    "protocol": {
      "name": "THREEDS",
      "version": "2",
      "directoryServer": "VISA"
    },
    "status": "NOT_ENROLLED"    
  }  
}

2. Return from the payment gateway server with the final payment result (cardholder not enrolled).

{
  "webService":"PCI/Charge/CreatePayment",
  "version":"V4",
  "applicationVersion":"5.36.0",
  "status":"SUCCESS",
  "answer":{
    "shopId":"12345678",
    "orderCycle":"CLOSED",
    "orderStatus":"PAID",
    "serverDate":"2022-06-01T09:10:36+00:00",
    "orderDetails":{
      "orderTotalAmount":9990,
      "orderEffectiveAmount":9990,
      "orderCurrency":"EUR",
      "mode":"TEST",
      "orderId":"myOrderId-448631",
      "metadata":null,
      "_type":"V4/OrderDetails"
    },
    "customer":{
      "billingDetails":{
        "address":null,
        "category":null,
        "cellPhoneNumber":null,
        "city":null,
        "country":null,
        "district":null,
        "firstName":null,
        "identityCode":null,
        "identityType":null,
        "language":"FR",
        "lastName":null,
        "phoneNumber":null,
        "state":null,
        "streetNumber":null,
        "title":null,
        "zipCode":null,
        "legalName":null,
        "_type":"V4/Customer/BillingDetails"
      },
      "email":"sample@example.net",
      "reference":null,
      "shippingDetails":{
        "address":null,
        "address2":null,
        "category":null,
        "city":null,
        "country":null,
        "deliveryCompanyName":null,
        "district":null,
        "firstName":null,
        "identityCode":null,
        "lastName":null,
        "legalName":null,
        "phoneNumber":null,
        "shippingMethod":null,
        "shippingSpeed":null,
        "state":null,
        "streetNumber":null,
        "zipCode":null,
        "_type":"V4/Customer/ShippingDetails"
      },
      "extraDetails":{
        "browserAccept":null,
        "fingerPrintId":null,
        "ipAddress":"163.116.174.29",
        "browserUserAgent":null,
        "_type":"V4/Customer/ExtraDetails"
      },
      "shoppingCart":{
        "insuranceAmount":null,
        "shippingAmount":null,
        "taxAmount":null,
        "cartItemInfo":null,
        "_type":"V4/Customer/ShoppingCart"
      },
      "_type":"V4/Customer/Customer"
    },
    "transactions":[
      {
        "shopId":"12345678",
        "uuid":"8175124e1e98469a8ad2823763f900ea",
        "amount":9990,
        "currency":"EUR",
        "paymentMethodType":"CARD",
        "paymentMethodToken":null,
        "status":"PAID",
        "detailedStatus":"AUTHORISED",
        "operationType":"DEBIT",
        "effectiveStrongAuthentication":"DISABLED",
        "creationDate":"2022-06-01T09:10:33+00:00",
        "errorCode":null,
        "errorMessage":null,
        "detailedErrorCode":null,
        "detailedErrorMessage":null,
        "metadata":null,
        "transactionDetails":{
          "liabilityShift":"NO",
          "effectiveAmount":9990,
          "effectiveCurrency":"EUR",
          "creationContext":"CHARGE",
          "cardDetails":{
            "paymentSource":"EC",
            "manualValidation":"NO",
            "expectedCaptureDate":"2022-06-01T09:10:33+00:00",
            "effectiveBrand":"VISA",
            "pan":"497011XXXXXX1028",
            "expiryMonth":11,
            "expiryYear":2027,
            "country":"FR",
            "issuerCode":null,
            "issuerName":"Banque de démo et de l'innovation",
            "effectiveProductCode":"F",
            "legacyTransId":"945874",
            "legacyTransDate":"2022-06-01T09:10:33+00:00",
            "paymentMethodSource":"NEW",
            "authorizationResponse":{
              "amount":9990,
              "currency":"EUR",
              "authorizationDate":"2022-06-01T09:10:33+00:00",
              "authorizationNumber":"3fe8e4",
              "authorizationResult":"0",
              "authorizationMode":"FULL",
              "_type":"V4/PaymentMethod/Details/Cards/CardAuthorizationResponse"
