The Visa Digital Authentication Framework (DAF) has been introduced to attempt to influence approval rates and potentially lower fraud through tighter control of the authentication experience. The framework is designed around merchant, network, and issuer data exchange resulting in a frictionless merchant experience. The DAF program uses the Visa Directory Server (VDS) to provide advice to issuers and has established rules that do not allow issuers to provide a step up when an authenticated payment credential (APC) has been established. An APC can be established by request via DAF, using an issuer step up, which then allows all subsequent transaction to be frictionless with full liability shift.

Note
Cardinal support for the Visa Digital Authentication Framework is currently considered Beta. The integration and corresponding documentation are subject to change.

Info

Important test notes:

For the expiration year field CardExpYear, use the current year +3 (for example, when testing in 2023, you’d use 2026).
SignatureVerification should always return as Y when the field is present in the lookup response (it will not be returned in Enrolled = U test cases). If you receive a different value, reach out to your account representative or Cardinal Support for assistance.
Test PANs will not necessarily match the production card range for their respective card networks. As such, test PANs should not be used to determine the range of (or to create validation rules for) production cards. If you do have validation rules in place, trustlists can be used to allow or identify test PANs on an individual basis.

Implementation of 3DS Method is a requirement for Digital Authentication Framework.
For more information, please refer to Method URL Test Case documentation.

Table of Contents

maxLevel	2

Confirm DAF Eligibility

VMID not valid

Scenario

Non eligible DAF transactions

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN: TBD
(Applicable for EMV 2.1.0 and EMV 2.2.0)

Required Fields - Lookup Request (cmpi_lookup)

No specific callouts for fields; transStatusReason will be returned based on the PAN.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = N

Code Block

language	xml

<PAResStatus>N</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 = 85

Code Block

language	xml

<StatusReason>85</StatusReason>

Additional Information

Test Case can apply to PA or NPA transactions.

When PAResStatus= N, the CardholderInfo field may be returned by the Issuer. When this is present, you must display this within your checkout experience.

Merchant Direction

To register for DAF EMV 3DS, a merchant’s acquirer must retrieve and confirm their Visa Merchant ID (VMID) with Visa. Once confirmed, merchants must share the VMID with their Cardinal representative to have it added to their payment account configuration.

Sample Messages

Sample Lookup Message

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>
    <CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>
    <CategoryCode>5999</CategoryCode>
    <CurrencyCode>USD</CurrencyCode>
    <Amount>12367</Amount>
    <DeviceChannel>Browser</DeviceChannel>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Response Message

Code Block

language	xml

<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>1S24NY2U9B5B803m0mR0</TransactionId>
    <Payload/>
    <ErrorDesc/>
    <Cavv/>
    <PAResStatus>N</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>1976d4a4-ef90-4b07-89d6-4cffe17d7829</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl/>
    <ThreeDSServerTransactionId>f353fa13-cec0-4d6b-a6e5-ccd18c5f831b</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <StatusReason>85</StatusReason>
    <DSTransactionId>b0100d3a-83ed-4c0f-acaa-df70dfc42410</DSTransactionId>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000821879894022</OrderId>
    <ChallengeRequired/>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Issuer is not enrolled in DAF

Scenario

Issuer is not enrolled in the DAF program

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN: TBD
(Applicable for EMV 2.1.0 and EMV 2.2.0)

Required Fields - Lookup Request (cmpi_lookup)

No specific callouts for fields; transStatusReason will be returned based on the PAN.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = N

Code Block

language	xml

<PAResStatus>N</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 = 88

Code Block

language	xml

<StatusReason>88</StatusReason>

Additional Information

Test Case can apply to PA or NPA transactions.

When PAResStatus= N, the CardholderInfo field may be returned by the Issuer. When this is present, you must display this within your checkout experience.

