The 3RI with EMV® 3DS Additional Test Case guide explores alternative authentication options outside the typical testing scenarios which require a more tailored approach. These test cases can vary by card brand/scheme, and it is important to note that you should work with your account representative at Cardinal Commerce prior to proceeding.

Table of Contents

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Test Case 1: Recurring Payments - Fixed Amount

1a. Initial/First Recurring Transaction

Scenario

Merchant is initiating a 3RI Recurring transaction that is a fixed amount for a set or of no established expiry (Subscription purchases).

Cardinal Scenario Recommendation

Step 1: Merchant initiates transaction in the amount of $50.00 USD (Currency can be modified to the merchant's currency support if it is not in USD)

Step 2: Pass AuthenticationIndicator as 02 for Recurring Transaction

Step 3: Set RecurringEnd to 12 months in the future and RecurringFrequency for 30 (Days)

Authentication Experience

Challenged

Test Values

EXP Date: 01/****

Mastercard PAN:
2.2.0: 5200000000002805

Required Fields - Lookup Request (cmpi_lookup)

Message Category = 01 (PA)

Code Block

language	xml

<MessageCategory>01</MessageCategory>

Device Channel = APP (01), BROWSER (02)

Code Block

language	xml

<DeviceChannel>02</DeviceChannel>

ChallengeIndicator = 04 - Challenge requested (Mandated)

Code Block

language	xml

<ChallengeIndicator>04</ChallengeIndicator>

AuthenticationIndicator = 02 - Recurring transaction

Code Block

language	xml

<AuthenticationIndicator>02</AuthenticationIndicator>

PurchaseDate =

Format: YYYYMMDDHHMMSS

Code Block

language	xml

<PurchaseDate>20200405112438</PurchaseDate>

RecurringFrequency =

Example values accepted (31 days):

31
031
0031

Code Block

language	xml

<RecurringFrequency>31</RecurringFrequency>

RecurringEnd =

Format: YYYYMMDD

Note: It is recommended not to exceed 12 months from PurchaseDate for recurring expiry

Code Block

language	xml

<RecurringEnd>20210121</RecurringEnd>

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml

<PAResStatus>C</PAResStatus>

Cavv = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = 00

Code Block

language	xml

<EciFlag>00</EciFlag>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 07

Code Block

language	xml

<EciFlag>07</EciFlag>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Card Network & Version Specifications

Visa Secure 2.1

Not Supported

Visa Secure 2.2

Not Applicable

Mastercard Identity Check 2.1

For Mastercard Identity Check 2.1, 3RI is not supported for Payment Authentication (PA). Due to this, only the initial transaction is supported for Recurring Payments.

If you attempt to run a Device Channel of 3RI within Mastercard Identity Check 2.1, you will receive a transStatusReason=21 (3RI Transaction not Supported). In this case, you will also receive a transaction status of “U” rather than “Y”.

Mastercard Identity Check 2.2

EMV® 3DS 2.2 supports 3RI payments and this allows the subsequent recurring transactions to be submitted to authentication. ^

^ via Mastercard Identity Check Program Guide. 19 November 2019.

Additional Information

Visa Secure

N/A

Mastercard Identity Check

Mastercard has allocated a new ECI value, ECI 07, for 3RI transactions. This will be present on a Mastercard response message for this particular 3RI scenario.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Version>1.7</Version>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<TransactionType>C</TransactionType>
	<OrderNumber>12345678</OrderNumber>
	<Amount>94160</Amount>
	<CurrencyCode>840</CurrencyCode>
	<CardNumber>520000******2805</CardNumber>
	<CardExpMonth>01</CardExpMonth>
	<CardExpYear>2023</CardExpYear>
	<BillingFirstName>John</BillingFirstName>
	<BillingMiddleName>S</BillingMiddleName>
	<BillingLastName>Smith</BillingLastName>
	<BillingAddress1>1600 Pennsylvania Blvd.</BillingAddress1>
	<BillingAddress2/>
	<BillingPhone>555-555-5555</BillingPhone>
	<BillingCity>Washington</BillingCity>
	<BillingState>DC</BillingState>
	<BillingPostalCode>10123</BillingPostalCode>
	<BillingCountryCode>US</BillingCountryCode>
	<ShippingFirstName>John</ShippingFirstName>
	<ShippingLastName>Smith</ShippingLastName>
	<ShippingAddress1>1600 Pennsylvania Blvd.</ShippingAddress1>
	<ShippingAddress2/>
	<ShippingPhone>555-555-5555</ShippingPhone>
	<ShippingCity>Washington</ShippingCity>
	<ShippingState>DC</ShippingState>
	<ShippingPostalCode>10123</ShippingPostalCode>
	<ShippingCountryCode>US</ShippingCountryCode>
	<Item_Name_1>CC Car A</Item_Name_1>
	<Item_Desc_1>Model Aqua</Item_Desc_1>
	<Item_Price_1>10000</Item_Price_1>
	<Item_Quantity_1>1</Item_Quantity_1>
	<Item_SKU_1>8675309</Item_SKU_1>
	<PurchaseDate>20200405112438</PurchaseDate>
	<CategoryCode>01</CategoryCode>
	<MessageCategory>01</MessageCategory>
	<BrowserLanguage>English</BrowserLanguage>
	<BrowserColorDepth>500</BrowserColorDepth>
	<BrowserScreenHeight>980</BrowserScreenHeight>
	<BrowserScreenWidth>1080</BrowserScreenWidth>
	<BrowserTimeZone>-1:00</BrowserTimeZone>
	<BrowserJavaEnabled>true</BrowserJavaEnabled>
	<IPAddress>127.0.0.1</IPAddress>
	<UserAgent>Jakarta Commons-HttpClient/3.1</UserAgent>
	<DeviceChannel>02</DeviceChannel>
	<ChallengeIndicator>04</ChallengeIndicator>
	<AuthenticationIndicator>02</AuthenticationIndicator>
	<RecurringEnd>20190121</RecurringEnd>
	<RecurringFrequency>30</RecurringFrequency>
	<CategoryCode>1234</CategoryCode>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8</BrowserHeader>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml

<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>IZBMo3zIjEPsnNCcGgN0</TransactionId>
    <Payload></Payload>
    <ErrorDesc></ErrorDesc>
    <Cavv/>
    <PAResStatus>C</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>2cf308bf-86fc-4bee-816a-cd38909d0d92</ACSTransactionId>
    <EciFlag>00</EciFlag>
    <ACSUrl></ACSUrl>
    <ThreeDSServerTransactionId>db6e6faf-f7bb-40a1-8c9c-caaad3782458</ThreeDSServerTransactionId>
    <CardBin>520000</CardBin>
    <CardBrand>MASTERCARD</CardBrand>
    <Amount>94160</Amount>
    <DSTransactionId>1c59a512-ab4f-4370-af97-4cfe69b7276e</DSTransactionId>
    <ThreeDSVersion>2.2.0</ThreeDSVersion>
    <CurrencyCode>840</CurrencyCode>
    <OrderId>8000038870456384</OrderId>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Sample Authenticate Request Message

Code Block

language	xml

<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<TransactionId>{{TRANSACTION_ID}}</TransactionId>
	<OrderId>{{ORDER_ID}}</OrderId>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block

language	xml

<CardinalMPI>
    <CardBin>520000</CardBin>
    <ThreeDSVersion>2.2.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc />
    <ThreeDSServerTransactionId>c5045efa-1d2c-411f-a605-687bfd1460dd</ThreeDSServerTransactionId>
    <Cavv>MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=</Cavv>
    <Amount>12367</Amount>
    <ErrorNo>0</ErrorNo>
    <EciFlag>02</EciFlag>
    <TransactionId>ADF7ZctbyCVa0xKcivw0</TransactionId>
    <CurrencyCode>840</CurrencyCode>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>03</AuthenticationType>
    <CardBrand>MC</CardBrand>
    <PAResStatus>Y</PAResStatus>
</CardinalMPI>

1b. Recurring Payments - Subsequent Transaction (Mastercard)

Scenario

Merchant is running a subsequent 3RI recurring transaction that is a fixed amount for a set or of no established expiry (e.g., subscription purchases).

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Mastercard PAN:
2.2.0: 5200000000002235

Info
NOTE: Normally, merchants would use the same PAN as indicated in Test Case 1a. Initial/First Recurring Transaction. At this time, this functionality is not supported in our test environment.

Required Fields - Lookup Request (cmpi_lookup)

Message Category = 01 (PA)

Code Block

language	xml

<MessageCategory>01</MessageCategory>

Device Channel = 3RI (03)

Code Block

language	xml

<DeviceChannel>3RI</DeviceChannel>

Alternate Prior Authentication Data = DSTransactionId from initial transaction (available on Lookup Response)

Code Block

language	xml

<AlternatePriorAuthenticationData>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</AlternatePriorAuthenticationData>

Note: The presence of DS transaction ID in the AlternatePriorAuthenticationData field is a requirement for 3RI payment transactions for recurring payments.

AuthenticationIndicator = 03 -Installment transaction

Code Block

language	xml

<AuthenticationIndicator>02</AuthenticationIndicator>

ThreeRIIndicator = 01 - Recurring transaction

Code Block

language	xml

<ThreeRIIndicator>01</ThreeRIIndicator>

PurchaseDate =

Format: YYYYMMDDHHMMSS

Code Block

language	xml

<PurchaseDate>20230405112438</PurchaseDate>

RecurringFrequency =

Example values accepted (31 days):

31
031
0031

Code Block

language	xml

<RecurringFrequency>31</RecurringFrequency>

RecurringEnd =

Format: YYYYMMDD

Note: It is recommended not to exceed 12 months from PurchaseDate for recurring expiry

Code Block

language	xml

<RecurringEnd>20240121</RecurringEnd>

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 07

Code Block
<EciFlag>07</EciFlag>

Info
Please note that the ECI flag currently being returned is 02. However, in a Production environment, merchants should anticipate receiving an ECI flag of 07.

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Additional Information

Mastercard Identity Check

Mastercard has allocated a new ECI value, ECI 07, for 3RI transactions. This will be present on a Mastercard response message for this particular 3RI scenario.

Sample Messages

Sample Lookup Message

Code Block

language	xml

<CardinalMPI>
  <MsgType>cmpi_lookup</MsgType>
  <Version>1.7</Version>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <Algorithm>SHA-512</Algorithm>
  <Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
  <OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
  <Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
  <Timestamp>{{TIMESTAMP}}</Timestamp>
  <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
  <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
  <TransactionType>C</TransactionType>
  <Amount>94160</Amount>
  <CurrencyCode>840</CurrencyCode>
  <CardExpMonth>06</CardExpMonth>
  <CardExpYear>2022</CardExpYear>
  <BillingFirstName>Harry</BillingFirstName>
  <BillingMiddleName>S</BillingMiddleName>
  <BillingLastName>Truman</BillingLastName>
  <BillingAddress1>8100 Tyler Blvd</BillingAddress1>
  <BillingAddress2 />
  <BillingCity>Mentor</BillingCity>
  <BillingCountryCode>US</BillingCountryCode>
  <BillingPostalCode>10123</BillingPostalCode>
  <CategoryCode>0123</CategoryCode>
  <DeviceChannel>3RI</DeviceChannel>
  <ThreeRIIndicator>01</ThreeRIIndicator>
  <RecurringFrequency>31</RecurringFrequency>
  <RecurringEnd>20220907</RecurringEnd>
  <AuthenticationIndicator>02</AuthenticationIndicator>
  <AlternatePriorAuthenticationData>d1734c35-0663-4138-b472-dd6272aa8f77</AlternatePriorAuthenticationData>
</CardinalMPI>

Sample Response Message

Code Block

language	xml

<CardinalMPI>
  <ACSOperatorID>MerchantACS</ACSOperatorID>
  <ErrorDesc></ErrorDesc>
  <ACSUrl></ACSUrl>
  <Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
  <ErrorNo>0</ErrorNo>
  <EciFlag>07</EciFlag>
  <Enrolled>Y</Enrolled>
  <CurrencyCode>840</CurrencyCode>
  <DSTransactionId>c340528c-1c03-4964-9a32-b9907bb5e048</DSTransactionId>
  <OrderId>8010394438358853</OrderId>
  <CardBrand>MASTERCARD</CardBrand>
  <PAResStatus>Y</PAResStatus>
  <CardBin>520000</CardBin>
  <SignatureVerification>Y</SignatureVerification>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <ThreeDSServerTransactionId>558dccac-45b1-4be4-9949-50a5ee2ec572</ThreeDSServerTransactionId>
  <Amount>94160</Amount>
  <ChallengeRequired></ChallengeRequired>
  <TransactionId>KN3bdqXoE0ZjIptkL9H0</TransactionId>
  <ACSTransactionId>9331946b-7d0a-4df7-8988-1c94b625e552</ACSTransactionId>
  <ACSReferenceNumber>Cardinal ACS</ACSReferenceNumber>
</CardinalMPI>

Test Case 2: Installment

2a. Installment - Customer Initiated Transaction (Mastercard)

Scenario

SubsequesAn initial authentication for the total amount that the installments will amount to. Once this initial authentication is completed by the customer the subsequent installments will not require authentication and instead will jump right to authorization, per MasterCard’s preferred process.

