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Authentication

How to code the various types of authentication we offer:

Jump to reference table.

3D Secure (3DS)

3DS is a three step process that requires you to send us a message, use the response to redirect the shopper to the issuer, and provide us with the authentication result.

We also offer Dynamic 3DS, whereby you can use rules to choose when your shoppers are authenticated.

Step one: collect the order and send the first message

  1. The shopper places an order in your online store.

  2. You send the first message with the order and payment information to Worldpay.

  3. We carry out a verification check to identify if the card is enrolled in the 3DS scheme.

  4. We send a message to you to request payer authentication and the process continues.

Send the first message

You must supply:

  • The id attribute of the <session> element

  • The <acceptHeader> element

  • The <userAgentheader> element

Example first 3DS message

Select

<?xml version="1.0" encoding="UTF-8"?>

<!DOCTYPE paymentService PUBLIC "-//Worldpay//DTD Worldpay PaymentService v1//EN"

  "http://dtd.worldpay.com/paymentService_v1.dtd">

<paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE"> <!--Enter your own merchant code-->

<submit>

  <order orderCode="YOUR_ORDER_CODE"> <!--Enter a unique order code each time-->

    <description>YOUR DESCRIPTION</description>

    <amount value="2000" currencyCode="EUR" exponent="2"/>

    <orderContent>

      <![CDATA[]]>

    </orderContent>

    <paymentDetails>

      <CARD-SSL>

        <cardNumber>4444333322221111</cardNumber>

        <expiryDate>

          <date month="01" year="2020"/>

        </expiryDate>

        <cardHolderName>3D</cardHolderName>

        <cardAddress>

          <address>

            <address1>Worldpay</address1>

            <address2>270-289 The Science Park</address2>

            <address3>Milton Road</address3>

            <postalCode>CB4 0WE</postalCode>

            <city>Cambridge</city>

            <countryCode>GB</countryCode>

          </address>

        </cardAddress>

      </CARD-SSL>

      <session shopperIPAddress="127.0.0.1" id="SESSION_ID"/> <!--Session id must be unique for each order-->

    </paymentDetails>

    <shopper>

      <shopperEmailAddress>jshopper@myprovider.com</shopperEmailAddress>

      <browser>

        <acceptHeader>text/html</acceptHeader>

        <userAgentHeader>Mozilla/5.0 ...</userAgentHeader>

      </browser>

    </shopper>

  </order>

</submit>

</paymentService>

First 3DS message

Step two: use our reply and redirect the shopper

From our reply message, extract the payer authentication response and store the machine cookie. You then redirect the shopper to the issuer site for 3DS authentication and await the authentication result from the issuer.

Our reply to the first message (card enrolled in 3DS)

When we reply your system must extract the machine cookie passed back in the HTTP header of this reply message. You must then return this cookie, and the payer authentication response, in the HTTP header of the second order message.

<?xml version="1.0" encoding="UTF-8"?>

<!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN"

  "http://dtd.worldpay.com/paymentService v1.dtd">

<paymentService version="1.4" merchantCode="ExampleCode1"> <!--The merchantCode you supplied in the order-->

  <reply>

    <orderStatus orderCode="ExampleOrder1"> <!--The orderCode you supplied in the order-->

      <requestInfo>

        <request3DSecure> <!--PaRequest must be supplied as-is. Do not truncate-->

          <paRequest>eJxVUsFuwjAM/ZWK80aSUgpFJogNpHEo2hjTzlVr0Uq0KUkYsK+fUwpl72Q/2y/Jc2B2LvfeD2pTqGraE33e82YStrlGXHxietQoIUZjkh16RUYdQTge8DAII3846kl4n2/wIKFVkCTQ94HdUhrVaZ5UVkKSHl5Wayk6AGs5KFGvFo8lh+eu71qHOjHmpHQmhT8IhuFoDOxOQZWUKL+V3md1cvEWWCqTqxpYw0OqjpXVFzn0aeiWwFHvZW5tPWGsUtqqylilEZjjgXV3fz+6yJDOuchk/DsX8XZ3Wi+WPP6YP2IKzHVAlliUPhchHwnf4+FkGEz8CFjDQ1K6C8jl18YTT5yTD1cCanfO/JoIV3gkgJahsUovMnIvv2eA51pVSB1k/D2GDE0qLRrrkT2o6WxHAOve8vrmtpJasjYgDAg+4baapuDEC7JKRDxs1F0CzI2ydvWs/R4U/fs2f8B1wXg=</paRequest>

