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Overview

PAYONE build an EMV 3DS Service that does not require merchants to implement any changes to their existing integrations while ensuring full compliance to minimum data requirements for authentication requests as stipulated by the card schemes.

Parameters are already existing our Server-API. Some optional parameters will become mandatory as of January 1, 2021.

All of the mandatory data elements are already available in the PAYONE Server API ((green star)) or they will be handled through the 3DS Service Application ((blue star)). A few parameters that are optional will become required for creditcard transactions to meet EMVCo's requirements ((red star)). Only optional data elements marked with ((star)) have been newly introduced and may require development if deemed necessary.

(Parameters extracted by the 3DS Service do not have to be delivered additionally via Server-API.)


Transactional and Checkout Page Information

Data ElementPAYONE Server API NamePAYONE 3DS ServiceEMVCo - RequiredEMVCo -  OptionalPAYONE Server API RequiredPAYONE Server API Optional
3DS Method Completion Indicator-(blue star)   
3DS Requestor Authentication Indicator-

(blue star)

   
3DS Challenge Indicator-(blue star)   
3DS Requestor ID-(blue star)   
3DS Requestor Name-(blue star)
 
  
3DS Requestor URL

-

(blue star)   
3DS Server Operator ID-(blue star)   
3DS Server Reference Number-(blue star) 
 
3DS Server Transaction ID-(blue star) 
 
3DS Server URL-(blue star)   
3RI Indicator

-

(blue star)   
Account Type-(blue star)   
Acquirer BINwill be set by PAYONE based on merchant's VU Nummer(blue star)   
Acquirer Merchant IDwill be set by PAYONE deducted from merchant's VU Nummer(blue star)   
Address Match Indicatorwill be set by PAYONE as Y, if shipping address equals billing address ; as N otherwise(blue star)   
Broadcast Information-(blue star)   
Browser Accept Headersbrowserinfo_accept_headers(blue star) 
 (star)
Browser IP Addressip(blue star)  (green star)
Browser Java Enabledbrowserinfo_java_enabled(blue star)  (star)
Browser Languagebrowserinfo_language(blue star)  (star)
Browser Screen Color Depthbrowserinfo_color_depth(blue star)  (star)
Browser Screen Heightbrowserinfo_screen_height(blue star)  (star)
Browser Screen Widthbrowserinfo_screen_width(blue star)  (star)
Browser Time Zonebrowserinfo_time_zone_offset(blue star)  (star)
Browser User-Agentbrowserinfo_user_agent(blue star) 
 (star) 
Card/Token Expiry Datecardexpiredate  (green star) 
Cardholder Account Identifieraccountinfo_account_identifier   (green star)
Cardholder Account Numbercardpan (or pseudocardpan)   (green star)
Cardholder Billing Address Citycity  (red star)
Cardholder Billing Address Countrycountry  (red star)
Cardholder Billing Address Line 1street oder streetname+streetnumber  (red star)
Cardholder Billing Address Line 2addressaddition  (red star)
Cardholder Billing Address Line 3addressaddition  (red star)
Cardholder Billing Address Postal Codezip  (red star)
Cardholder Billing Address Statestate  (red star)
Cardholder Email Addressemail  (red star)
Cardholder Home Phone Numbertelephonenumber  ●* (green star)
Cardholder Mobile Phone Numbertelephonenumber  ●* (green star)
Cardholder Work Phone Numbertelephonenumber

●*
(green star)
Cardholder Name

cardholder

If the card holder is not specified the PAYONE platform will use firstname / lastname for card holder or company - if required.

   ((red star))
Cardholder Shipping Address Cityshipping_city  ●* (green star)
Cardholder Address Countryshipping_country  ●* (green star)
Cardholder Shipping Address Line 1 shipping_street oder streetname+streetnumber  ●* (green star)
Cardholder Shipping Address Line 2shipping_addressaddition  ●* (green star)
Cardholder Shipping Address Line 3shipping_addressaddition  ●* (green star)
Cardholder Shipping Address Postal Codeshipping_zip  ●* (green star)
Cardholder Shipping Address Stateshipping_state  ●* (green star)
Cardholder Work Phone Numbertelephonenumber  ●* (green star)
Device Channel-(blue star)   
EMV Payment Token Indicator

-

(blue star)   
Instalment Payment Datanot yet implemented  

 
Merchant Category Codewill be set by PAYONE based on initial setup(blue star)   
Merchant Country Codewill be set by PAYONE based on initial setup(blue star)   
Merchant Namewill be set by PAYONE based on initial setup(blue star)   
Message Category-(blue star)   
Message Extension-(blue star)   
Message Type-(blue star)   
Message Version Number-(blue star)   
Notification URL-(blue star)   
Purchase Amountamount  (green star) 
Purchase Currencycurrency  (green star) 
Purchase Currency Exponentwill currently be set by PAYONE based on currency(blue star)   
Purchase Date & Timewill be set by PAYONE as timestamp of request in UTC  
Transaction Type-  
 

