3-D Secure is a set of protocols that enables card issuing banks to validate that cardholders are who they say they are, to reduce fraud in Card-Not-Present transactions. Each card network (Visa, Mastercard, American Express, Discover, and JCB) has their own version of 3-D Secure.

Pay’nUp integrate Consumer Authentication (3D Secure) as additional security layer for online credit and debit card transactions.

Check if your store require secure payments

Before submit a payment must verify if your store require secure payments otherwise all payments will be denied with error 2502 Consumer Authentication Failed

Use the following query to verify:

query storeInfo {
  storeInfo {
    consumerAuthentication
  }
}

{
  "data": {
    "storeInfo": {
      "consumerAuthentication": "CONSUMER_AUTH_REDIRECTION"
    }
  }
}

The result of consumerAuthentication can be one of the following:

• NONE - Consumer Authentication is not enabled.
• CONSUMER_AUTH_REDIRECT - Use 3D Secure consumer authentication with bank site redirection.
• CARDINAL_COMMERCE - Customer Authentication is enabled using Cardinal Consumer Authentication

Consumer authentication can work in two different ways, using a Token or using a Redirection.

• Redirection - The client submit the transaction and Pay’nUp return a redirectUrl to complete the Bank authorization process (see Redirection)
  • CONSUMER_AUTH_REDIRECT
• Token - The client must be authorized in the bank before submit the transaction and the token generated must be send along with the transaction using the consumerAuthToken parameter.
  • CARDINAL_COMMERCE