          <issuerURL>

            <![CDATA[https://secure-test.worldpay.com/jsp/test/shopper/ThreeDResponseSimulator.jsp]]>

          </issuerURL>

        </request3DSecure>

      </requestInfo>

      <echoData>1374244409987691395</echoData> <!--For compatibility with older integrations - can be ignored-->

    </orderStatus>

  </reply>

</paymentService>

Example reply to first 3DS message (card enrolled)

Card not enrolled reply to the first message

If the card isn't enrolled in 3DS, after receiving an authorisation response from the acquirer (and assuming all other checks passed) we send you the normal AUTHORISED response and the process ends.

Redirect the shopper

When you receive the first reply with the request for 3DS authentication, you must redirect the shopper to the URL of the issuer's 3DS authentication site by generating a self-submitting HTML form using these rules:

  • The method of the form should be POST

  • The form action must contain:

    • The content of the <issuerURL> from our first response

    • A hidden input with the name PaReq. The value for the PaReq input must be the exact data we supplied in the <paRequest> element of our first reply message

    • A hidden input with the name TermUrl, The value for this is a URL pointing to your website. This URL specifies where the shopper will be redirected from the issuer’s 3DS authentication site (and where you'll handle the 3DS response)

  • Optionally, you can also add the MD input. This can:

    • Contain any data, and is supplied in the same form as it is written in the final post (when the shopper is redirected from the issuer's 3DS authentication site to your site)

    • Be used to handle the session state between the original shopping session and the final post after the shopper has been authenticated

Below is an example of one way to include this content. Provided that the shopper has enabled Javascript in the browser, the shopper will automatically be forwarded to the issuer's site. If Javascript has been disabled, the shopper must press the submit button ("Continue" in the below example) to continue.

Example HTML redirect page

Select

<!DOCTYPE html>

<html>

  <head>

    <meta charset="UTF-8">

    <title>Cardholder authentication</title>

  </head>

  <body OnLoad="OnLoadEvent();">

 

  This page should forward you to your own card issuer for identification. If your browser does not start loading the page, press the Continue button.<br/>

  After you successfully identify yourself you will be sent back to this website, where the payment process will continue.<br/>

 

    <form name="form_name" method="post" action="The value of the issuerUrl element">

      <input type="hidden" name="PaReq" value="The value of the paRequest element" />

      <input type="hidden" name="TermUrl" value="Your URL to receive the authentication result" />

      <input type="hidden" name="MD" value="Data for your reference" />

      <input type="submit" value="Continue" />

    </form>

 

    <script>

      function OnLoadEvent(){

        document.form_name.submit();

      }

    </script>

  </body>

</html>

Example HTML redirect page

Step three: use the authentication response and send the second message

You'll receive the authentication response from the issuer. Extract the PaRes and use it to create and send us a second XML message (along with the machine cookie).

Send the second message

You'll receive a HTTP post to your TermUrl which will contain the PaRes and the MD (the authentication response from the issuer).

Extract the PaRes and use it to create and send us the second message, which must contain:

  • The orderCode from the first order message

  • The shopper <session>id from the first order message

  • <info3DSecure> , which in turn contains the 3DS authentication response data (PaRes) received by the shopper and you, from the issuer (placed in the <paResponse>)

  • The (case sensitive) machine cookie extracted from the HTTP header of the initial reply message, placed into the HTTP header of this message

If you don't return the machine cookie in the HTTP header, you'll get an error code 7 - 'Could not find bean(s) in session cache'.