*  A word on shipping address and phone numbers:

The EMVCo Spec declares these parameters as “Required unless market or regional mandate restricts sending this information” or “Required (if available) unless market or regional mandate restricts sending this information”. Since no country in the European Economic Area (EEA) explicitly restricts sending these parameters, they're technically required. However, the Schemes have clarified ACSs must not decline EMV 3DS messages when one or more of these conditional fields are absent.”

This means that shipping address and phone numbers are, in fact, required by the EMVCo Spec. The PAYONE Platform won't however decline the processing of credit card requests without these parameters. Please note that these parameters have a high influence on the internal risk assessment of the issuers.

3DS Requestor Authentication Information

Data ElementPAYONE Server API NamePAYONE 3DS ServiceEMVCo - RequiredEMVCo -  OptionalPAYONE Server API RequiredPAYONE Server API Optional
3DS Requestor Authentication Methodaccountinfo_authentication_method(blue star)

(star)

3DS Requestor Authentication Timestamp

accountinfo_authentication_timestamp(blue star)

(star)

3DS Requestor Authentication Information

Data ElementPAYONE Server API NamePAYONE 3DS ServiceEMVCo - RequiredEMVCo -  OptionalPAYONE Server API RequiredPAYONE Server API Optional

3DS Requestor Prior Transaction Reference

priorauthenticationinfo_reference




(star)

3DS Requestor Prior Transaction Authentication Method

priorauthenticationinfo_method




(star)

3DS Requestor Prior Transaction Authentication Timestamp

priorauthenticationinfo_timestamp




(star)

3DS Requestor Prior Transaction Authentication Data

priorauthenticationinfo_data 




(star)

Merchant Risk Indicator

Data ElementPAYONE Server API NamePAYONE 3DS ServiceEMVCo - RequiredEMVCo -  OptionalPAYONE Server API RequiredPAYONE Server API Optional

Shipping Indicator

merchantriskindicator_shipping_address_indicator




(star)

Delivery Timeframe

merchantriskindicator_delivery_time_frame




(star)

Delivery Email Address

merchantriskindicator_delivery_email




(star)

Reorder Items Indicator

merchantriskindicator_reorder_items_indicator




(star)

Pre-Order Purchase Indicator

merchantriskindicator_pre_order_purchase_indicator




(star)

Pre-Order Date

merchantriskindicator_pre_order_date




(star)

Gift Card Amount

merchantriskindicator_gift_card_amount




(star)

Gift Card Currency

merchantriskindicator_gift_card_curr




(star)

Gift Card Count

merchantriskindicator_gift_card_count




(star)

Cardholder Account Information

Data ElementPAYONE Server API NamePAYONE 3DS ServiceEMVCo - RequiredEMVCo -  OptionalPAYONE Server API RequiredPAYONE Server API Optional

Cardholder Account Age Indicator

accountinfo_account_age_indicator




(star)

Cardholder Account Date

accountinfo_account_change_date




(star)

Cardholder Account Change Indicator

accountinfo_account_change_indicator




(star)

Cardholder Account Change

accountinfo_account_change_date




(star)

Cardholder Account Password Change Indicator

accountinfo_password_change_date_indicator




(star)

Cardholder Account Password Change

accountinfo_password_change_date




(star)

Shipping Address Usage Indicator

accountinfo_ship_address_usage_indicator




(star)

Number of Transactions Day

accountinfo_nbr_transactions_day




(star)

Number of Transactions Year

accountinfo_nbr_transactions_year




(star)

Number of Provisioning Attempts Day

accountinfo_add_card_attempts_day




(star)

Cardholder Account Purchase Count

accountinfo_nbr_of_purchases




(star)

Suspicious Account Activity

accountinfo_suspicious_acc_activity




(star)

Shipping Name Indicator

not implemented yet




(star)

Payment Account Age Indicator

accountinfo_payment_account_age_indicator




(star)

Payment Account Age

accountinfo_payment_account_age




(star)
Cardholder Account Identifieraccountinfo_account_identifier


(star)
Authentication Methodaccountinfo_authentication_method


(star)
Authentication Timestampaccountinfo_authentication_timestamp


(star)
Cardholder Account Dateaccountinfo_account_creation_date


(star)
Shipping Address Usageaccountinfo_ship_address_usage_date


(star)

Reference

For a complete documentation of 3DS related additional parameters, please refer to the separate pages:

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