Authentication Experience

Merchant Customer Initiated Frictionless Challenge Transaction

Test Values

EXP Date: 01/****

PAN: Mastercard PAN: 5200000000002805

Required Fields - Lookup Request (cmpi_lookup)

Message Category = 01 (PA)

Code Block

language	xml

<MessageCategory>01</MessageCategory>

Device Channel = APP (01), BROWSER (02)

Code Block

language	xml

<DeviceChannel>02</DeviceChannel>

ChallengeIndicator = 04 - Challenge requested (Madated)

Code Block

language	xml

<ChallengeIndicator>04</ChallengeIndicator>

AuthenticationIndicator = 03 - Installment Transaction

Code Block

language	xml

<AuthenticationIndicator>02</AuthenticationIndicator>

PurchaseDate =

Format: YYYYMMDDHHMMSS

Code Block

language	xml

<PurchaseDate>20200405112438</PurchaseDate>

RecurringFrequency =

Example values accepted (31 days):

31
031
0031

Code Block

language	xml

<RecurringFrequency>31</RecurringFrequency>

RecurringEnd =

Format: YYYYMMDD

Note: It is recommended not to exceed 12 months from PurchaseDate for recurring expiry

Code Block

language	xml

<RecurringEnd>20210121</RecurringEnd>

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 00

Code Block

language	xml

<EciFlag>00</EciFlag>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 02

Code Block

language	xml

<EciFlag>02</EciFlag>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Additional Information

Mastercard Identity Check

Mastercard has allocated a new ECI value, ECI 07, for 3RI transactions. This will be present on a Mastercard response message for this particular 3RI scenario.

Info
NOTE: DS Txn ID for the initial transaction is always reference in the subsequent recurring transactions.

Info
NOTE: The AAV & DS Txn ID for each authentication is unique and only usable one time. Each authorization requires a new AAV & DS Transaction ID which will need to be received from a 3RI PA or 3RI IDCI.

Sample cmpi_Lookup Request

Code Block

language	xml

<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Version>1.7</Version>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<TransactionType>C</TransactionType>
	<OrderNumber>12345678</OrderNumber>
	<Amount>94160</Amount>
	<CurrencyCode>840</CurrencyCode>
	<CardNumber>520000******2805</CardNumber>
	<CardExpMonth>01</CardExpMonth>
	<CardExpYear>2023</CardExpYear>
	<BillingFirstName>John</BillingFirstName>
	<BillingMiddleName>S</BillingMiddleName>
	<BillingLastName>Smith</BillingLastName>
	<BillingAddress1>1600 Pennsylvania Blvd.</BillingAddress1>
	<BillingAddress2/>
	<BillingPhone>555-555-5555</BillingPhone>
	<BillingCity>Washington</BillingCity>
	<BillingState>DC</BillingState>
	<BillingPostalCode>10123</BillingPostalCode>
	<BillingCountryCode>US</BillingCountryCode>
	<ShippingFirstName>John</ShippingFirstName>
	<ShippingLastName>Smith</ShippingLastName>
	<ShippingAddress1>1600 Pennsylvania Blvd.</ShippingAddress1>
	<ShippingAddress2/>
	<ShippingPhone>555-555-5555</ShippingPhone>
	<ShippingCity>Washington</ShippingCity>
	<ShippingState>DC</ShippingState>
	<ShippingPostalCode>10123</ShippingPostalCode>
	<ShippingCountryCode>US</ShippingCountryCode>
	<Item_Name_1>CC Car A</Item_Name_1>
	<Item_Desc_1>Model Aqua</Item_Desc_1>
	<Item_Price_1>10000</Item_Price_1>
	<Item_Quantity_1>1</Item_Quantity_1>
	<Item_SKU_1>8675309</Item_SKU_1>
	<PurchaseDate>20200405112438</PurchaseDate>
	<CategoryCode>01</CategoryCode>
	<MessageCategory>01</MessageCategory>
	<BrowserLanguage>English</BrowserLanguage>
	<BrowserColorDepth>500</BrowserColorDepth>
	<BrowserScreenHeight>980</BrowserScreenHeight>
	<BrowserScreenWidth>1080</BrowserScreenWidth>
	<BrowserTimeZone>-1:00</BrowserTimeZone>
	<BrowserJavaEnabled>true</BrowserJavaEnabled>
	<IPAddress>127.0.0.1</IPAddress>
	<UserAgent>Jakarta Commons-HttpClient/3.1</UserAgent>
	<DeviceChannel>02</DeviceChannel>
	<ChallengeIndicator>04</ChallengeIndicator>
	<AuthenticationIndicator>03</AuthenticationIndicator>
	<RecurringEnd>20190121</RecurringEnd>
	<RecurringFrequency>31</RecurringFrequency>
	<CategoryCode>1234</CategoryCode>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8</BrowserHeader>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml

<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>IZBMo3zIjEPsnNCcGgN0</TransactionId>
    <Payload></Payload>
    <ErrorDesc></ErrorDesc>
    <Cavv/>
    <PAResStatus>Y</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>2cf308bf-86fc-4bee-816a-cd38909d0d92</ACSTransactionId>
    <EciFlag>00</EciFlag>
    <ACSUrl></ACSUrl>
    <ThreeDSServerTransactionId>db6e6faf-f7bb-40a1-8c9c-caaad3782458</ThreeDSServerTransactionId>
    <CardBin>520000</CardBin>
    <CardBrand>MC</CardBrand>
    <Amount>94160</Amount>
    <DSTransactionId>1c59a512-ab4f-4370-af97-4cfe69b7276e</DSTransactionId>
    <ThreeDSVersion>2.2.0</ThreeDSVersion>
    <CurrencyCode>840</CurrencyCode>
    <OrderId>8000038870456384</OrderId>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Sample Authenticate Request Message

Code Block

language	xml

<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<TransactionId>{{TRANSACTION_ID}}</TransactionId>
	<OrderId>{{ORDER_ID}}</OrderId>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block

language	xml

<CardinalMPI>
    <CardBin>520000</CardBin>
    <ThreeDSVersion>2.2.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc />
    <ThreeDSServerTransactionId>c5045efa-1d2c-411f-a605-687bfd1460dd</ThreeDSServerTransactionId>
    <Cavv>MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=</Cavv>
    <Amount>12367</Amount>
    <ErrorNo>0</ErrorNo>
    <EciFlag>02</EciFlag>
    <TransactionId>ADF7ZctbyCVa0xKcivw0</TransactionId>
    <CurrencyCode>840</CurrencyCode>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>03</AuthenticationType>
    <CardBrand>MC</CardBrand>
    <PAResStatus>Y</PAResStatus>
</CardinalMPI>

Test Case 3: Split/Delayed or Partial Shipment (3RI)

3a. Split/Partial Shipment (Mastercard)

Scenario

A purchase includes multiple items that are made available to the consumer at different periods. For example, an order contains backordered or preordered items.