Example second 3DS order

Select

<?xml version="1.0" encoding="UTF-8"?>

<!DOCTYPE paymentService PUBLIC "-//Worldpay//DTD Worldpay PaymentService v1//EN"

  "http://dtd.worldpay.com/paymentService_v1.dtd">

<paymentService version="1.4" merchantCode="YOUR_MERCHANT_CODE">

  <submit>

    <order orderCode="jsxml3792597179"> <!--The order code from the first message-->

      <info3DSecure> <!--PaResponse must be supplied as-is. Do not truncate-->

        <paResponse>eJx9UlFvgjAQft+vILxrQQHBnDUsaMKDxkyW7JXABZsIuBaM+/e7VicuZvte2n739e67a2F5qY/WGaUSbbOw3bFjW9gUbSmaamG/Z+tRaC85ZAeJmOyx6CVy2KBSeYWWKOmGF/hR6LmzwA9dm8MufkP1HBkrUTVYkuBWi1Op8QTYz5GSyuKQNx2HvPh8TbfcHQDsxkGNMk0eQxqjQXeNAxuy7Xq9U2T7Ikqexn9iAUwroMw75BPHDZzA9S0nmnvRfBoAMzycdLq4bnvK7ToOsEcCaD6SxvfFo1kI7H4CvJzaBklBHd/3wAZvu3jLPcKUMCFcu9EsZB8cOlE/efKmwAwPqsu7XvE0WW2zdJ2uEmA3Cor8fOabf5s2EsBCcMcnd7SaW/GxaqXoDrX2/JsApj0x89Qc9vSyVEwiM3M3X0NLHr/MyzdYf7wy</paResponse>

      </info3DSecure>

      <session id="ssn792597179"/> <!--The session id in the first message-->

    </order>

  </submit>

</paymentService>

Example second 3DS order

Second 3DS order reply message

The second response returns a status of either:

  • AUTHORISED - Shopper was authenticated, we obtained authorisation from the issuer, and all other checks (such as Risk Management Module) have passed

  • REFUSED - Either the shopper failed to authenticate themselves, the issuer has declined the transaction, or the Risk Management Module prevented the authorisation (in which case the <ISO8583ReturnCode> will indicate FRAUD_SUSPICION)

  • CANCELLED - The Risk Management Module settings stopped the transaction (threshold exceeded).

  • ERROR - Typically this will be a '7 - could not find beans' error (explained below)

Example AUTHORISED reply to second 3DS message

<?xml version="1.0" encoding="UTF-8"?>

<!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN"

  "http://dtd.worldpay.com/paymentService_v1.dtd">

<paymentService version="1.4" merchantCode="ExampleCode1"> <!--The merchantCode you supplied in the order-->

  <reply>

    <orderStatus orderCode="ExampleOrder1"> <!--The orderCode you supplied in the order-->

      <payment>

        <paymentMethod>VISA-SSL</paymentMethod>

        <paymentMethodDetail> <!--Not returned by default - contact us to enable-->

          <card number="444433******1111" type="creditcard">

            <expiryDate> <!--Not returned by default - contact us to enable-->

              <date month="01" year="2020"/>

            </expiryDate>

          </card>

        </paymentMethodDetail>

        <amount value="2000" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/>

        <lastEvent>AUTHORISED</lastEvent>

        <AuthorisationId id="666"/>

        <CVCResultCode description="A"/>

        <AVSResultCode description="A"/>

        <AAVAddressResultCode description="B"/>

        <AAVPostCodeResultCode description="B"/>

        <AAVCardholderNameResultCode description="B"/>

        <AAVTelephoneResultCode description="B"/>

        <AAVEmailResultCode description="B"/>

        <ThreeDSecureResult description="Cardholder authenticated">

          <eci>05</eci> <!--Not returned by default - contact us to enable-->

          <cavv>MAAAAAAAAAAAAAAAAAAAAAAAAAA=</cavv> <!--Not returned by default - contact us to enable-->