Sample Messages

Sample Lookup Message

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>
    <CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>
    <CategoryCode>5999</CategoryCode>
    <CurrencyCode>USD</CurrencyCode>
    <Amount>12367</Amount>
    <DeviceChannel>Browser</DeviceChannel>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Response Message

Code Block

language	xml

<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>1S24NY2U9B5B803m0mR0</TransactionId>
    <Payload/>
    <ErrorDesc/>
    <Cavv/>
    <PAResStatus>N</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>1976d4a4-ef90-4b07-89d6-4cffe17d7829</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl/>
    <ThreeDSServerTransactionId>f353fa13-cec0-4d6b-a6e5-ccd18c5f831b</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <StatusReason>88</StatusReason>
    <DSTransactionId>b0100d3a-83ed-4c0f-acaa-df70dfc42410</DSTransactionId>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000821879894022</OrderId>
    <ChallengeRequired/>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Use Case 1: First time transaction

Test Case 1a: Unverified Payment Credential (Payment Authentication)

Scenario

Enroll an unverified payment credential in the DAF program

Authentication Experience

Challenged

Test Values

EXP Date: 01/****

Visa PAN: 4000090000000847
(Applicable for EMV 2.1.0 and EMV 2.2.0)

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>BROWSER</DeviceChannel>

ChallengeIndicator = 03 / 04 Challenge requested (3DS Requestor preference) (03), Challenge requested (Mandate) (04)

Code Block

language	xml

<ChallengeIndicator>03</ChallengeIndicator>

CustomerId (Go to field description)

Code Block

language	xml

<CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml

<PAResStatus>C</PAResStatus>

APCStatus = NOT_AVAILABLE (Go to field description)

Code Block

language	xml

<APCStatus>NOT_AVAILABLE</APCStatus>

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>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

APCCreated = Y (Go to field description)

Code Block

language	xml

<APCCreated>Y</APCCreated>

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>AAUBBogXaCU2cIc3hRdoAAAAAAA=</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>

Card Network & Version Specifications

Visa Secure 2.1

DAF can be used with other exemptions

Visa Secure 2.2

Support for EMV 3DS 2.2 will be required if the Visa Delegated Authentication Program (VDAP) is to be used in conjunction with DAF in Europe.

Sample Messages

Sample Lookup Message

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>2026</CardExpYear>
    <ChallengeIndicator>03</ChallengeIndicator>
    <AcquirerId>428448</AcquirerId>
    <AcquirerMerchantId>980020230994</AcquirerMerchantId>
    <ACSWindowSize>05</ACSWindowSize>
    <CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>
    <MessageCategory>01</MessageCategory>
    <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>Browser</DeviceChannel>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Response Message

Code Block

language	xml

<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>GbfKhlc85bjUeQv1MB80</TransactionId>
    <Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI0ZmNhNzY0OS01YmRmLTRjNTQtODExZS01ZjA3YTdiNzZkMzAiLCJhY3NUcmFuc0lEIjoiNDViZTViNWEtYmQ1OC00YjlkLWEyOTgtZGEyYmViMzM5MDY0IiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjA1In0</Payload>
    <ErrorDesc></ErrorDesc>
    <Cavv></Cavv>
    <PAResStatus>C</PAResStatus>
    <APCStatus>NOT_AVAILABLE</APCStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl>https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp</ACSUrl>
    <ThreeDSServerTransactionId>4fca7649-5bdf-4c54-811e-5f07a7b76d30</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>01</AuthenticationType>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000237418632080</OrderId>
    <ChallengeRequired>N</ChallengeRequired>
    <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>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block

language	xml

<CardinalMPI>
    <CardBin>400000</CardBin>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc />
    <ThreeDSServerTransactionId>c5045efa-1d2c-411f-a605-687bfd1460dd</ThreeDSServerTransactionId>
    <Cavv>AAUBBogXaCU2cIc3hRdoAAAAAAA=</Cavv>
    <Amount>12367</Amount>
    <ErrorNo>0</ErrorNo>
    <InteractionCounter>00</InteractionCounter>
    <EciFlag>05</EciFlag>
    <APCCreated>Y</APCCreated>
    <TransactionId>ADF7ZctbyCVa0xKcivw0</TransactionId>
    <CurrencyCode>840</CurrencyCode>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>03</AuthenticationType>
    <CardBrand>VISA</CardBrand>
    <PAResStatus>Y</PAResStatus>
</CardinalMPI>

Test Case 1b: Unverified Payment Credential (Non Payment Authentication)

Scenario

Enroll an unverified payment credential in the DAF program

Authentication Experience

Challenged

Test Values

EXP Date: 01/****

Visa PAN: 4000090000000847
(Applicable for EMV 2.1.0 and EMV 2.2.0)