Note: During the initial purchase, an authentication should be completed using the full amount total (including products not yet to be shipped).

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Mastercard PAN:
2.2.0: 5200000000002235

Required Fields - Lookup Request (cmpi_lookup)

Message Category = 01 (PA)

Code Block

language	xml

<MessageCategory>01</MessageCategory>

Device Channel = 3RI (03)

Code Block

language	xml

<DeviceChannel>3RI</DeviceChannel>

AuthenticationIndicator = 02 (Recurring transaction)

Code Block

language	xml

<AuthenticationIndicator>02</AuthenticationIndicator>

ThreeRIIndicator = 06 (Split/Delayed Shipment)

Code Block

language	xml

<ThreeRIIndicator>06</ThreeRIIndicator>

Alternate Prior Authentication Data = DSTransactionId from initial transaction (available on Lookup Response)

Code Block

language	xml

<AlternatePriorAuthenticationData>dsTransID:7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</AlternatePriorAuthenticationData>

Alternate Prior Authentication Time = Date and time in UTC of the prior cardholder authentication.

Format: YYYYMMDDHHMM

Code Block
<AlternatePriorAuthenticationTime>202304051124</AlternatePriorAuthenticationTime>

Alternate Prior Authentication Method = 02 - Cardholder challenge occurred by ACS

Code Block
<AlternatePriorAuthenticationMethod>02</AlternatePriorAuthenticationMethod>

Info
The AlternatePriorAuthenticationMethod value will need to be determined and stored during the initial transaction and sent in on the subsequent request. Merchants should store this value alongside the ACS Transaction Id to meet the requirements of the 3RI request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 07

Code Block
<EciFlag>07</EciFlag>

Note
Please note that the ECIFlag currently being returned is 02. However, in a Production environment, merchants should anticipate receiving an ECIFlag of 07.

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Card Network & Version Specifications

Mastercard Identity Check 2.1

For Mastercard Identity Check 2.1, 3RI is not supported for Payment Authentication (PA).

If you attempt to run a Device Channel of 3RI within Mastercard Identity Check 2.1, you will receive a transStatusReason=21 (3RI Transaction not Supported). In this case, you will also receive a transaction status of “U” rather than “Y”.

Additional Information

Mastercard Identity Check

Mastercard has allocated a new ECI value, ECI 07, for 3RI transactions. This will be present on a Mastercard response message for this particular 3RI scenario.

Sample Messages

Sample Lookup Message

Code Block

language	xml

<CardinalMPI>
  <MsgType>cmpi_lookup</MsgType>
  <Version>1.7</Version>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <Algorithm>SHA-512</Algorithm>
  <Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
  <OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
  <Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
  <Timestamp>{{TIMESTAMP}}</Timestamp>
  <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
  <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
  <TransactionType>C</TransactionType>
  <Amount>94160</Amount>
  <CurrencyCode>840</CurrencyCode>
  <CardExpMonth>06</CardExpMonth>
  <CardExpYear>2022</CardExpYear>
  <BillingFirstName>Harry</BillingFirstName>
  <BillingMiddleName>S</BillingMiddleName>
  <BillingLastName>Truman</BillingLastName>
  <BillingAddress1>8100 Tyler Blvd</BillingAddress1>
  <BillingAddress2 />
  <BillingCity>Mentor</BillingCity>
  <BillingCountryCode>US</BillingCountryCode>
  <BillingPostalCode>10123</BillingPostalCode>
  <CategoryCode>0123</CategoryCode>
  <DeviceChannel>3RI</DeviceChannel>
  <AuthenticationIndicator>01</AuthenticationIndicator>
  <ThreeRIIndicator>06</ThreeRIIndicator>
  <AlternatePriorAuthenticationRef>45be5b5a-bd58-4b9d-a298-da2beb339064</AlternatePriorAuthenticationRef>
  <AlternatePriorAuthenticationData>d1734c35-0663-4138-b472-dd6272aa8f77</AlternatePriorAuthenticationData>
  <AlternatePriorAuthenticationTime>202304051124</AlternatePriorAuthenticationTime>
  <AlternatePriorAuthenticationMethod>02</AlternatePriorAuthenticationMethod>
</CardinalMPI>

Sample Response Message

Code Block

language	xml

<CardinalMPI>
  <ACSOperatorID>MerchantACS</ACSOperatorID>
  <ErrorDesc></ErrorDesc>
  <ACSUrl></ACSUrl>
  <Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
  <ErrorNo>0</ErrorNo>
  <EciFlag>07</EciFlag>
  <Enrolled>Y</Enrolled>
  <CurrencyCode>840</CurrencyCode>
  <DSTransactionId>c340528c-1c03-4964-9a32-b9907bb5e048</DSTransactionId>
  <OrderId>8010394438358853</OrderId>
  <CardBrand>MASTERCARD</CardBrand>
  <PAResStatus>Y</PAResStatus>
  <CardBin>520000</CardBin>
  <SignatureVerification>Y</SignatureVerification>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <ThreeDSServerTransactionId>558dccac-45b1-4be4-9949-50a5ee2ec572</ThreeDSServerTransactionId>
  <Amount>94160</Amount>
  <ChallengeRequired></ChallengeRequired>
  <TransactionId>KN3bdqXoE0ZjIptkL9H0</TransactionId>
  <ACSTransactionId>9331946b-7d0a-4df7-8988-1c94b625e552</ACSTransactionId>
  <ACSReferenceNumber>Cardinal ACS</ACSReferenceNumber>
</CardinalMPI>

3b. Split/Delayed Shipment (Visa)

Scenario

A purchase includes multiple items that are made available to the consumer at different periods. For example, an order contains backordered or preordered items.

Note: During the initial purchase, an authentication should be completed using the full amount total (including products not yet to be shipped).