        </ThreeDSecureResult>

        <cardHolderName>

          <!CDATA[3D]]>

        </cardHolderName>

        <issuerCountryCode>N/A</issuerCountryCode>

        <balance accountType="IN_PROCESS_AUTHORISED">

          <amount value="2600" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/>

        </balance>

        <riskScore value="2"/>

      </payment>

    </orderStatus>

  </reply>

</paymentService>

AUTHORISED reply from Worldpay

Test values

ECI response codes

If you have contacted us to display these in your XML, these are the Electronic Commerce Indicator values returned from the schemes to indicate the 3DS authentication result:

Visa/Amex/JCB MasterCard Description
05 02 Cardholder and issuing bank are 3D Secure. 3DS Authentication successful
06 01 Either cardholder or issuing bank not registered for 3DS
07 00 Cardholder and issuing bank not registered for 3DS

Address Verification Service (AVS) and Card Verification Code (CVC)

  • AVS checks are done on the <cardAddress>.

  • The <cvc> holds the three (or four) digit number on the back of a card.

<CARD-SSL>

  <cardNumber>4444333322221111</cardNumber>

  <expiryDate>

    <date month="01" year="2020"/>

  </expiryDate>

  <cardHolderName>J. Shopper</cardHolderName>

  <cvc>123</cvc>

  <cardAddress>

    <address>

      <address1>47A</address1>

      <postalCode>CB94BQ</postalCode>

      <city>Cambridge</city>

      <countryCode>GB</countryCode>

    </address>

  </cardAddress>

</CARD-SSL>

Position of cvc element

The information is returned with AUTHORISED, CANCELLED and REFUSED status responses.

Test values

AVS response codes

Code Description
A Postcode and address matched
B Postcode matched; address not checked
C Postcode matched; address not matched
D Address matched; postcode not checked
E Postcode and address not checked
F Address matched; postcode not matched
G Postcode not checked; address not matched
H Postcode and address not supplied by shopper/you
I Address not checked; postcode not matched
J Postcode and address not matched

CVV/CVC response codes

Code Description
A CVV/CVC matched
B CVV/CVC not supplied by shopper/you
C CVV/CVC not checked
D CVV/CVC not matched

American Express Advanced Verification (AAV)

This can be used to further validate the identity of the cardholder.

When a shopper uses an Amex card to make a purchase:

  1. The AAV service checks the cardholder name, telephone number and email address that the shopper enters against the details held by American Express.

  2. American Express sends the result of these checks (where applicable) to Worldpay.

Using AAV

To use AAV checks, you must:

  • Configure your system to receive the new values generated by the checks in your XML response

  • Ensure that you capture the cardholder name, email address and telephone number on your payment pages

  • Send the data required by the AAV service as part of your authorisation request

Configure your system to receive AAV data

You receive AAV data as a security-level single character value. The AAV single character values returned are:

Value

Description

A

Data matched.
The data entered by the shopper matches the data held by American Express for the Amex card.

B

Data not checked.
American Express has not checked the data (either the cardholder name, telephone number or email address).

C

Data not supplied.
The data (either the cardholder name, telephone number or email address) was not received by American Express. The shopper may not have entered the data.

D

Data not matched.
The data (either the cardholder name, telephone number or email address) entered by the shopper does not match the data held by American Express for the Amex card.