Required Fields - Lookup Request (cmpi_lookup)

Message Category = 02 (NPA)

Code Block

language	xml

<MessageCategory>02</MessageCategory>

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

Code Block

language	xml

<DeviceChannel>BROWSER</DeviceChannel>

AuthenticationIndicator = 04 - Add Card or, 05 - Maintain Card

Code Block

language	xml

<AuthenticationIndicator>05</AuthenticationIndicator>

Amount = 0

Code Block

language	xml

<Amount>0</Amount>

CustomerId (Go to field description)

Code Block

language	xml

<CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml

<PAResStatus>C</PAResStatus>

APCStatus = NOT_AVAILABLE (Go to field description)

Code Block

language	xml

<APCStatus>NOT_AVAILABLE</APCStatus>

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>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

APCCreated = Y (Go to field description)

Code Block

language	xml

<APCCreated>Y</APCCreated>

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>AAUBBogXaCU2cIc3hRdoAAAAAAA=</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>

Card Network & Version Specifications

Visa Secure 2.1

DAF can be used with other exemptions

Visa Secure 2.2

Support for EMV 3DS 2.2 will be required if the Visa Delegated Authentication Program (VDAP) is to be used in conjunction with DAF in Europe.

Sample Messages

Sample Lookup Message

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>2026</CardExpYear>
    <AcquirerId>428448</AcquirerId>
    <AcquirerMerchantId>980020230994</AcquirerMerchantId>
    <ACSWindowSize>05</ACSWindowSize>
    <CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>
    <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>0</Amount>
    <AuthenticationIndicator>04</AuthenticationIndicator>
    <ChallengeIndicator>03</ChallengeIndicator>
    <MessageCategory>02</MessageCategory>
    <CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>
    <DeviceChannel>Browser</DeviceChannel>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Response Message

Code Block

language	xml

<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>GbfKhlc85bjUeQv1MB80</TransactionId>
    <Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI0ZmNhNzY0OS01YmRmLTRjNTQtODExZS01ZjA3YTdiNzZkMzAiLCJhY3NUcmFuc0lEIjoiNDViZTViNWEtYmQ1OC00YjlkLWEyOTgtZGEyYmViMzM5MDY0IiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjA1In0</Payload>
    <ErrorDesc></ErrorDesc>
    <Cavv></Cavv>
    <PAResStatus>C</PAResStatus>
    <APCStatus>NOT_AVAILABLE</APCStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl>https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp</ACSUrl>
    <ThreeDSServerTransactionId>4fca7649-5bdf-4c54-811e-5f07a7b76d30</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>01</AuthenticationType>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000237418632080</OrderId>
    <ChallengeRequired>N</ChallengeRequired>
    <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>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block

language	xml

<CardinalMPI>
    <CardBin>400000</CardBin>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc />
    <ThreeDSServerTransactionId>c5045efa-1d2c-411f-a605-687bfd1460dd</ThreeDSServerTransactionId>
    <Cavv>AAUBBogXaCU2cIc3hRdoAAAAAAA=</Cavv>
    <Amount>12367</Amount>
    <ErrorNo>0</ErrorNo>
    <InteractionCounter>00</InteractionCounter>
    <EciFlag>05</EciFlag>
    <APCCreated>Y</APCCreated>
    <TransactionId>ADF7ZctbyCVa0xKcivw0</TransactionId>
    <CurrencyCode>840</CurrencyCode>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>03</AuthenticationType>
    <CardBrand>VISA</CardBrand>
    <PAResStatus>Y</PAResStatus>
</CardinalMPI>

Test Case 1c: Failed Step Up Authentication

Scenario

Cardholder canceled the transaction upon Step Up

Authentication Experience

Challenged

Test Values

EXP Date: 01/****

Visa PAN: 4000090000000896
(Applicable for EMV 2.1.0 and EMV 2.2.0)

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>BROWSER</DeviceChannel>

CustomerId (Go to field description)

Code Block

language	xml

<CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml

<PAResStatus>C</PAResStatus>

APCStatus = NOT_AVAILABLE (Go to field description)

Code Block

language	xml

<APCStatus>NOT_AVAILABLE</APCStatus>

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>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = N

