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  4. Payments via external MPI

Payments via external MPI

Target most up-to-date API base URL

We encourage you to always target the most up-to-date API base URL when sending requests to our platform. Have a look at our dedicated guides for a full overview:

To allow you a smooth transition, previous API base URLs remain available until further notice.

1. Introduction

Depending on your business model, you might prefer working with an external Merchant Plug-In (MPI) to process 3-D Secure-proof payments.
We have designed our platform in a way that allows you to process the 3-D Secure authentication step with your external MPI and the subsequent payment via our platform

This feature is available for Server-to-server integration mode only.
Make sure to check with your MPI provider that you meet both their technical and security requirements

To do so, add the following nested properties in object  cardPaymentMethodSpecificInput.threeDSecure to a standard CreatePayment request.

Property Description
cavv Required
cavvAlgorithm Only applicable for Carte Bancaire transactions
eci Required
threeDSecureVersion Required
xid -
directoryServerTransactionId Required
schemeRiskScore

Only applicable for Carte Bancaire transactions
acsTransactionId Required
appliedExemption

Only applicable for Carte Bancaire transactions
flow

Required

If left out, our platform will populate this property with frictionless, which we will include in GetPaymentDetails responses.

Therefore, to ensure our platform data matches the actual flow that took place, we strongly recommend sending this property

2. Use test cases

Use this CreatePayment example to perform tests. A typical request / response looks like this: 

Request: 


{
  "cardPaymentMethodSpecificInput": {
    "card": {
      "cvv": "451",
      "cardNumber": "4012005616165343",
      "expiryDate": "1223",
      "cardholderName": "Wile E. Coyote"
    },
    "isRecurring": false,
    "paymentProductId": 1,
    "transactionChannel": "ECOMMERCE",
    "threeDSecure": {
      "externalCardholderAuthenticationData": {
        "cavv" : "AAABBEg0VhI0VniQEjRWAAAAAAA=",
        "cavvAlgorithm" : "X",
         "directoryServerTransactionId" : "f25084f0-5b16-4c0a-ae5d-b24808a95e4b",
        "eci" : "05",
        "threeDSecureVersion" : "2.1.0",
        "acsTransactionId" : "abcdefghijklmnopqrstuvwxyz0123456789",
        "flow" : "challenge"   
    }
    }
  },
  "order": {
    "amountOfMoney": {
      "currencyCode": "EUR",
      "amount": 2980
    },
    "customer": {
      "billingAddress": {
        "countryCode": "NL"
      }
    },
    "references": {
      "merchantOrderId": "123456",
      "merchantReference": "oGPc8xJURfpFitBa6ORrpkBuPoGpvD"
    }
  }
}

Response: 


{
   "creationOutput" : {
      "additionalReference" : "VjM0O0U7BOE3brdOK0Ec",
      "externalReference" : "VjM0O0U7BOE3brdOK0Ecik4VAuJlUJ"
   },
   "payment" : {
      "id" : "000007041700000008210000100001",
      "paymentOutput" : {
         "amountOfMoney" : {
            "amount" : 2980,
            "currencyCode" : "EUR"
         },
         "references" : {
            "merchantOrderId" : "123456",
            "merchantReference" : "VjM0O0U7BOE3brdOK0Ecik4VAuJlUJ",
            "paymentReference" : "0"
         },
         "paymentMethod" : "card",
         "cardPaymentMethodSpecificOutput" : {
            "paymentProductId" : 1,
            "fraudResults" : {
               "fraudServiceResult" : "no-advice",
               "avsResult" : "0",
               "cvvResult" : "0"
            },
            "threeDSecureResults" : {
               "cavv" : "AAABBEg0VhI0VniQEjRWAAAAAAA=",
               "eci" : "05",
               "threeDSecureVersion" : "2.1.0"
            },
            "card" : {
               "cardNumber" : "************5343",
               "expiryDate" : "1223"
            }
         }
      },
      "status" : "PENDING_APPROVAL",
      "statusOutput" : {
         "isCancellable" : true,
         "statusCategory" : "PENDING_MERCHANT",
         "statusCode" : 600,
         "statusCodeChangeDateTime" : "20190708195058",
         "isAuthorized" : true,
         "isRefundable" : false
      }
   }
}