Example response with AAV data

<?xml version="1.0" encoding="UTF-8"?>

<!DOCTYPE paymentService PUBLIC "-//Worldpay//DTD Worldpay PaymentService v1//EN"

  "http://dtd.worldpay.com/paymentService_v1.dtd">

<paymentService version="1.4" merchantCode="ExampleCode1"> <!--The merchantCode you supplied in the order-->

  <reply>

    <orderStatus orderCode="ExampleOrder1"> <!--The orderCode you supplied in the order-->

      <payment>

        <paymentMethod>AMEX-SSL</paymentMethod>

        <amount value="2000" currencyCode="GBP" exponent="2" debitCreditIndicator="credit"/>

        <lastEvent>AUTHORISED</lastEvent>

        <AuthorisationId id="622206"/>

        <CVCResultCode description="A"/>

        <AVSResultCode description="A"/>

        <AAVAddressResultCode description="A"/>

        <AAVPostcodeResultCode description="A"/>

        <AAVCardholderNameResultCode description="A"/>

        <AAVTelephoneResultCode description="A"/>

        <AAVEmailResultCode description="A"/>

        <cardHolderName>

          <![CDATA[J shopper]]>

        </cardHolderName>

        <issuerCountryCode>GB</issuerCountryCode>

        <balance accountType="IN_PROCESS_AUTHORISED">

          <amount value="2000" currencyCode="GBP" exponent="2" debitCreditIndicator="credit"/>

        </balance>

        <cardNumber>3742*******0001</cardNumber>

        <riskScore value="21"/>

      </payment>

    </orderStatus>

  </reply>

</paymentService>

Payment response with AVV result

Test values

XML reference

Elements/attributes

M/O

Description

<acceptHeader> Mandatory Must contain exactly the same content as the HTTP accept header that was sent to you by the shopper’s user agent.
<userAgentHeader> Mandatory Must contain exactly the same content as the HTTP user-agent header that was sent to you by the shopper’s user agent.

<paRequest>

    PaReq    

Mandatory Payer authentication request received from the 3D Security Directory. This data must be supplied as-is in the redirect message to the issuer’s 3DS authentication page - must not be truncated.

<paRequest>

    TermURL    

Mandatory The URL where the 3DS result will be returned to.

<paRequest>

    MD    

Optional Merchant data – data provided by you. Can be used to tie up the response to the order in your system.

<issuerURL>

Mandatory The URL where you must post the 3DS data to. This will redirect the shopper.

<echoData>

Optional

Used for compatibility with older integrations of 3DS. You won't need to return this element in your second request message.

<paResponse> Mandatory The 3DS authentication response data. You must include all content of the paResponse element - do not truncate this data.

<amount>

    debitCreditIndicator

Mandatory

Indicates that the amount is positive (“credit").

<paymentMethodDetail> Mandatory Returns the obfuscated card number and the card type. You can also enable the return of the card <expiryDate>. Contact us to enable these.
<ISO8583ReturnCode> Optional The issuer response (extended decline) code. Returned for the status of CANCELLED (by RMM), REFERRED or REFUSED. Described in Useful tables.

<CVCResultCode>

    description

Optional The meaning of the results are described in CVV/CVC response codes
<AVSResultCode>

    description

Optional The meaning of the results are described in AVS response codes
<AAVAddressResultCode>

    description

Optional The meaning of the results are described in Configure your system to receive AAV data
<AAVPostcodeResultCode>

    description

Optional The meaning of the results are described in Configure your system to receive AAV data
<AAVCardholderNameResultCode>

    description

Optional The meaning of the results are described in Configure your system to receive AAV data
<AAVTelephoneResultCode>

    description

Optional The meaning of the results are described in Configure your system to receive AAV data
<AAVEmailResultCode

    description

Optional The meaning of the results are described in Configure your system to receive AAV data

<ThreeDSecureResult>

   description

Mandatory The result of the 3DS check.
<eci> Optional Electronic Commerce Indicator. Checked, but not returned by default. Contact us to see these values.
<cavv> Optional Cardholder Authentication Verification Value. Checked, but not returned by default. Contact us to see these values.

riskScore

    value

Mandatory Shows the score that the Risk Management Module assigned to the authorisation request, if you have it.

To understand Dynamic 3D Secure, see the Dynamic 3D Secure guide

To create order modifications, click here

To add airline data, click here