Code Block

language	xml

<PAResStatus>N</PAResStatus>

APCCreated = N (Go to field description)

Code Block

language	xml

<APCCreated>N</APCCreated>

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>

Sample Messages

Sample Lookup Message

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>2026</CardExpYear>
    <AcquirerId>428448</AcquirerId>
    <AcquirerMerchantId>980020230994</AcquirerMerchantId>
    <ACSWindowSize>05</ACSWindowSize>
    <CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>
    <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>123545</Amount>
    <ChallengeIndicator>03</ChallengeIndicator>
    <CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>
    <DeviceChannel>Browser</DeviceChannel>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Response Message

Code Block

language	xml

<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>GbfKhlc85bjUeQv1MB80</TransactionId>
    <Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI0ZmNhNzY0OS01YmRmLTRjNTQtODExZS01ZjA3YTdiNzZkMzAiLCJhY3NUcmFuc0lEIjoiNDViZTViNWEtYmQ1OC00YjlkLWEyOTgtZGEyYmViMzM5MDY0IiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjA1In0</Payload>
    <ErrorDesc></ErrorDesc>
    <Cavv></Cavv>
    <PAResStatus>C</PAResStatus>
    <APCStatus>NOT_AVAILABLE</APCStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl>https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp</ACSUrl>
    <ThreeDSServerTransactionId>4fca7649-5bdf-4c54-811e-5f07a7b76d30</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>01</AuthenticationType>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000237418632080</OrderId>
    <ChallengeRequired>N</ChallengeRequired>
    <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>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block

language	xml

<CardinalMPI>
    <CardBin>400001</CardBin>
    <StatusReason>01</StatusReason>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc />
    <ThreeDSServerTransactionId>a8688a40-b7f2-41e3-b760-42d4221f76f5</ThreeDSServerTransactionId>
    <Cavv />
    <ErrorNo>0</ErrorNo>
    <InteractionCounter>00</InteractionCounter>
    <EciFlag>07</EciFlag>
    <TransactionId>rQn5nFa2z347PcJURQk0</TransactionId>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>03</AuthenticationType>
    <APCCreated>N</APCCreated>
    <CardBrand>VISA</CardBrand>
    <PAResStatus>N</PAResStatus>
</CardinalMPI>

Use Case 2: Subsequent transaction

Test Case 2a - Authenticated Payment Credential

Scenario

Allows an authenticated payment credential (APC) to participate in the DAF program and provides a frictionless authentication experience

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN: 4000090000000854
(Applicable for EMV 2.1.0 and EMV 2.2.0)

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>BROWSER</DeviceChannel>

CustomerId (Go to field description)

Code Block

language	xml

<CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>

Expected Results - Lookup Response (cmpi_lookup)

PAResStatus = Y

Code Block

language	xml

 <PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>AAUBBogXaCU2cIc3hRdoAAAAAAA=</Cavv>

APCStatus = AVAILABLE (Go to field description)

Code Block

language	xml

<APCStatus>AVAILABLE</APCStatus>

EciFlag = 05

Code Block

language	xml

<EciFlag>05</EciFlag>

ThreeDSVersion = <ThreeDSVersion Value>

Code Block

language	xml

<ThreeDSVersion>2.1.0</ThreeDSVersion>

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

DAF can be used with other exemptions

Visa Secure 2.2

Support for EMV 3DS 2.2 will be required if the Visa Delegated Authentication Program (VDAP) is to be used in conjunction with DAF in Europe.

Sample Messages

Sample Lookup Message

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>2026</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>Browser</DeviceChannel>
    <CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Response Message

Code Block

language	xml

<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>AwrMuZHT2pBsSzAD3xO0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv>AAUBBogXaCU2cIc3hRdoAAAAAAA=</Cavv>
	<PAResStatus>Y</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>60284c5c-a785-4e0b-98cf-6732f4eff286</ACSTransactionId>
	<EciFlag>05</EciFlag>
	<APCStatus>AVAILABLE</APCStatus>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>70244e0f-c218-43f1-b34c-6faa35303be9</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<Amount>12367</Amount>
	<DSTransactionId>07e54000-2721-4df9-aa51-04fa0e079aa8</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<CurrencyCode>840</CurrencyCode>
	<OrderId>8000081912452938</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 2b - Authenticated Payment Credential (VDAP)