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN:

2.2.0: 4000000000002701

Required Fields - Lookup Request (cmpi_lookup)

Message Category = 01 (PA)

Code Block

language	xml

<MessageCategory>01</MessageCategory>

Device Channel = 3RI (03)

Code Block

language	xml

<DeviceChannel>3RI</DeviceChannel>

AuthenticationIndicator = 01 (Payment transaction)

Code Block

language	xml

<AuthenticationIndicator>01</AuthenticationIndicator>

ThreeRIIndicator =

EMV 3DS 2.2: 06 (Split/Delayed Shipment)

Code Block

language	xml

<ThreeRIIndicator>06</ThreeRIIndicator>

Alternate Prior Authentication Ref = ACSTransactionId from initial transaction (available on Lookup Response)

Code Block

language	xml

<AlternatePriorAuthenticationRef>45be5b5a-bd58-4b9d-a298-da2beb339064</AlternatePriorAuthenticationRef>

Alternate Prior Authentication Time = Date and time in UTC of the prior cardholder authentication.

Format: YYYYMMDDHHMM

Code Block

language	xml

<AlternatePriorAuthenticationTime>202304051124</AlternatePriorAuthenticationTime>

Alternate Prior Authentication Method = 02 - Cardholder challenge occurred by ACS

Code Block

language	xml

<AlternatePriorAuthenticationMethod>02</AlternatePriorAuthenticationMethod>

Info
The AlternatePriorAuthenticationMethod value will need to be determined and stored during the initial transaction and sent in on the subsequent request. Merchants should store this value alongside the ACS Transaction Id to meet the requirements of the 3RI request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 05

Code Block

language	xml

<EciFlag>05</EciFlag>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Sample Messages

Sample Lookup Message

Code Block

language	xml

<CardinalMPI>
  <MsgType>cmpi_lookup</MsgType>
  <Version>1.7</Version>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <Algorithm>SHA-512</Algorithm>
  <Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
  <OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
  <Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
  <Timestamp>{{TIMESTAMP}}</Timestamp>
  <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
  <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
  <TransactionType>C</TransactionType>
  <Amount>94160</Amount>
  <CurrencyCode>840</CurrencyCode>
  <CardExpMonth>06</CardExpMonth>
  <CardExpYear>2022</CardExpYear>
  <BillingFirstName>Harry</BillingFirstName>
  <BillingMiddleName>S</BillingMiddleName>
  <BillingLastName>Truman</BillingLastName>
  <BillingAddress1>8100 Tyler Blvd</BillingAddress1>
  <BillingAddress2 />
  <BillingCity>Mentor</BillingCity>
  <BillingCountryCode>US</BillingCountryCode>
  <BillingPostalCode>10123</BillingPostalCode>
  <CategoryCode>0123</CategoryCode>
  <DeviceChannel>3RI</DeviceChannel>
  <AuthenticationIndicator>01</AuthenticationIndicator>
  <ThreeRIIndicator>06</ThreeRIIndicator>
  <AlternatePriorAuthenticationRef>45be5b5a-bd58-4b9d-a298-da2beb339064</AlternatePriorAuthenticationRef>
  <AlternatePriorAuthenticationTime>202304051124</AlternatePriorAuthenticationTime>
  <AlternatePriorAuthenticationMethod>02</AlternatePriorAuthenticationMethod>
</CardinalMPI>

Sample Response Message

Code Block

language	xml

<CardinalMPI>
  <ACSOperatorID>MerchantACS</ACSOperatorID>
  <ErrorDesc></ErrorDesc>
  <ACSUrl></ACSUrl>
  <Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
  <ErrorNo>0</ErrorNo>
  <EciFlag>05</EciFlag>
  <Enrolled>Y</Enrolled>
  <CurrencyCode>840</CurrencyCode>
  <DSTransactionId>c340528c-1c03-4964-9a32-b9907bb5e048</DSTransactionId>
  <OrderId>8010394438358853</OrderId>
  <CardBrand>VISA</CardBrand>
  <PAResStatus>Y</PAResStatus>
  <CardBin>400120</CardBin>
  <SignatureVerification>Y</SignatureVerification>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <ThreeDSServerTransactionId>558dccac-45b1-4be4-9949-50a5ee2ec572</ThreeDSServerTransactionId>
  <Amount>94160</Amount>
  <ChallengeRequired></ChallengeRequired>
  <TransactionId>KN3bdqXoE0ZjIptkL9H0</TransactionId>
  <ACSTransactionId>9331946b-7d0a-4df7-8988-1c94b625e552</ACSTransactionId>
  <ACSReferenceNumber>Cardinal ACS</ACSReferenceNumber>
</CardinalMPI>

Test Case #4 OTA Test Cases

4a. Multi-Party Commerce or OTA (Visa)

Scenario

Multi-Party Commerce is when a travel booking merchant creates a multi-party transaction for the cardholder, where participating merchants are required to authorize on flights, hotels, and car rentals etc. This uses case addresses what these participating merchants are required to send for a successful transaction

Info
Note: Each participating merchant will be required to send their own CAVV.

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN:
2.2 4000000000002701

Required Fields - Lookup Request (cmpi_lookup)

Message Category = 01 (PA)

Code Block
<MessageCategory>01</MessageCategory>

Device Channel = 3RI (03)

Code Block
<DeviceChannel>3RI</DeviceChannel>

AuthenticationIndicator = 01 (Payment transaction)

Code Block
<AuthenticationIndicator>01</AuthenticationIndicator>

ThreeRIIndicator =

EMV 3DS 2.2: 11 (Other Payment) or 16 (Split Payment) with a message extension

Code Block
<ThreeRIIndicator>11</ThreeRIIndicator>

Alternate Prior Authentication Ref = ACSTransactionId from initial transaction (available on Lookup Response)

Code Block
<AlternatePriorAuthenticationRef>45be5b5a-bd58-4b9d-a298-da2beb339064</AlternatePriorAuthenticationRef>

Alternate Prior Authentication Time = Date and time in UTC of the prior cardholder authentication.