            },
            "captureResponse":{
              "refundAmount":null,
              "refundCurrency":null,
              "captureDate":null,
              "captureFileNumber":null,
              "effectiveRefundAmount":null,
              "effectiveRefundCurrency":null,
              "_type":"V4/PaymentMethod/Details/Cards/CardCaptureResponse"
            },
            "threeDSResponse":{
              "authenticationResultData":{
                "transactionCondition":null,
                "enrolled":null,
                "status":null,
                "eci":null,
                "xid":null,
                "cavvAlgorithm":null,
                "cavv":null,
                "signValid":null,
                "brand":null,
                "_type":"V4/PaymentMethod/Details/Cards/CardAuthenticationResponse"
              },
              "_type":"V4/PaymentMethod/Details/Cards/ThreeDSResponse"
            },
            "authenticationResponse":{
              "id":"55b22a69-7256-4a4a-90da-f0295b42b5f1",
              "operationSessionId":"49dcd458a81c4770bf01e0f2b3b068f6",
              "protocol":{
                "name":"THREEDS",
                "version":"2",
                "network":"VISA",
                "challengePreference":"NO_PREFERENCE",
                "simulation":false,
                "_type":"V4/Charge/Authenticate/Protocol"
              },
              "value":{
                "authenticationId":{
                  "authenticationIdType":"xid",
                  "_type":"V4/Charge/Authenticate/AuthenticationId"
                },
                "status":"NOT_ENROLLED",
                "extension":{
                  "authenticationType":"THREEDS_V2",
                  "paymentUseCase":"SINGLE_PAYMENT",
                  "_type":"V4/Charge/Authenticate/AuthenticationResultExtensionThreedsV2"
                },
                "_type":"V4/Charge/Authenticate/AuthenticationResult"
              },
              "_type":"V4/AuthenticationResponseData"
            },
            "installmentNumber":null,
            "installmentCode":null,
            "markAuthorizationResponse":{
              "amount":null,
              "currency":null,
              "authorizationDate":null,
              "authorizationNumber":null,
              "authorizationResult":null,
              "_type":"V4/PaymentMethod/Details/Cards/MarkAuthorizationResponse"
            },
            "cardHolderName":null,
            "identityDocumentNumber":null,
            "identityDocumentType":null,
            "initialIssuerTransactionIdentifier":null,
            "productCategory":null,
            "nature":null,
            "_type":"V4/PaymentMethod/Details/CardDetails"
          },          
          "acquirerDetails":null,
          "fraudManagement":{
            "riskControl":[],
            "riskAnalysis":[],
            "_type":"V4/PaymentMethod/Details/FraudManagement"
          },
          "subscriptionDetails":{
            "subscriptionId":null,
            "_type":"V4/PaymentMethod/Details/SubscriptionDetails"
          },
          "parentTransactionUuid":null,
          "mid":"9876357",
          "sequenceNumber":1,
          "taxAmount":null,
          "preTaxAmount":null,
          "taxRate":null,
          "externalTransactionId":null,
          "nsu":null,
          "tid":"001",
          "acquirerNetwork":"CB",
          "taxRefundAmount":null,
          "userInfo":null,
          "paymentMethodTokenPreviouslyRegistered":null,
          "occurrenceType":"UNITAIRE",
          "_type":"V4/TransactionDetails"
        },
        "_type":"V4/PaymentTransaction"
      }
    ],
    "subMerchantDetails":null,
    "_type":"V4/Payment"
  },
  "ticket":"574a28dc78d64e1a9bfb5c4022a3621b",
  "serverDate":"2022-06-01T09:10:36+00:00",
  "applicationProvider":"",
  "metadata":null,
  "mode":"TEST",
  "serverUrl":"",
  "_type":"V4/WebService/Response"
}
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