Scenario

Allows an authenticated payment credential (APC) to participate in the DAF program with Visa Delegated Authentication Program (VDAP) and provides a frictionless authentication experience

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN: 4000090000000854
(Applicable only for EMV 2.2.0)

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>BROWSER</DeviceChannel>

CustomerId (Go to field description)

Code Block

language	xml

<CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>

ChallengeIndicator

Code Block

language	xml

<ChallengeIndicator>07</ChallengeIndicator>

AlternateAuthenticationData

Code Block

language	xml

<AlternateAuthenticationData>{{FIDO_PAYLOAD}}</AlternateAuthenticationData>

AlternateAuthenticationMethod

Code Block

language	xml

<AlternateAuthenticationMethod>06</AlternateAuthenticationMethod>

AlternateAuthenticationDate

Code Block

language	xml

<AlternateAuthenticationDate>202112080534</AlternateAuthenticationDate>

Expected Results - Lookup Response (cmpi_lookup)

PAResStatus = Y

Code Block

language	xml

 <PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>AAUBBogXaCU2cIc3hRdoAAAAAAA=</Cavv>

APCStatus = AVAILABLE (Go to field description)

Code Block

language	xml

<APCStatus>AVAILABLE</APCStatus>

Visa:
EciFlag = 05

Code Block

language	xml

<EciFlag>05</EciFlag>

ThreeDSVersion = <ThreeDSVersion Value>

Code Block

language	xml

<ThreeDSVersion>2.2.0</ThreeDSVersion>

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

DAF can be used with other exemptions

Visa Secure 2.2

Support for EMV 3DS 2.2 will be required if the Visa Delegated Authentication Program (VDAP) is to be used in conjunction with DAF in Europe.

Sample Messages

Sample Lookup Message

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>2026</CardExpYear>
	<AlternateAuthenticationData>{{FIDO PAYLOAD}}</AlternateAuthenticationData>
	<AlternateAuthenticationMethod>06</AlternateAuthenticationMethod>
	<AlternateAuthenticationDate>202112080534</AlternateAuthenticationDate>
	<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>
	<CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>
	<ChallengeIndicator>07</ChallengeIndicator>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Response Message

Code Block

language	xml

<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>AwrMuZHT2pBsSzAD3xO0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv>AAUBBogXaCU2cIc3hRdoAAAAAAA=</Cavv>
	<PAResStatus>Y</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>60284c5c-a785-4e0b-98cf-6732f4eff286</ACSTransactionId>
	<EciFlag>05</EciFlag>
	<APCStatus>AVAILABLE</APCStatus>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>70244e0f-c218-43f1-b34c-6faa35303be9</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<Amount>12367</Amount>
	<DSTransactionId>07e54000-2721-4df9-aa51-04fa0e079aa8</DSTransactionId>
	<ThreeDSVersion>2.2.0</ThreeDSVersion>
	<CurrencyCode>840</CurrencyCode>
	<OrderId>8000081912452938</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 2c - Authenticated Payment Credential (Attempts)

Scenario

When Visa Directory Server stands-in for subsequent DAF transactions where an issuer responds with a challenge response

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN: 4000090000000862
(Applicable for EMV 2.1.0 and EMV 2.2.0)

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>BROWSER</DeviceChannel>

CustomerId (Go to field description)

Code Block

language	xml

<CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>

Expected Results - Lookup Response (cmpi_lookup)

PAResStatus = A

Code Block

language	xml

 <PAResStatus>A</PAResStatus>

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>AAUBBogXaCU2cIc3hRdoAAAAAAA=</Cavv>

APCStatus = AVAILABLE (Go to field description)

Code Block

language	xml

<APCStatus>AVAILABLE</APCStatus>

EciFlag = 06

Code Block

language	xml

<EciFlag>06</EciFlag>

ThreeDSVersion = <ThreeDSVersion Value>

Code Block

language	xml

<ThreeDSVersion>2.1.0</ThreeDSVersion>

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

DAF can be used with other exemptions

Visa Secure 2.2

Support for EMV 3DS 2.2 will be required if the Visa Delegated Authentication Program (VDAP) is to be used in conjunction with DAF in Europe.