Format: YYYYMMDDHHMMSS

Code Block
<AlternatePriorAuthenticationTime>20230405112438</AlternatePriorAuthenticationTime>

Alternate Prior Authentication Method = 02 - Cardholder challenge occurred by ACS

Code Block
<AlternatePriorAuthenticationMethod>02</AlternatePriorAuthenticationMethod>

Info
The AlternatePriorAuthenticationMethod value will need to be determined and stored during the initial transaction and sent in on the subsequent request. Merchants should store this value alongside the ACS Transaction Id to meet the requirements of the 3RI request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block
<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block
<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 05

Code Block
<EciFlag>05</EciFlag>

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<ErrorDesc></ErrorDesc>

Sample cmpi_Lookup Request:

Code Block

language	xml

<CardinalMPI>
  <MsgType>cmpi_lookup</MsgType>
  <Version>1.7</Version>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <Algorithm>SHA-512</Algorithm>
  <Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
  <OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
  <Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
  <Timestamp>{{TIMESTAMP}}</Timestamp>
  <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
  <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
  <TransactionType>C</TransactionType>
  <Amount>94160</Amount>
  <CurrencyCode>840</CurrencyCode>
  <CardExpMonth>06</CardExpMonth>
  <CardExpYear>2022</CardExpYear>
  <BillingFirstName>Harry</BillingFirstName>
  <BillingMiddleName>S</BillingMiddleName>
  <BillingLastName>Truman</BillingLastName>
  <BillingAddress1>8100 Tyler Blvd</BillingAddress1>
  <BillingAddress2 />
  <BillingCity>Mentor</BillingCity>
  <BillingCountryCode>US</BillingCountryCode>
  <BillingPostalCode>10123</BillingPostalCode>
  <CategoryCode>0123</CategoryCode>
  <DeviceChannel>3RI</DeviceChannel>
  <AuthenticationIndicator>01</AuthenticationIndicator>
  <ThreeRIIndicator>11</ThreeRIIndicator>
  <AlternatePriorAuthenticationRef>45be5b5a-bd58-4b9d-a298-da2beb339064</AlternatePriorAuthenticationRef>
  <AlternatePriorAuthenticationTime>20230405112438</AlternatePriorAuthenticationTime>
  <AlternatePriorAuthenticationMethod>02</AlternatePriorAuthenticationMethod>
</CardinalMPI>

Sample Response:

Code Block

language	xml

<CardinalMPI>
  <ACSOperatorID>MerchantACS</ACSOperatorID>
  <ErrorDesc></ErrorDesc>
  <ACSUrl></ACSUrl>
  <Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
  <ErrorNo>0</ErrorNo>
  <EciFlag>05</EciFlag>
  <Enrolled>Y</Enrolled>
  <CurrencyCode>840</CurrencyCode>
  <DSTransactionId>c340528c-1c03-4964-9a32-b9907bb5e048</DSTransactionId>
  <OrderId>8010394438358853</OrderId>
  <CardBrand>VISA</CardBrand>
  <PAResStatus>Y</PAResStatus>
  <CardBin>400120</CardBin>
  <SignatureVerification>Y</SignatureVerification>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <ThreeDSServerTransactionId>558dccac-45b1-4be4-9949-50a5ee2ec572</ThreeDSServerTransactionId>
  <Amount>94160</Amount>
  <ChallengeRequired></ChallengeRequired>
  <TransactionId>KN3bdqXoE0ZjIptkL9H0</TransactionId>
  <ACSTransactionId>9331946b-7d0a-4df7-8988-1c94b625e552</ACSTransactionId>
  <ACSReferenceNumber>Cardinal ACS</ACSReferenceNumber>
</CardinalMPI>

4b. Multi-Party Commerce or OTA (MasterCard)

Scenario

Multi-Party Commerce is when a travel booking merchant creates a multi-party transaction for the cardholder, where participating merchants are required to authorize on flights, hotels, and car rentals etc. This uses case addresses what these participating merchants are required to send for a successful transaction

Info
Note: Each participating merchant will be required to send their own CAVV.

Authentication Experience

Customer Initiated Frictionless

Test Values

EXP Date: 01/****

MasterCard PAN:
2.2 5200000000002805

Required Fields - Lookup Request (cmpi_lookup)

Message Category = 01 (PA)

Code Block

language	xml

<MessageCategory>01</MessageCategory>

Device Channel = APP (01), BROWSER (02)

Code Block

language	xml

<DeviceChannel>02</DeviceChannel>

ChallengeIndicator = 03 - Challenge requested (3DS Requestor preference)

Code Block

language	xml

<ChallengeIndicator>03</ChallengeIndicator>

AuthenticationIndicator = 85 (Agent Payment)

Code Block

language	xml

<AuthenticationIndicator>85</AuthenticationIndicator>

PurchaseDate =

Format: YYYYMMDDHHMMSS

Code Block

language	xml

<PurchaseDate>20200405112438</PurchaseDate>

Expected Results for the Lookup Response

PAResStatus = C

Code Block
<PAResStatus>Y</PAResStatus>

Enrolled = Y

Code Block
<Enrolled>Y</Enrolled>

EciFlag = 00

Code Block

language	xml

<EciFlag>00</EciFlag>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Cavv = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

Expected Results - Authenticate Response (cmpi_lookup)

PAResStatus = Y

Code Block
<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 02

Code Block
<EciFlag>02</EciFlag>

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<ErrorDesc></ErrorDesc>

Sample Request:

Code Block

language	xml

<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Version>1.7</Version>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<TransactionType>C</TransactionType>
	<OrderNumber>12345678</OrderNumber>
	<Amount>94160</Amount>
	<CurrencyCode>840</CurrencyCode>
	<CardNumber>520000******2805</CardNumber>
	<CardExpMonth>01</CardExpMonth>
	<CardExpYear>2023</CardExpYear>
	<BillingFirstName>John</BillingFirstName>
	<BillingMiddleName>S</BillingMiddleName>
	<BillingLastName>Smith</BillingLastName>
	<BillingAddress1>1600 Pennsylvania Blvd.</BillingAddress1>
	<BillingAddress2/>
	<BillingPhone>555-555-5555</BillingPhone>
	<BillingCity>Washington</BillingCity>
	<BillingState>DC</BillingState>
	<BillingPostalCode>10123</BillingPostalCode>
	<BillingCountryCode>US</BillingCountryCode>
	<ShippingFirstName>John</ShippingFirstName>
	<ShippingLastName>Smith</ShippingLastName>
	<ShippingAddress1>1600 Pennsylvania Blvd.</ShippingAddress1>
	<ShippingAddress2/>
	<ShippingPhone>555-555-5555</ShippingPhone>
	<ShippingCity>Washington</ShippingCity>
	<ShippingState>DC</ShippingState>
	<ShippingPostalCode>10123</ShippingPostalCode>
	<ShippingCountryCode>US</ShippingCountryCode>
	<Item_Name_1>CC Car A</Item_Name_1>
	<Item_Desc_1>Model Aqua</Item_Desc_1>
	<Item_Price_1>10000</Item_Price_1>
	<Item_Quantity_1>1</Item_Quantity_1>
	<Item_SKU_1>8675309</Item_SKU_1>
	<PurchaseDate>20200405112438</PurchaseDate>
	<CategoryCode>01</CategoryCode>
	<MessageCategory>01</MessageCategory>
	<BrowserLanguage>English</BrowserLanguage>
	<BrowserColorDepth>500</BrowserColorDepth>
	<BrowserScreenHeight>980</BrowserScreenHeight>
	<BrowserScreenWidth>1080</BrowserScreenWidth>
	<BrowserTimeZone>-1:00</BrowserTimeZone>
	<BrowserJavaEnabled>true</BrowserJavaEnabled>
	<IPAddress>127.0.0.1</IPAddress>
	<UserAgent>Jakarta Commons-HttpClient/3.1</UserAgent>
	<DeviceChannel>02</DeviceChannel>
	<ChallengeIndicator>03</ChallengeIndicator>
	<AuthenticationIndicator>85</AuthenticationIndicator>
	<RecurringEnd>20190121</RecurringEnd>
	<RecurringFrequency>31</RecurringFrequency>
	<CategoryCode>1234</CategoryCode>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8</BrowserHeader>
</CardinalMPI>

Sample Response:

Code Block

language	xml

<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>IZBMo3zIjEPsnNCcGgN0</TransactionId>
    <Payload></Payload>
    <ErrorDesc></ErrorDesc>
    <Cavv/>
    <PAResStatus>C</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>2cf308bf-86fc-4bee-816a-cd38909d0d92</ACSTransactionId>
    <EciFlag>00</EciFlag>
    <ACSUrl>https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp</ACSUrl>
    <ThreeDSServerTransactionId>db6e6faf-f7bb-40a1-8c9c-caaad3782458</ThreeDSServerTransactionId>
    <CardBin>520000</CardBin>
    <CardBrand>MASTERCARD</CardBrand>
    <Amount>94160</Amount>
    <DSTransactionId>1c59a512-ab4f-4370-af97-4cfe69b7276e</DSTransactionId>
    <ThreeDSVersion>2.2.0</ThreeDSVersion>
    <CurrencyCode>840</CurrencyCode>
    <OrderId>8000038870456384</OrderId>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Sample Authenticate Request

Code Block

language	xml

<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<TransactionId>{{TRANSACTION_ID}}</TransactionId>
	<OrderId>{{ORDER_ID}}</OrderId>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response

Code Block

language	xml

<CardinalMPI>
    <CardBin>520000</CardBin>
    <ThreeDSVersion>2.2.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc />
    <ThreeDSServerTransactionId>c5045efa-1d2c-411f-a605-687bfd1460dd</ThreeDSServerTransactionId>
    <Cavv>MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=</Cavv>
    <Amount>12367</Amount>
    <ErrorNo>0</ErrorNo>
    <EciFlag>02</EciFlag>
    <TransactionId>ADF7ZctbyCVa0xKcivw0</TransactionId>
    <CurrencyCode>840</CurrencyCode>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>03</AuthenticationType>
    <CardBrand>MC</CardBrand>
    <PAResStatus>Y</PAResStatus>
</CardinalMPI>

4c. Multi-Party Commerce or OTA (MasterCard)

Scenario

Multi-Party Commerce is when a travel booking merchant creates a multi-party transaction for the cardholder, where participating merchants are required to authorize on flights, hotels, and car rentals etc. This uses case addresses what these participating merchants are required to send for a successful transaction

Info
Note: Each participating merchant will be required to send their own CAVV.

Authentication Experience

Merchant Initiated Challenge

Test Values

EXP Date: 01/****

MasterCard PAN:
2.2 TBD

Required Fields - Lookup Request (cmpi_lookup)

Message Category = 01 (PA)

Code Block
<MessageCategory>01</MessageCategory>

Device Channel = 3RI (03)

Code Block
<DeviceChannel>3RI</DeviceChannel>

AuthenticationIndicator = 85 (Agent Payment)

Code Block
<AuthenticationIndicator>85</AuthenticationIndicator>

ThreeRIIndicator =

EMV 3DS 2.2: 85

Code Block
<ThreeRIIndicator>85</ThreeRIIndicator>

Alternate Prior Authentication Ref = ACSTransactionId from initial transaction (available on Lookup Response)

Code Block
<AlternatePriorAuthenticationRef>45be5b5a-bd58-4b9d-a298-da2beb339064</AlternatePriorAuthenticationRef>

Alternate Prior Authentication Time = Date and time in UTC of the prior cardholder authentication.

Format: YYYYMMDDHHMMSS

Code Block
<AlternatePriorAuthenticationTime>20230405112438</AlternatePriorAuthenticationTime>

Alternate Prior Authentication Method = 02 - Cardholder challenge occurred by ACS

Code Block
<AlternatePriorAuthenticationMethod>02</AlternatePriorAuthenticationMethod>

Info
The AlternatePriorAuthenticationMethod value will need to be determined and stored during the initial transaction and sent in on the subsequent request. Merchants should store this value alongside the ACS Transaction Id to meet the requirements of the 3RI request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block
<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block
<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 07

Code Block
<EciFlag>07</EciFlag>

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<ErrorDesc></ErrorDesc>

Sample cmpi_Lookup Request:

Code Block

language	xml

<CardinalMPI>
  <MsgType>cmpi_lookup</MsgType>
  <Version>1.7</Version>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <Algorithm>SHA-512</Algorithm>
  <Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
  <OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
  <Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
  <Timestamp>{{TIMESTAMP}}</Timestamp>
  <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
  <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
  <TransactionType>C</TransactionType>
  <Amount>94160</Amount>
  <CurrencyCode>840</CurrencyCode>
  <CardExpMonth>06</CardExpMonth>
  <CardExpYear>2022</CardExpYear>
  <BillingFirstName>Harry</BillingFirstName>
  <BillingMiddleName>S</BillingMiddleName>
  <BillingLastName>Truman</BillingLastName>
  <BillingAddress1>8100 Tyler Blvd</BillingAddress1>
  <BillingAddress2 />
  <BillingCity>Mentor</BillingCity>
  <BillingCountryCode>US</BillingCountryCode>
  <BillingPostalCode>10123</BillingPostalCode>
  <CategoryCode>0123</CategoryCode>
  <DeviceChannel>3RI</DeviceChannel>
  <AuthenticationIndicator>85</AuthenticationIndicator>
  <ThreeRIIndicator>85</ThreeRIIndicator>
  <AlternatePriorAuthenticationData>dsTransID:d1734c35-0663-4138-b472-dd6272aa8f77</AlternatePriorAuthenticationData>
</CardinalMPI>

Sample Response:

Code Block

language	xml

<CardinalMPI>
  <ACSOperatorID>MerchantACS</ACSOperatorID>
  <ErrorDesc></ErrorDesc>
  <ACSUrl></ACSUrl>
  <Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
  <ErrorNo>0</ErrorNo>
  <EciFlag>07</EciFlag>
  <Enrolled>Y</Enrolled>
  <CurrencyCode>840</CurrencyCode>
  <DSTransactionId>c340528c-1c03-4964-9a32-b9907bb5e048</DSTransactionId>
  <OrderId>8010394438358853</OrderId>
  <CardBrand>MASTERCARD</CardBrand>
  <PAResStatus>Y</PAResStatus>
  <CardBin>520000</CardBin>
  <SignatureVerification>Y</SignatureVerification>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <ThreeDSServerTransactionId>558dccac-45b1-4be4-9949-50a5ee2ec572</ThreeDSServerTransactionId>
  <Amount>94160</Amount>
  <ChallengeRequired></ChallengeRequired>
  <TransactionId>KN3bdqXoE0ZjIptkL9H0</TransactionId>
  <ACSTransactionId>9331946b-7d0a-4df7-8988-1c94b625e552</ACSTransactionId>
  <ACSReferenceNumber>Cardinal ACS</ACSReferenceNumber>
</CardinalMPI>

Test Case #5 3RI Transaction not Supported

5. 3RI transaction not supported

Scenario

21 - 3RI transaction not supported

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN:
2.1.0: 4000000000002248

Required Fields - Lookup Request (cmpi_lookup)

MessageCategory = 02 (NPA)

Code Block

language	xml

<MessageCategory>02</MessageCategory>

DeviceChannel = 3RI (03)

Code Block

language	xml

<DeviceChannel>3RI</DeviceChannel>

ThreeRIIndicator = 01

Code Block

language	xml

<ThreeRIIndicator>01</ThreeRIIndicator>

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = U

Code Block

language	xml

<PAResStatus>U</PAResStatus>

Cavv = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = 07

Code Block

language	xml

<EciFlag>07</EciFlag>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

StatusReason = 21

Code Block

language	xml

<StatusReason>21</StatusReason>

Sample cmpi_lookup Request

Code Block

language	xml

<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
    <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
    <CardExpMonth>06</CardExpMonth>
    <CardExpYear>2022</CardExpYear>
    <AcquirerId>428448</AcquirerId>
    <AcquirerMerchantId>980020230994</AcquirerMerchantId>
    <ACSWindowSize>05</ACSWindowSize>
    <BillingAddress1>8100 Tyler Blvd</BillingAddress1>
    <BillingAddress2 />
    <BillingCity>Mentor</BillingCity>
    <BillingCountryCode>US</BillingCountryCode>
    <BillingFirstName>Chris</BillingFirstName>
    <BillingLastName>Brown</BillingLastName>
    <BillingPostalCode>K44060</BillingPostalCode>
    <BillingState>OH</BillingState>
    <UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
    <DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
    <BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
    <BrowserJavaEnabled>True</BrowserJavaEnabled>
    <BrowserLanguage>en-US</BrowserLanguage>
    <BrowserColorDepth>24</BrowserColorDepth>
    <BrowserScreenHeight>864</BrowserScreenHeight>
    <BrowserScreenWidth>1536</BrowserScreenWidth>
    <BrowserTimeZone>300</BrowserTimeZone>
    <CategoryCode>5999</CategoryCode>
    <CurrencyCode>USD</CurrencyCode>
    <Amount>12367</Amount>
    <DeviceChannel>3RI</DeviceChannel>
    <MessageCategory>02</MessageCategory>
    <ThreeRIIndicator>01</ThreeRIIndicator>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample cmpi_Lookup Response

Code Block

language	xml

<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>0TmYenYQaThUv4nrJKi0</TransactionId>
    <Payload/>
    <ErrorDesc/>
    <Cavv/>
    <PAResStatus>U</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>c05374b4-65b3-4b9b-8dd3-9d2ed9c80d99</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl/>
    <ThreeDSServerTransactionId>62615477-4210-4272-80b0-de04bfab191d</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <StatusReason>21</StatusReason>
    <DSTransactionId>6b8c2d65-58a0-4e00-a183-b325c3b0fbde</DSTransactionId>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000009746159791</OrderId>
    <ChallengeRequired/>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.

Versions Compared

Old Version 11

New Version 12

Key

Test Case 1: Recurring Payments - Fixed Amount

1a. Initial/First Recurring Transaction

Sample Messages

Sample Lookup Request Message

1b. Recurring Payments - Subsequent Transaction (Mastercard)

Sample Messages

Test Case 2: Installment

2a. Installment - Customer Initiated Transaction (Mastercard)

Sample cmpi_Lookup Request

Test Case 3: Split/Delayed or Partial Shipment (3RI)

3a. Split/Partial Shipment (Mastercard)

Sample Messages

3b. Split/Delayed Shipment (Visa)

Sample Messages

Test Case #4 OTA Test Cases

4a. Multi-Party Commerce or OTA (Visa)

Sample cmpi_Lookup Request:

Sample Response:

4b. Multi-Party Commerce or OTA (MasterCard)

Sample Request:

Sample Response:

Sample Authenticate Request

Sample Authenticate Response

4c. Multi-Party Commerce or OTA (MasterCard)

Sample cmpi_Lookup Request:

Sample Response:

Test Case #5 3RI Transaction not Supported

5. 3RI transaction not supported

Sample cmpi_lookup Request

Sample cmpi_Lookup Response

Page Comparison

Versions Compared

Old Version 11

New Version 12

Key

Test Case 1: Recurring Payments - Fixed Amount

1a. Initial/First Recurring Transaction

Sample Messages

Sample Lookup Request Message

1b. Recurring Payments - Subsequent Transaction (Mastercard)

Sample Messages

Test Case 2: Installment

2a. Installment - Customer Initiated Transaction (Mastercard)

Sample cmpi_Lookup Request

Test Case 3: Split/Delayed or Partial Shipment (3RI)

3a. Split/Partial Shipment (Mastercard)

Sample Messages

3b. Split/Delayed Shipment (Visa)

Sample Messages

Test Case #4 OTA Test Cases

4a. Multi-Party Commerce or OTA (Visa)

Sample cmpi_Lookup Request:

Sample Response:

4b. Multi-Party Commerce or OTA (MasterCard)

Sample Request:

Sample Response:

Sample Authenticate Request

Sample Authenticate Response

4c. Multi-Party Commerce or OTA (MasterCard)

Sample cmpi_Lookup Request:

Sample Response:

Test Case #5 3RI Transaction not Supported

5. 3RI transaction not supported

Sample cmpi_lookup Request

Sample cmpi_Lookup Response