Sample Messages

Sample Lookup Message

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>2026</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>Browser</DeviceChannel>
    <CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Response Message

Code Block

language	xml

<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>AwrMuZHT2pBsSzAD3xO0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv>AAUBBogXaCU2cIc3hRdoAAAAAAA=</Cavv>
	<PAResStatus>A</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>60284c5c-a785-4e0b-98cf-6732f4eff286</ACSTransactionId>
	<EciFlag>06</EciFlag>
	<APCStatus>AVAILABLE</APCStatus>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>70244e0f-c218-43f1-b34c-6faa35303be9</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<Amount>12367</Amount>
	<DSTransactionId>07e54000-2721-4df9-aa51-04fa0e079aa8</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<CurrencyCode>840</CurrencyCode>
	<OrderId>8000081912452938</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 2d - Suspected Fraud

Scenario

Issuer indicates suspected fraud on transaction

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN: 4000090000000870
(Applicable for EMV 2.1.0 and EMV 2.2.0)

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>BROWSER</DeviceChannel>

CustomerId (Go to field description)

Code Block

language	xml

<CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = N

Code Block

language	xml

<PAResStatus>N</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>

APCStatus = AVAILABLE (Go to field description)

Code Block

language	xml

<APCStatus>AVAILABLE</APCStatus>

StatusReason = 11

Code Block

language	xml

<StatusReason>11</StatusReason>

Additional Information

Test Case can apply to PA or NPA transactions.

When PAResStatus= N, the CardholderInfo field may be returned by the Issuer. When this is present, you must display this within your checkout experience.

Sample Messages

Sample Lookup Message

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>2026</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>
    <CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>
    <CategoryCode>5999</CategoryCode>
    <CurrencyCode>USD</CurrencyCode>
    <Amount>12367</Amount>
    <DeviceChannel>Browser</DeviceChannel>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Response Message

Code Block

language	xml

<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>1S24NY2U9B5B803m0mR0</TransactionId>
    <Payload/>
    <ErrorDesc/>
    <Cavv/>
    <PAResStatus>N</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>1976d4a4-ef90-4b07-89d6-4cffe17d7829</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl/>
    <APCStatus>AVAILABLE</APCStatus>
    <ThreeDSServerTransactionId>f353fa13-cec0-4d6b-a6e5-ccd18c5f831b</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <StatusReason>11</StatusReason>
    <DSTransactionId>b0100d3a-83ed-4c0f-acaa-df70dfc42410</DSTransactionId>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000821879894022</OrderId>
    <ChallengeRequired/>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 2e - Stolen Card

Scenario

Issuer reports that the card was stolen

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN: 4000090000000888
(Applicable for EMV 2.1.0 and EMV 2.2.0)

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>BROWSER</DeviceChannel>

CustomerId (Go to field description)

Code Block

language	xml

<CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = N

Code Block

language	xml

<PAResStatus>N</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>

APCStatus = BLOCKED (Go to field description)

Code Block

language	xml

<APCStatus>BLOCKED</APCStatus>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

StatusReason = 10

Code Block

language	xml

<StatusReason>10</StatusReason>

Additional Information

Test Case can apply to PA or NPA transactions.

When PAResStatus= N, the CardholderInfo field may be returned by the Issuer. When this is present, you must display this within your checkout experience.

Sample Messages

Sample Lookup Message

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>2026</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>
    <CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>
    <CategoryCode>5999</CategoryCode>
    <CurrencyCode>USD</CurrencyCode>
    <Amount>12367</Amount>
    <DeviceChannel>Browser</DeviceChannel>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Response Message

Code Block

language	xml

<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>1S24NY2U9B5B803m0mR0</TransactionId>
    <Payload/>
    <ErrorDesc/>
    <Cavv/>
    <PAResStatus>N</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>1976d4a4-ef90-4b07-89d6-4cffe17d7829</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl/>
    <APCStatus>BLOCKED</APCStatus>
    <ThreeDSServerTransactionId>f353fa13-cec0-4d6b-a6e5-ccd18c5f831b</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <StatusReason>10</StatusReason>
    <DSTransactionId>b0100d3a-83ed-4c0f-acaa-df70dfc42410</DSTransactionId>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000821879894022</OrderId>
    <ChallengeRequired/>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Use Case 3: Authenticated Payment Credential (APC) Status

Test Case 3a - APC Status Check

Scenario

Merchant runs a 3RI transaction to check the status of the APC

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN: 4000090000000854
(Applicable for EMV 2.1.0 and EMV 2.2.0)

Required Fields - Lookup Request (cmpi_lookup)

Message Category = 02 (NPA)

Code Block

language	xml

<MessageCategory>02</MessageCategory>

Device Channel = 3RI (03)

Code Block

language	xml

<DeviceChannel>3RI</DeviceChannel>

ThreeRIIndicator = 05

Code Block

language	xml

<ThreeRIIndicator>05</ThreeRIIndicator>

CustomerId (Go to field description)

Code Block

language	xml

<CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

APCStatus = AVAILABLE (Go to field description)

Code Block

language	xml

<APCStatus>AVAILABLE</APCStatus>

Other possible values:

NOT_AVAILABLE
BLOCKED

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>

Sample Messages

Sample Lookup Message

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>2026</CardExpYear>
    <AcquirerId>428448</AcquirerId>
    <AcquirerMerchantId>980020230994</AcquirerMerchantId>
    <CustomerId>cd69ef0284bba33bc0b320e6479c2da2d411a5e46af060d8639f0e0bfc24f26d</CustomerId>
    <DeviceChannel>3RI</DeviceChannel>
    <ThreeRIIndicator>05</ThreeRIIndicator>
    <MessageCategory>02</MessageCategory>
    <CurrencyCode>840</CurrencyCode>
    <Amount>0</Amount>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Response Message

Code Block

language	xml

<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>1S24NY2U9B5B803m0mR0</TransactionId>
    <Payload/>
    <ErrorDesc/>
    <Cavv/>
    <PAResStatus>Y</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>1976d4a4-ef90-4b07-89d6-4cffe17d7829</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl/>
    <APCStatus>AVAILABLE</APCStatus>
    <ThreeDSServerTransactionId>f353fa13-cec0-4d6b-a6e5-ccd18c5f831b</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <DSTransactionId>b0100d3a-83ed-4c0f-acaa-df70dfc42410</DSTransactionId>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000821879894022</OrderId>
    <ChallengeRequired/>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Versions Compared

Old Version 18

New Version Current

Key

Confirm DAF Eligibility

VMID not valid

Sample Messages

Issuer is not enrolled in DAF

Sample Messages

Use Case 1: First time transaction

Test Case 1a: Unverified Payment Credential (Payment Authentication)

Sample Messages

Test Case 1b: Unverified Payment Credential (Non Payment Authentication)

Sample Messages

Test Case 1c: Failed Step Up Authentication

Sample Messages

Use Case 2: Subsequent transaction

Test Case 2a - Authenticated Payment Credential

Sample Messages

Test Case 2b - Authenticated Payment Credential (VDAP)

Sample Messages

Test Case 2c - Authenticated Payment Credential (Attempts)

Sample Messages

Test Case 2d - Suspected Fraud

Sample Messages

Test Case 2e - Stolen Card

Sample Messages

Use Case 3: Authenticated Payment Credential (APC) Status

Test Case 3a - APC Status Check

Sample Messages

Page Comparison

Versions Compared

Old Version 18

New Version Current

Key

Confirm DAF Eligibility

VMID not valid

Sample Messages

Issuer is not enrolled in DAF

Sample Messages

Use Case 1: First time transaction

Test Case 1a: Unverified Payment Credential (Payment Authentication)

Sample Messages

Test Case 1b: Unverified Payment Credential (Non Payment Authentication)

Sample Messages

Test Case 1c: Failed Step Up Authentication

Sample Messages

Use Case 2: Subsequent transaction

Test Case 2a - Authenticated Payment Credential

Sample Messages

Test Case 2b - Authenticated Payment Credential (VDAP)

Sample Messages

Test Case 2c - Authenticated Payment Credential (Attempts)

Sample Messages

Test Case 2d - Suspected Fraud

Sample Messages

Test Case 2e - Stolen Card

Sample Messages

Use Case 3: Authenticated Payment Credential (APC) Status

Test Case 3a - APC Status Check

Sample Messages